Mezzanine finance for Stockport developers
Second-charge development funding to 90 to 95 percent of cost, priced against Stockport's own evidence: 3,474 recorded sales in the last 12 months and 445 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
The Stockport market, in numbers we underwrite from
A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so every Stockport deal starts with the local evidence. Over the last 12 months the town recorded 3,474 sales at a median of £300,000, up 2.7 percent year on year. New build stock commands a premium of about 108.2 percent over existing homes on 14 new build completions, which matters directly to how we read a developer's sales assumptions.
What Stockport stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £520,000 |
| Semi-detached | £325,000 |
| Terraced | £235,000 |
| Flats | £165,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Stockport Metropolitan Borough Council
Over the last 3 months our monitors logged 7 relevant applications, 0 approved and 7 awaiting decision. Together the live residential applications propose 445 units with an estimated end value of £134m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Environmental Impact Assessment Screening Opinion to determine whether proposals for new residential development of up to 174 dwellings constitutes Environmental Impact Assessment (EIA) development. | 174 | |
| Environmental Impact Assessment (EIA) Scoping Opinion Request in relation to a residential development for up to 135 dwellings with associated public open space, landscaping, highways and other infrastructure. | 135 | |
| Outline planning application (with all matters reserved) for residential development of up to 130 dwellings with site access from Moor Lane, open space, landscaping, drainage, ecological enhancements and other associated… | 130 | |
| Demolition of existing buildings and erection of up to 4 dwellings | 4 |
Sourced from Stockport Metropolitan Borough Council public register. If one of these is your scheme, we already know the context.
Gap funding for Stockport schemes
The structure is the same one we write everywhere: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from around 35 percent of cost to 5 or 10. Terms run 6 to 36 months, pricing is indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model a Stockport scheme with the leverage calculator, or see the wider county picture on our Greater Manchester page and the national view in the UK development pipeline tracker.
Indicative terms in Stockport
- Loan size£250k to £5m
- Combined leverageUp to 90 to 95% LTC
- Term6 to 36 months
- PricingFrom 12% a year
- SecuritySecond charge plus PGs
- DecisionTerm sheet in 48 hours
Indicative only; every loan is priced case by case.
Mezzanine in Stockport, answered
Do you fund developments in Stockport?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Stockport and across Greater Manchester, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.
What does the Stockport market look like right now?
Over the last 12 months Stockport recorded 3,474 sales at a median of £300,000, up 2.7 percent year on year. The live planning pipeline holds 445 units with an estimated GDV of £134m. The figures on this page refresh as the underlying Land Registry and planning data updates.
Does new build stock sell at a premium in Stockport?
On the last 12 months of Land Registry data, the 14 new build sales in Stockport priced about 108.2 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Stockport appraisal.
How quickly can a Stockport scheme get terms?
A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.
More Greater Manchester markets
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15 pipeline units, £2.8m est. GDV
View Ashton Under Lyne → Greater ManchesterBury
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View Bury → Greater ManchesterWigan
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View Wigan → Greater ManchesterOldham
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View Oldham → Greater ManchesterAltrincham
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View Altrincham →Building in Stockport?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Stockport evidence on this page.