Specialist mezzanine finance for Gwynedd's developers

Development gap funding across the county of Gwynedd

Our monitors cover 6 towns across Gwynedd. The live pipeline is quiet in the current window, which often signals less competition for sites rather than less opportunity. Bethesda recorded 1,262 sales in the last 12 months, while Pwllheli carries the county's strongest pricing at a median of £275,000.

That data is not decoration: it is how we underwrite. A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so we track every live application and recorded sale in the towns above before we price a Gwynedd deal. The same numbers are published openly in our UK development pipeline tracker.

Gwynedd encompasses much of Snowdonia (Eryri), including Snowdon, the highest peak in Wales. Bangor is the largest city and Caernarfon the administrative centre.

The product itself works the same in Gwynedd as everywhere we lend: 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 35 percent of cost to 5 or 10. Terms run 6 to 36 months with pricing indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model your own scheme with the leverage calculator.

Gwynedd's development pipeline, measured

Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.

Where we lend in Gwynedd, Wales

Bangor

Bangor recorded 240 sales over the last 12 months at a median of £190,000, up 8.6% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Bethesda

Bethesda recorded 1,262 sales over the last 12 months at a median of £192,500, up 1.3% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Caernarfon

Caernarfon recorded 294 sales over the last 12 months at a median of £190,000, up 3.3% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Dolgellau

Dolgellau recorded 56 sales over the last 12 months at a median of £175,000, down 18.6% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Porthmadog

Porthmadog recorded 45 sales over the last 12 months at a median of £192,500, up 4.1% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Pwllheli

Pwllheli recorded 167 sales over the last 12 months at a median of £275,000, up 12.7% year on year. We lend and arrange mezzanine here against verified local sales evidence.