£193k
Median sold price, 12m
Gwynedd · North West Wales
Mezzanine finance for Porthmadog developers
Second-charge development funding to 90 to 95 percent of cost, priced against Porthmadog's own evidence: 45 recorded sales in the last 12 months. We lend from our own book and arrange whole of market where that serves you better.
45
Sales recorded, 12m
+4.1%
Price change, year on year
48hrs
To a term sheet
The Porthmadog 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 Porthmadog deal starts with the local evidence. Over the last 12 months the town recorded 45 sales at a median of £192,500, up 4.1 percent year on year.
What Porthmadog stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £272,500 |
| Terraced | £155,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Gap funding for Porthmadog 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 Porthmadog scheme with the leverage calculator, or see the wider county picture on our Gwynedd page and the national view in the UK development pipeline tracker.
Indicative terms in Porthmadog
- 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.
FAQ
Mezzanine in Porthmadog, answered
Do you fund developments in Porthmadog?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Porthmadog and across Gwynedd, 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 Porthmadog market look like right now?
Over the last 12 months Porthmadog recorded 45 sales at a median of £192,500, up 4.1 percent year on year. The figures on this page refresh as the underlying Land Registry and planning data updates.
How quickly can a Porthmadog 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.
Nearby
More Gwynedd markets
Building in Porthmadog?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Porthmadog evidence on this page.