Mezzanine finance for Hemel Hempstead developers
Second-charge development funding to 90 to 95 percent of cost, priced against Hemel Hempstead's own evidence: 1,604 recorded sales in the last 12 months and 673 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
The Hemel Hempstead 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 Hemel Hempstead deal starts with the local evidence. Over the last 12 months the town recorded 1,604 sales at a median of £450,000, up 2.3 percent year on year.
What Hemel Hempstead stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £790,000 |
| Semi-detached | £534,000 |
| Terraced | £416,500 |
| Flats | £252,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Dacorum Borough Council
Over the last 3 months our monitors logged 132 relevant applications, 28 approved and 104 awaiting decision, an approval rate of 100 percent on decided cases. Together the live residential applications propose 671 units with an estimated end value of £302m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Outline planning application for up to 400 dwellings with access from Grove Road and Bulbourne Road, internal routes, public open space, SuDS, walking/cycling infrastructure, and associated landscaping/enabling works | 400 | Granted |
| Outline planning application (all matters reserved except access) for the construction of up to 230 dwellings to include affordable housing (Use Class C3), creation of suitable alternative natural greenspace (SANG), land… | 230 | With planning case officer |
| Change of use of Class E floorspace, to provide 5 apartments under Class MA of the GPDO. | 5 | Granted |
| Proposed demolition of existing buildings and construction of shop and 4x residential units | 4 | With planning case officer |
Sourced from Dacorum Borough Council public register. If one of these is your scheme, we already know the context.
Gap funding for Hemel Hempstead 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 Hemel Hempstead scheme with the leverage calculator, or see the wider county picture on our Hertfordshire page and the national view in the UK development pipeline tracker.
Indicative terms in Hemel Hempstead
- 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 Hemel Hempstead, answered
Do you fund developments in Hemel Hempstead?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Hemel Hempstead and across Hertfordshire, 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 Hemel Hempstead market look like right now?
Over the last 12 months Hemel Hempstead recorded 1,604 sales at a median of £450,000, up 2.3 percent year on year. The live planning pipeline holds 673 units with an estimated GDV of £304m. The figures on this page refresh as the underlying Land Registry and planning data updates.
How quickly can a Hemel Hempstead 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.
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View Stevenage →Building in Hemel Hempstead?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Hemel Hempstead evidence on this page.