Kent · South East England

Mezzanine finance for Ashford developers

Second-charge development funding to 90 to 95 percent of cost, priced against Ashford's own evidence: 1,460 recorded sales in the last 12 months. We lend from our own book and arrange whole of market where that serves you better.

All of Kent

£344k

Median sold price, 12m

1,460

Sales recorded, 12m

+1.2%

Price change, year on year

+20.6%

New build premium

The Ashford 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 Ashford deal starts with the local evidence. Over the last 12 months the town recorded 1,460 sales at a median of £344,000, up 1.2 percent year on year. New build stock commands a premium of about 20.6 percent over existing homes on 12 new build completions, which matters directly to how we read a developer's sales assumptions.

What Ashford stock actually sells for

Property type	Median sold price, 12m
Detached	£507,500
Semi-detached	£340,000
Terraced	£289,950
Flats	£175,000

HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.

Live planning activity at Ashford Borough Council

Over the last 3 months our monitors logged 128 relevant applications, 22 approved and 98 awaiting decision, an approval rate of 81 percent on decided cases. Together the live residential applications propose 537 units with an estimated end value of £180m.

Schemes moving through planning now

Proposal	Units	Status
Outline planning permission (all matters reserved except for access) for the demolition of existing buildings and construction of up to 175 dwellings with incidental open space, associated works and infrastructure.	175	Under Consultation
Proposed residential development of 160 homes and works for the restoration and change of use of Whist House to Class E (g) (i) Office use, a pedestrian bridge link over the River Stour, together with access off Tannery…	160	Under Consultation
Change of use and conversion of former Council offices to provide 58 residential units with ancillary residential facilities, balconies, fenestration alterations, car parking, landscaping and associated works, together w…	58	Under Consultation
Variation of condition 2 (approved plans) of planning permission 20/00711/AS for Demolition of existing building and erection of two buildings comprising 34 apartments with associated access, parking and landscaping to a…	34	Under Consultation

Sourced from Ashford Borough Council public register. If one of these is your scheme, we already know the context.

Gap funding for Ashford 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 Ashford scheme with the leverage calculator, or see the wider county picture on our Kent page and the national view in the UK development pipeline tracker.

Indicative terms in Ashford

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 Ashford, answered

Do you fund developments in Ashford?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Ashford and across Kent, 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 Ashford market look like right now?

Over the last 12 months Ashford recorded 1,460 sales at a median of £344,000, up 1.2 percent year on year. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Ashford?

On the last 12 months of Land Registry data, the 12 new build sales in Ashford priced about 20.6 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Ashford appraisal.

How quickly can a Ashford 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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Building in Ashford?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Ashford evidence on this page.