Mezzanine finance for Sevenoaks developers

The Sevenoaks 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 Sevenoaks deal starts with the local evidence. Over the last 12 months the town recorded 1,197 sales at a median of £495,000, up 6.5 percent year on year. New build stock commands a discount of about 57.6 percent to existing homes on 3 new build completions, which matters directly to how we read a developer's sales assumptions.

What Sevenoaks stock actually sells for

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

Live planning activity at Sevenoaks District Council

Over the last 3 months our monitors logged 12 relevant applications, 0 approved and 12 awaiting decision. Together the live residential applications propose 28 units with an estimated end value of £11.2m.

Schemes moving through planning now

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

Gap funding for Sevenoaks 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 Sevenoaks 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.