Specialist mezzanine finance for Lincolnshire's developers

Development gap funding across the county of Lincolnshire

Across the 8 Lincolnshire towns we monitor, 963 residential units are moving through live planning applications, an estimated £227m of gross development value. Skegness recorded 1,728 sales in the last 12 months, while Stamford carries the county's strongest pricing at a median of £302,500.

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 Lincolnshire deal. The same numbers are published openly in our UK development pipeline tracker.

Lincoln is the county's administrative centre and largest city, home to Lincoln Cathedral. Lincolnshire is a primarily agricultural county, growing large quantities of wheat, barley, sugar beet, oilseed rape and vegetables.

The product itself works the same in Lincolnshire 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.

Lincolnshire'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 Lincolnshire, England

Sleaford

885 units sit in Sleaford's live planning applications, an estimated £208m of GDV. The median sold price over the last 12 months is £235,000 (down 2.1% year on year), across 1,549 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Lincoln

78 units sit in Lincoln's live planning applications, an estimated £19.7m of GDV. The median sold price over the last 12 months is £180,000 (up 1.4% year on year), across 1,104 recorded sales. Schemes here are underwritten against that evidence, not against optimism.