Specialist mezzanine finance for North Yorkshire's developers

Development gap funding across the county of North Yorkshire

Across the 8 North Yorkshire towns we monitor, 1,205 residential units are moving through live planning applications, an estimated £314m of gross development value. York recorded 2,107 sales in the last 12 months, while Knaresborough carries the county's strongest pricing at a median of £352,500.

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

North Yorkshire is the largest county in England by land area. York anchors the south and Harrogate lies to the south-west, with much of the county classified as rural.

The product itself works the same in North Yorkshire 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.

North Yorkshire'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 North Yorkshire, England

Knaresborough

170 units sit in Knaresborough's live planning applications, an estimated £56.8m of GDV. The median sold price over the last 12 months is £352,500 (up 5.2% year on year), across 224 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Harrogate

170 units sit in Harrogate's live planning applications, an estimated £52.1m of GDV. The median sold price over the last 12 months is £315,000 (up 0.7% year on year), across 1,345 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Ripon

170 units sit in Ripon's live planning applications, an estimated £45.8m of GDV. The median sold price over the last 12 months is £279,000 (down 5.4% year on year), across 270 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Skipton

170 units sit in Skipton's live planning applications, an estimated £43.6m of GDV. The median sold price over the last 12 months is £265,000 (down 6% year on year), across 449 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Whitby

170 units sit in Whitby's live planning applications, an estimated £42.1m of GDV. The median sold price over the last 12 months is £255,000 (down 5.6% year on year), across 271 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Northallerton

170 units sit in Northallerton's live planning applications, an estimated £39.5m of GDV. The median sold price over the last 12 months is £244,000 (down 3.1% year on year), across 367 recorded sales. Schemes here are underwritten against that evidence, not against optimism.