Mezzanine finance for Harrogate developers

The Harrogate 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 Harrogate deal starts with the local evidence. Over the last 12 months the town recorded 1,345 sales at a median of £315,000, up 0.7 percent year on year. New build stock commands a discount of about 7.2 percent to existing homes on 22 new build completions, which matters directly to how we read a developer's sales assumptions.

What Harrogate stock actually sells for

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

Live planning activity at North Yorkshire Council

Over the last 3 months our monitors logged 286 relevant applications, 0 approved and 286 awaiting decision. Together the live residential applications propose 184 units with an estimated end value of £56.9m.

Schemes moving through planning now

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

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