Specialist mezzanine finance for Northamptonshire's developers
Second-charge development funding that lifts combined leverage to 90 to 95 percent of cost, underwritten with live planning and sold-price data from 7 Northamptonshire towns. We lend from our own book and arrange whole of market where that serves you better.
Development gap funding across the county of Northamptonshire
Our monitors cover 7 towns across Northamptonshire. The live pipeline is quiet in the current window, which often signals less competition for sites rather than less opportunity. Northampton recorded 3,330 sales in the last 12 months, while Towcester carries the county's strongest pricing at a median of £334,950.
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 Northamptonshire deal. The same numbers are published openly in our UK development pipeline tracker.
Northampton is the largest settlement and administrative centre. The county was historically renowned for footwear manufacturing and is nicknamed the 'county of spires and squires'.
The product itself works the same in Northamptonshire 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.
Northamptonshire's development pipeline, measured
| Town | Pipeline units | Est. GDV | Sales, 12m | Median price |
|---|---|---|---|---|
| Corby | 0 | 0 | 745 | £220,000 |
| Daventry | 0 | 0 | 507 | £275,000 |
| Kettering | 0 | 0 | 1,427 | £250,000 |
| Northampton | 0 | 0 | 3,330 | £270,000 |
| Rushden | 0 | 0 | 522 | £241,000 |
| Towcester | 0 | 0 | 375 | £334,950 |
| Wellingborough | 0 | 0 | 1,124 | £245,000 |
Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.
Where we lend in Northamptonshire, England
Corby
Corby recorded 745 sales over the last 12 months at a median of £220,000, down 4.3% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Daventry
Daventry recorded 507 sales over the last 12 months at a median of £275,000, up 1.9% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Kettering
Kettering recorded 1,427 sales over the last 12 months at a median of £250,000, down 4.3% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Northampton
Northampton recorded 3,330 sales over the last 12 months at a median of £270,000, down 3.6% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Rushden
Rushden recorded 522 sales over the last 12 months at a median of £241,000, down 2% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Towcester
Towcester recorded 375 sales over the last 12 months at a median of £334,950, down 9% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Indicative terms in Northamptonshire
- 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.
Every Northamptonshire market we monitor
Mezzanine finance in Northamptonshire, answered
Do you lend on developments in Northamptonshire?
Yes. We provide second-charge mezzanine finance for residential and mixed-use schemes across the county of Northamptonshire, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder's appetite better, we arrange it whole of market instead.
What does mezzanine finance cost in Northamptonshire?
Pricing is set by the deal rather than the postcode: indicatively 12 to 18 percent a year with an arrangement fee of 1.5 to 2.5 percent. What moves it is leverage, track record, profit on cost and the strength of the exit, and Northamptonshire schemes with sales evidence from markets like Northampton price at the stronger end.
Which Northamptonshire towns do you cover?
All of them. The towns listed on this page are the ones our data monitors track, including Corby, Daventry, Kettering, Northampton, but we lend and arrange across the whole county and the wider region.
How quickly can a Northamptonshire scheme get a term sheet?
The same as anywhere we lend: a complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks alongside your senior lender's process.
Mezzanine lending across East Midlands
Derbyshire
1,615 pipeline units, £308m est. GDV
View Derbyshire → 7 towns monitoredNottinghamshire
1,123 pipeline units, £264m est. GDV
View Nottinghamshire → 8 towns monitoredLincolnshire
963 pipeline units, £227m est. GDV
View Lincolnshire → 7 towns monitoredLeicestershire
580 pipeline units, £156m est. GDV
View Leicestershire →Building in Northamptonshire?
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