Mezzanine finance for Arnold developers
Second-charge development funding to 90 to 95 percent of cost, priced against Arnold's own evidence: 1,368 recorded sales in the last 12 months and 287 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
The Arnold 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 Arnold deal starts with the local evidence. Over the last 12 months the town recorded 1,368 sales at a median of £240,000, down 3.2 percent year on year. New build stock commands a premium of about 32.7 percent over existing homes on 34 new build completions, which matters directly to how we read a developer's sales assumptions.
What Arnold stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £347,000 |
| Semi-detached | £225,000 |
| Terraced | £175,000 |
| Flats | £127,750 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Gedling Borough Council
Over the last 3 months our monitors logged 4 relevant applications, 0 approved and 4 awaiting decision. Together the live residential applications propose 156 units with an estimated end value of £36.4m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Full planning application at Lodge Farm, for the erection of 116 dwellings, with access, open space, drainage, landscaping, and associated infrastructure. | 116 | Unknown |
| Variation of conditions 2 (approved plans), 3 (highways) and 4 (highways) of planning permission 2021/0072 to substitute house types and enable the occupation of 30 dwellings prior to the completion of the highway works… | 30 | Unknown |
| Change of use from use class E to 9 apartments + associated bins and bike store areas. | 9 | Unknown |
| Application for Permission in Principle (PiP) for proposed residential development of a minimum of 1 dwelling and a maximum of 2 dwellings. | 1 | Unknown |
Sourced from Gedling Borough Council public register. If one of these is your scheme, we already know the context.
Gap funding for Arnold 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 Arnold scheme with the leverage calculator, or see the wider county picture on our Nottinghamshire page and the national view in the UK development pipeline tracker.
Indicative terms in Arnold
- 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.
Mezzanine in Arnold, answered
Do you fund developments in Arnold?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Arnold and across Nottinghamshire, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.
What does the Arnold market look like right now?
Over the last 12 months Arnold recorded 1,368 sales at a median of £240,000, down 3.2 percent year on year. The live planning pipeline holds 287 units with an estimated GDV of £67.9m. The figures on this page refresh as the underlying Land Registry and planning data updates.
Does new build stock sell at a premium in Arnold?
On the last 12 months of Land Registry data, the 34 new build sales in Arnold priced about 32.7 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Arnold appraisal.
How quickly can a Arnold scheme get terms?
A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.
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Share the scheme and get a term sheet in 48 hours, underwritten with the same Arnold evidence on this page.