Oxfordshire · South East England

Mezzanine finance for Oxford developers

Second-charge development funding to 90 to 95 percent of cost, priced against Oxford's own evidence: 1,116 recorded sales in the last 12 months and 33 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Oxfordshire

£455k

Median sold price, 12m

1,116

Sales recorded, 12m

Units in live applications

£13.6m

Estimated pipeline GDV

The Oxford 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 Oxford deal starts with the local evidence. Over the last 12 months the town recorded 1,116 sales at a median of £455,000, up 1.1 percent year on year. New build stock commands a premium of about 21.7 percent over existing homes on 3 new build completions, which matters directly to how we read a developer's sales assumptions.

What Oxford stock actually sells for

Property type	Median sold price, 12m
Detached	£800,000
Semi-detached	£475,000
Terraced	£465,000
Flats	£330,000

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

Live planning activity at Oxford City Council

Over the last 3 months our monitors logged 191 relevant applications, 0 approved and 191 awaiting decision. Together the live residential applications propose 39 units with an estimated end value of £15.9m.

Schemes moving through planning now

Proposal	Units	Status
Permission in principle application for the erection of a new building to comprise of between 2 and 4 flats (Use Class C3) with roof gardens and provision of private amenity spaces. (All matters of design including scale…	4	Decided
Demolition of the existing semi-detached building and outbuildings. Erection of a part three storey apartment block to create 2 x 1 bed, 5 x 2 bed and 1 x 3 bed flats (Use Class C4). Ground floor to include 2no. commerci…	3	Registered
Subdivision of existing dwelling to create 1 x 1-bed flat and 1 x 3 bed flat (Use Class C3). Erection of single storey rear extension and conversion of garage into habitable space. Replacement of garage door with 1no. wi…	3	Registered
Change of use from dwellinghouse (Use Class C3) to a large House in Multiple Occupation (Sui Generis) and provision of bin and cycle storage.	1	Registered

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

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

Indicative terms in Oxford

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.

FAQ

Mezzanine in Oxford, answered

Do you fund developments in Oxford?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Oxford and across Oxfordshire, 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 Oxford market look like right now?

Over the last 12 months Oxford recorded 1,116 sales at a median of £455,000, up 1.1 percent year on year. The live planning pipeline holds 33 units with an estimated GDV of £13.6m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Oxford?

On the last 12 months of Land Registry data, the 3 new build sales in Oxford priced about 21.7 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Oxford appraisal.

How quickly can a Oxford 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.

Nearby

More Oxfordshire markets

Oxfordshire

Building in Oxford?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Oxford evidence on this page.