Oxfordshire · South East England

Mezzanine finance for Witney developers

Second-charge development funding to 90 to 95 percent of cost, priced against Witney's own evidence: 1,270 recorded sales in the last 12 months and 518 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Oxfordshire

£390k

Median sold price, 12m

1,270

Sales recorded, 12m

518

Units in live applications

£205m

Estimated pipeline GDV

The Witney 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 Witney deal starts with the local evidence. Over the last 12 months the town recorded 1,270 sales at a median of £390,288, up 0.1 percent year on year. New build stock commands a premium of about 30.8 percent over existing homes on 3 new build completions, which matters directly to how we read a developer's sales assumptions.

What Witney stock actually sells for

Property type	Median sold price, 12m
Detached	£575,000
Semi-detached	£380,000
Terraced	£335,250
Flats	£205,750

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

Live planning activity at West Oxfordshire District Council

Over the last 3 months our monitors logged 131 relevant applications, 0 approved and 131 awaiting decision. Together the live residential applications propose 518 units with an estimated end value of £202m.

Schemes moving through planning now

Proposal	Units	Status
Outline planning application with all matters reserved, except for access, for the construction of up to 200 dwellings (use Class C3), including affordable housing, up to 300m2 of retail (Class E) use, public open space,…	200
Approval of reserved matters (layout, appearance, landscaping, scale and accessibility) for the erection of 100 dwellings, and approval of details for conditions 7 and 8, all pursuant to outline planning permission refer…	100
Outline planning application with all matters reserved, except for access, for the construction of up to 100 dwellings, including affordable housing, school drop off and pick up area, public open space, landscaping, and…	100
Reserved matters application for the approval of details relating to access, appearance, landscaping, layout and scale pursuant to outline planning permission 21/03342/OUT (Appeal decision APP/D3125/W/22/3307358) for 75…	75

Sourced from West Oxfordshire District Council public register. If one of these is your scheme, we already know the context.

Gap funding for Witney 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 Witney 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 Witney

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 Witney, answered

Do you fund developments in Witney?

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

Over the last 12 months Witney recorded 1,270 sales at a median of £390,288, up 0.1 percent year on year. The live planning pipeline holds 518 units with an estimated GDV of £205m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Witney?

On the last 12 months of Land Registry data, the 3 new build sales in Witney priced about 30.8 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Witney appraisal.

How quickly can a Witney 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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Building in Witney?

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