Mid Wales · Mezzanine lending

Specialist mezzanine finance for Powys'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 6 Powys towns. We lend from our own book and arrange whole of market where that serves you better.

How our mezzanine works
Tracked
Planning pipeline monitored
6
Towns monitored
£245k
Median sold price, 12m
1,796
Sales recorded, 12 months

Development gap funding across the county of Powys

Our monitors cover 6 towns across Powys. The live pipeline is quiet in the current window, which often signals less competition for sites rather than less opportunity. Hay on Wye recorded 1,174 sales in the last 12 months, while Builth Wells carries the county's strongest pricing at a median of £280,000.

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 Powys deal. The same numbers are published openly in our UK development pipeline tracker.

Powys is the largest and most sparsely populated county in Wales. It is predominantly mountainous, rural and agricultural, with the lowest population density of any Welsh principal area.

The product itself works the same in Powys 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.

Powys's development pipeline, measured

TownPipeline unitsEst. GDVSales, 12mMedian price
Brecon 0 0 174 £277,500
Builth Wells 0 0 58 £280,000
Hay on Wye 0 0 1,174 £250,000
Llandrindod Wells 0 0 115 £240,000
Newtown 0 0 147 £227,500
Welshpool 0 0 128 £225,000

Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.

Where we lend in Powys, Wales

Brecon

Brecon recorded 174 sales over the last 12 months at a median of £277,500, down 2.5% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Builth Wells

Builth Wells recorded 58 sales over the last 12 months at a median of £280,000, up 11.6% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Hay on Wye

Hay on Wye recorded 1,174 sales over the last 12 months at a median of £250,000, flat 0% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Llandrindod Wells

Llandrindod Wells recorded 115 sales over the last 12 months at a median of £240,000, up 5.5% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Newtown

Newtown recorded 147 sales over the last 12 months at a median of £227,500, up 13.8% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Welshpool

Welshpool recorded 128 sales over the last 12 months at a median of £225,000, down 8.2% year on year. We lend and arrange mezzanine here against verified local sales evidence.

Indicative terms in Powys

  • 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.

Town by town

Every Powys market we monitor

FAQ

Mezzanine finance in Powys, answered

Do you lend on developments in Powys?

Yes. We provide second-charge mezzanine finance for residential and mixed-use schemes across the county of Powys, 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 Powys?

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 Powys schemes with sales evidence from markets like Hay on Wye price at the stronger end.

Which Powys towns do you cover?

All of them. The towns listed on this page are the ones our data monitors track, including Brecon, Builth Wells, Hay on Wye, Llandrindod Wells, but we lend and arrange across the whole county and the wider region.

How quickly can a Powys 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.

Building in Powys?

Share the scheme and get a term sheet in 48 hours, underwritten with the same Powys data you have just read.

All locations