Specialist mezzanine finance for Staffordshire's developers

Development gap funding across the county of Staffordshire

Across the 7 Staffordshire towns we monitor, 1,710 residential units are moving through live planning applications, an estimated £477m of gross development value. Stoke on Trent recorded 2,749 sales in the last 12 months, while Lichfield carries the county's strongest pricing at a median of £300,000.

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 Staffordshire deal. The same numbers are published openly in our UK development pipeline tracker, where Staffordshire currently ranks number 13 of 48 counties by pipeline value.

Stoke-on-Trent is the largest city, historically renowned for pottery manufacturing. The north of the county includes part of the Peak District National Park.

The product itself works the same in Staffordshire 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.

Staffordshire's development pipeline, measured

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

Where we lend in Staffordshire, England

Lichfield

1,401 units sit in Lichfield's live planning applications, an estimated £400m of GDV. The median sold price over the last 12 months is £300,000 (flat 0% year on year), across 1,294 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Stafford

309 units sit in Stafford's live planning applications, an estimated £77.4m of GDV. The median sold price over the last 12 months is £250,000 (down 1.2% year on year), across 1,579 recorded sales. Schemes here are underwritten against that evidence, not against optimism.