Staffordshire · West Midlands

Mezzanine finance for Lichfield developers

Second-charge development funding to 90 to 95 percent of cost, priced against Lichfield's own evidence: 1,294 recorded sales in the last 12 months and 1,401 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Staffordshire

£300k

Median sold price, 12m

1,294

Sales recorded, 12m

1,401

Units in live applications

£400m

Estimated pipeline GDV

The Lichfield 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 Lichfield deal starts with the local evidence. Over the last 12 months the town recorded 1,294 sales at a median of £300,000, flat 0 percent year on year. New build stock commands a discount of about 25 percent to existing homes on 48 new build completions, which matters directly to how we read a developer's sales assumptions.

What Lichfield stock actually sells for

Property type	Median sold price, 12m
Detached	£485,000
Semi-detached	£279,975
Terraced	£235,000
Flats	£159,000

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

Live planning activity at Lichfield District Council

Over the last 3 months our monitors logged 54 relevant applications, 0 approved and 54 awaiting decision. Together the live residential applications propose 775 units with an estimated end value of £212m.

Schemes moving through planning now

Proposal	Units	Status
Screening Opinion: Erection of up to 450 dwellings, the creation of new public open space and associated infrastructure	450	Decided
Erection of up to 140 apartments with associated infrastructure and landscaping	140	Pending Consideration
Outline planning application (with all matters reserved except for access) for the development of up to 130 dwellings (Class C3) and a care home (Class C2) together with vehicular access from Watling Street, provision of…	130	Pending Consideration
Outline application with all matters reserved, except for access, for residential development of up to 43 dwellings (Resubmission of 23/00154/OUTM)	43	Pending Consideration

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

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

Indicative terms in Lichfield

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 Lichfield, answered

Do you fund developments in Lichfield?

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

Over the last 12 months Lichfield recorded 1,294 sales at a median of £300,000, flat 0 percent year on year. The live planning pipeline holds 1,401 units with an estimated GDV of £400m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Lichfield?

On the last 12 months of Land Registry data, the 48 new build sales in Lichfield priced about 25 percent below comparable existing stock. That premium is one of the first numbers we check when we underwrite a Lichfield appraisal.

How quickly can a Lichfield 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 Staffordshire markets

Staffordshire

Building in Lichfield?

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