Suffolk · East of England

Mezzanine finance for Bury St Edmunds developers

Second-charge development funding to 90 to 95 percent of cost, priced against Bury St Edmunds's own evidence: 1,205 recorded sales in the last 12 months and 491 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.

All of Suffolk

£288k

Median sold price, 12m

1,205

Sales recorded, 12m

491

Units in live applications

£143m

Estimated pipeline GDV

The Bury St Edmunds 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 Bury St Edmunds deal starts with the local evidence. Over the last 12 months the town recorded 1,205 sales at a median of £288,000, down 4 percent year on year. New build stock commands a premium of about 7.1 percent over existing homes on 22 new build completions, which matters directly to how we read a developer's sales assumptions.

What Bury St Edmunds stock actually sells for

Property type	Median sold price, 12m
Detached	£400,000
Semi-detached	£280,000
Terraced	£250,000
Flats	£170,000

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

Live planning activity at West Suffolk Council

Over the last 3 months our monitors logged 61 relevant applications, 0 approved and 61 awaiting decision. Together the live residential applications propose 491 units with an estimated end value of £142m.

Schemes moving through planning now

Proposal	Units	Status
Planning Application - variation of conditions of planning permission DC/19/2456/HYB (appeal ref: APP/F3545/W/22/3297751) to enable amendments to the approved drawings for the Phase 1 detailed element (287 dwellings), in…	287
Reserved matters application - a. submission of details under outline planning permission DC/15/2483/OUT the means of access, appearance, landscaping, layout and scale for Northern Neighbourhood Phase 5A pursuant to cond…	126
Planning application - 14 dwellings including access, landscaping, play space, open space, car parking, cycle parking and bin storage.	14
Planning application - variation of condition 24 (bus stop provision) of DC/23/1777/FUL to amend the trigger for the implementation of the bus stop scheme for the construction of 13 dwellings with public open space, park…	13

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

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

Indicative terms in Bury St Edmunds

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 Bury St Edmunds, answered

Do you fund developments in Bury St Edmunds?

Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Bury St Edmunds and across Suffolk, 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 Bury St Edmunds market look like right now?

Over the last 12 months Bury St Edmunds recorded 1,205 sales at a median of £288,000, down 4 percent year on year. The live planning pipeline holds 491 units with an estimated GDV of £143m. The figures on this page refresh as the underlying Land Registry and planning data updates.

Does new build stock sell at a premium in Bury St Edmunds?

On the last 12 months of Land Registry data, the 22 new build sales in Bury St Edmunds priced about 7.1 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Bury St Edmunds appraisal.

How quickly can a Bury St Edmunds 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 Bury St Edmunds?

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