Mezzanine finance for Stowmarket developers
Second-charge development funding to 90 to 95 percent of cost, priced against Stowmarket's own evidence: 1,294 recorded sales in the last 12 months. We lend from our own book and arrange whole of market where that serves you better.
The Stowmarket 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 Stowmarket deal starts with the local evidence. Over the last 12 months the town recorded 1,294 sales at a median of £300,000, down 5.4 percent year on year. New build stock commands a premium of about 25.4 percent over existing homes on 32 new build completions, which matters directly to how we read a developer's sales assumptions.
What Stowmarket stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £418,000 |
| Semi-detached | £260,000 |
| Terraced | £225,000 |
| Flats | £140,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Babergh & Mid Suffolk Councils
Over the last 3 months our monitors logged 0 relevant applications, 0 approved and 0 awaiting decision.
Gap funding for Stowmarket 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 Stowmarket 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 Stowmarket
- 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.
Mezzanine in Stowmarket, answered
Do you fund developments in Stowmarket?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Stowmarket 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 Stowmarket market look like right now?
Over the last 12 months Stowmarket recorded 1,294 sales at a median of £300,000, down 5.4 percent year on year. The figures on this page refresh as the underlying Land Registry and planning data updates.
Does new build stock sell at a premium in Stowmarket?
On the last 12 months of Land Registry data, the 32 new build sales in Stowmarket priced about 25.4 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Stowmarket appraisal.
How quickly can a Stowmarket 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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Share the scheme and get a term sheet in 48 hours, underwritten with the same Stowmarket evidence on this page.