Specialist mezzanine finance for Surrey's developers

Development gap funding across the county of Surrey

Across the 10 Surrey towns we monitor, 434 residential units are moving through live planning applications, an estimated £206m of gross development value, with 71 percent of decided relevant applications approved over the last 12 months. Weybridge recorded 1,521 sales in the last 12 months.

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

Woking is the largest town and Guildford the county town. The North Downs chalk escarpment runs across the county, which has the densest woodland cover in England.

The product itself works the same in Surrey 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.

Surrey'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 Surrey, England

Redhill

400 units sit in Redhill's live planning applications, an estimated £187m of GDV. The median sold price over the last 12 months is £477,000 (up 0.4% year on year), across 1,520 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Epsom

34 units sit in Epsom's live planning applications, an estimated £19.1m of GDV. The median sold price over the last 12 months is £567,000 (up 9% year on year), across 774 recorded sales. Schemes here are underwritten against that evidence, not against optimism.