£567k
Median sold price, 12m
Surrey · South East England
Mezzanine finance for Epsom developers
Second-charge development funding to 90 to 95 percent of cost, priced against Epsom's own evidence: 774 recorded sales in the last 12 months and 34 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
774
Sales recorded, 12m
34
Units in live applications
£19.1m
Estimated pipeline GDV
The Epsom 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 Epsom deal starts with the local evidence. Over the last 12 months the town recorded 774 sales at a median of £567,000, up 9 percent year on year.
What Epsom stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £860,000 |
| Semi-detached | £630,000 |
| Terraced | £500,000 |
| Flats | £310,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Epsom and Ewell Borough Council
Over the last 3 months our monitors logged 48 relevant applications, 0 approved and 48 awaiting decision. Together the live residential applications propose 36 units with an estimated end value of £20.4m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Prior Approval Schedule 2, Part 3, Class MA: Change of Use from Commercial, Business and Service (E) to Residential (C3) to create 29 dwelling(s). | 29 | Decided |
| Extension to existing dwelling incorporating a single storey rear extension and roof extension with rear dormer to create three residential units with associated car parking, cycle and bin store, landscaping, access arra… | 3 | Awaiting decision |
| Listed Building Consent: Retrospective change of use of residential garden land (formerly associated with the manager's accommodation) to customer garden space for the public house. This includes the retention of a 1.74m… | 1 | Awaiting decision |
| Retrospective change of use of residential garden land (formerly associated with the manager's accommodation) to customer garden space for the public house. This includes the retention of a 1.74m high timber feather boar… | 1 | Awaiting decision |
Sourced from Epsom and Ewell Borough Council public register. If one of these is your scheme, we already know the context.
Gap funding for Epsom 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 Epsom scheme with the leverage calculator, or see the wider county picture on our Surrey page and the national view in the UK development pipeline tracker.
Indicative terms in Epsom
- 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 Epsom, answered
Do you fund developments in Epsom?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Epsom and across Surrey, 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 Epsom market look like right now?
Over the last 12 months Epsom recorded 774 sales at a median of £567,000, up 9 percent year on year. The live planning pipeline holds 34 units with an estimated GDV of £19.1m. The figures on this page refresh as the underlying Land Registry and planning data updates.
How quickly can a Epsom 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 Surrey markets
Building in Epsom?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Epsom evidence on this page.