£490k
Median sold price, 12m
Surrey · South East England
Mezzanine finance for Guildford developers
Second-charge development funding to 90 to 95 percent of cost, priced against Guildford's own evidence: 1,519 recorded sales in the last 12 months. We lend from our own book and arrange whole of market where that serves you better.
1,519
Sales recorded, 12m
-1%
Price change, year on year
+91.8%
New build premium
The Guildford 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 Guildford deal starts with the local evidence. Over the last 12 months the town recorded 1,519 sales at a median of £490,000, down 1 percent year on year. New build stock commands a premium of about 91.8 percent over existing homes on 7 new build completions, which matters directly to how we read a developer's sales assumptions.
What Guildford stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £820,000 |
| Semi-detached | £500,000 |
| Terraced | £397,000 |
| Flats | £260,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Gap funding for Guildford 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 Guildford 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 Guildford
- 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 Guildford, answered
Do you fund developments in Guildford?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Guildford 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 Guildford market look like right now?
Over the last 12 months Guildford recorded 1,519 sales at a median of £490,000, down 1 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 Guildford?
On the last 12 months of Land Registry data, the 7 new build sales in Guildford priced about 91.8 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Guildford appraisal.
How quickly can a Guildford 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 Guildford?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Guildford evidence on this page.