Mezzanine finance for Horsham developers
Second-charge development funding to 90 to 95 percent of cost, priced against Horsham's own evidence: 1,742 recorded sales in the last 12 months and 1,284 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
The Horsham 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 Horsham deal starts with the local evidence. Over the last 12 months the town recorded 1,742 sales at a median of £430,000, flat 0 percent year on year.
What Horsham stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £678,500 |
| Semi-detached | £450,000 |
| Terraced | £369,000 |
| Flats | £228,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Horsham District Council
Over the last 3 months our monitors logged 16 relevant applications, 0 approved and 16 awaiting decision. Together the live residential applications propose 1,114 units with an estimated end value of £474m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Application for Approval of Details Reserved by Condition 18 (underground services) to approved application DC/26/0325 (Removal of conditions 19 (water efficiency measures) and 21 (water neutrality strategy) and variatio… | 265 | Awaiting decision |
| Application for Approval of Details Reserved by Condition 13 (construction phase surface water management plan) to approved application DC/26/0325 (Removal of conditions 19 (water efficiency measures) and 21 (water neutr… | 265 | Decided |
| Removal of conditions 30,31 and 32 of previously approved application DC/24/0749 (Outline Application for redevelopment of the site to provide up to 125 dwellings, ancillary parking new landscaping and open space, an eco… | 125 | Registered |
| Outline Application for a development of up to 120 dwellings (including 45% affordable) with all matters reserved except for access. | 120 | Registered |
Sourced from Horsham District Council public register. If one of these is your scheme, we already know the context.
Gap funding for Horsham 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 Horsham scheme with the leverage calculator, or see the wider county picture on our Sussex page and the national view in the UK development pipeline tracker.
Indicative terms in Horsham
- 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 Horsham, answered
Do you fund developments in Horsham?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Horsham and across Sussex, 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 Horsham market look like right now?
Over the last 12 months Horsham recorded 1,742 sales at a median of £430,000, flat 0 percent year on year. The live planning pipeline holds 1,284 units with an estimated GDV of £547m. The figures on this page refresh as the underlying Land Registry and planning data updates.
How quickly can a Horsham 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.
More Sussex markets
Bognor Regis
2,150 sales, median £333k
View Bognor Regis → SussexBrighton
2,900 sales, median £412k
View Brighton → SussexChichester
1,332 sales, median £418k
View Chichester → SussexCrawley
919 sales, median £345k
View Crawley → SussexEastbourne
1,230 sales, median £270k
View Eastbourne →Building in Horsham?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Horsham evidence on this page.