Specialist mezzanine finance for Warwickshire's developers
Second-charge development funding that lifts combined leverage to 90 to 95 percent of cost, underwritten with live planning and sold-price data from 7 Warwickshire towns. We lend from our own book and arrange whole of market where that serves you better.
Development gap funding across the county of Warwickshire
Our monitors cover 7 towns across Warwickshire. The live pipeline is quiet in the current window, which often signals less competition for sites rather than less opportunity. Stratford upon Avon recorded 1,758 sales in the last 12 months, while Kenilworth carries the county's strongest pricing at a median of £400,000.
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 Warwickshire deal. The same numbers are published openly in our UK development pipeline tracker.
Nuneaton is the largest town, followed by Rugby, with Warwick and Leamington Spa other principal centres. Stratford-upon-Avon is famous as the birthplace of William Shakespeare.
The product itself works the same in Warwickshire 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.
Warwickshire's development pipeline, measured
| Town | Pipeline units | Est. GDV | Sales, 12m | Median price |
|---|---|---|---|---|
| Bedworth | 0 | 0 | 328 | £229,000 |
| Kenilworth | 0 | 0 | 338 | £400,000 |
| Leamington Spa | 0 | 0 | 844 | £330,000 |
| Nuneaton | 0 | 0 | 955 | £220,000 |
| Rugby | 0 | 0 | 1,296 | £277,500 |
| Stratford upon Avon | 0 | 0 | 1,758 | £357,500 |
| Warwick | 0 | 0 | 546 | £346,200 |
Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.
Where we lend in Warwickshire, England
Bedworth
Bedworth recorded 328 sales over the last 12 months at a median of £229,000, down 3.8% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Kenilworth
Kenilworth recorded 338 sales over the last 12 months at a median of £400,000, up 1.3% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Leamington Spa
Leamington Spa recorded 844 sales over the last 12 months at a median of £330,000, down 1.5% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Nuneaton
Nuneaton recorded 955 sales over the last 12 months at a median of £220,000, down 10.2% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Rugby
Rugby recorded 1,296 sales over the last 12 months at a median of £277,500, down 7.5% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Stratford upon Avon
Stratford upon Avon recorded 1,758 sales over the last 12 months at a median of £357,500, down 2.1% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Indicative terms in Warwickshire
- 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.
Every Warwickshire market we monitor
Mezzanine finance in Warwickshire, answered
Do you lend on developments in Warwickshire?
Yes. We provide second-charge mezzanine finance for residential and mixed-use schemes across the county of Warwickshire, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder's appetite better, we arrange it whole of market instead.
What does mezzanine finance cost in Warwickshire?
Pricing is set by the deal rather than the postcode: indicatively 12 to 18 percent a year with an arrangement fee of 1.5 to 2.5 percent. What moves it is leverage, track record, profit on cost and the strength of the exit, and Warwickshire schemes with sales evidence from markets like Stratford upon Avon price at the stronger end.
Which Warwickshire towns do you cover?
All of them. The towns listed on this page are the ones our data monitors track, including Bedworth, Kenilworth, Leamington Spa, Nuneaton, but we lend and arrange across the whole county and the wider region.
How quickly can a Warwickshire scheme get a term sheet?
The same as anywhere we lend: a complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks alongside your senior lender's process.
Mezzanine lending across West Midlands
West Midlands
1,701 pipeline units, £547m est. GDV
View West Midlands → 7 towns monitoredStaffordshire
1,710 pipeline units, £477m est. GDV
View Staffordshire → 5 towns monitoredShropshire
40 pipeline units, £9.0m est. GDV
View Shropshire → 7 towns monitoredWorcestershire
7 pipeline units, £1.2m est. GDV
View Worcestershire →Building in Warwickshire?
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