Specialist mezzanine finance for Wiltshire'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 8 Wiltshire towns. We lend from our own book and arrange whole of market where that serves you better.
Development gap funding across the county of Wiltshire
Our monitors cover 8 towns across Wiltshire. The live pipeline is quiet in the current window, which often signals less competition for sites rather than less opportunity. Swindon recorded 2,580 sales in the last 12 months, while Marlborough carries the county's strongest pricing at a median of £440,000.
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 Wiltshire deal. The same numbers are published openly in our UK development pipeline tracker.
Swindon is the largest settlement, in the north-east, with Salisbury a major city in the south-east. The county is renowned for the Neolithic monuments of Stonehenge and Avebury, a UNESCO World Heritage Site on Salisbury Plain.
The product itself works the same in Wiltshire 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.
Wiltshire's development pipeline, measured
| Town | Pipeline units | Est. GDV | Sales, 12m | Median price |
|---|---|---|---|---|
| Chippenham | 0 | 0 | 740 | £320,000 |
| Devizes | 0 | 0 | 407 | £307,000 |
| Marlborough | 0 | 0 | 244 | £440,000 |
| Melksham | 0 | 0 | 342 | £288,750 |
| Salisbury | 0 | 0 | 1,251 | £335,000 |
| Swindon | 0 | 0 | 2,580 | £270,000 |
| Trowbridge | 0 | 0 | 647 | £280,000 |
| Warminster | 0 | 0 | 384 | £299,598 |
Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.
Where we lend in Wiltshire, England
Chippenham
Chippenham recorded 740 sales over the last 12 months at a median of £320,000, up 3.2% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Devizes
Devizes recorded 407 sales over the last 12 months at a median of £307,000, up 4.1% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Marlborough
Marlborough recorded 244 sales over the last 12 months at a median of £440,000, down 2.2% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Melksham
Melksham recorded 342 sales over the last 12 months at a median of £288,750, down 2.1% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Salisbury
Salisbury recorded 1,251 sales over the last 12 months at a median of £335,000, up 3.1% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Swindon
Swindon recorded 2,580 sales over the last 12 months at a median of £270,000, down 2.5% year on year. We lend and arrange mezzanine here against verified local sales evidence.
Indicative terms in Wiltshire
- 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 Wiltshire market we monitor
Mezzanine finance in Wiltshire, answered
Do you lend on developments in Wiltshire?
Yes. We provide second-charge mezzanine finance for residential and mixed-use schemes across the county of Wiltshire, 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 Wiltshire?
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 Wiltshire schemes with sales evidence from markets like Swindon price at the stronger end.
Which Wiltshire towns do you cover?
All of them. The towns listed on this page are the ones our data monitors track, including Chippenham, Devizes, Marlborough, Melksham, but we lend and arrange across the whole county and the wider region.
How quickly can a Wiltshire 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 South West England
Gloucestershire
2,423 pipeline units, £786m est. GDV
View Gloucestershire → 8 towns monitoredSomerset
1,652 pipeline units, £512m est. GDV
View Somerset → 8 towns monitoredDevon
1,106 pipeline units, £327m est. GDV
View Devon → 6 towns monitoredBristol
499 pipeline units, £165m est. GDV
View Bristol → 8 towns monitoredCornwall
112 pipeline units, £29.8m est. GDV
View Cornwall →Building in Wiltshire?
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