ccConstruction Capital

Independent London brokerage. 25+ years of property-finance experience, distilled into one principal.

+44 20 3816 3693matt.lenzie@construction-capital.co.uk

London, United Kingdom

Services

  • Development Finance
  • Mezzanine Finance
  • Bridging Loans
  • Equity & JV
  • Refurbishment
  • Commercial Mortgages
  • Development Exit

The firm

  • About Matt Lenzie
  • Case Studies
  • Lender Panel
  • Introducers
  • Contact
  • Start a deal

Resources

  • Market Reports
  • Guides
  • Calculators
  • Glossary
  • FAQ

Topic guides

  • Development Finance Guide
  • Bridging Finance Guide
  • Mezzanine Finance Guide
  • Development Costs
  • First-Time Developers
  • Permitted Development
  • Development vs Bridging
  • Mezzanine vs Equity JV
  • Development vs Commercial
  • Broker vs Direct to Lender

Nationwide coverage

All locations

London & South East

  • London
  • Kent
  • Surrey
  • Sussex
  • Hampshire
  • Berkshire
  • Hertfordshire
  • Essex

South West

  • Bristol
  • Somerset
  • Devon
  • Cornwall
  • Dorset
  • Gloucestershire

Midlands

  • Birmingham
  • Warwickshire
  • Staffordshire
  • Nottingham
  • Leicester
  • Lincolnshire

North

  • Manchester
  • Leeds
  • Liverpool
  • Lancashire
  • Newcastle
  • York

Scotland & Wales

  • Edinburgh
  • Glasgow
  • Cardiff
  • Swansea

Construction Capital is an independent commercial finance brokerage arranging funding for UK property developers and investors. Property development finance, commercial bridging and other business-purpose lending are not regulated activities under FSMA 2000 and are not regulated by the Financial Conduct Authority.

Where a product is a regulated activity — for example, bridging secured on a borrower’s main residence — we arrange it through lenders who hold the relevant FCA permissions. We are not an FCA-authorised firm. Every offer is subject to the lender’s underwriting, valuation and legal due diligence.

Construction Capital is a trading name of Lenzie Consulting Ltd, a company registered in England & Wales under company number 08174104. Registered office: Lynch Farm, The Lynch, Kensworth, Dunstable, Bedfordshire LU6 3QZ.

© 2026 Construction Capital. All rights reserved.

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  1. Home/
  2. Locations/
  3. Staffordshire/
  4. Stoke-on-Trent/
  5. Bridging Finance

Stoke-on-Trent, Staffordshire

Bridging Finance
in Stoke-on-Trent

Expert bridging finance for property developers in Stoke-on-Trent. We connect you with competitive funding from our panel of 100+ lenders.

Get bridging finance termsOr call +44 20 3816 3693
UK city skyline with residential and commercial buildings

Stoke-on-Trent, Staffordshire

Bridging Finance
in Stoke-on-Trent.

Live market data

Stoke-on-Trent
market snapshot.

HM Land Registry sold-price data for Stoke-on-Trent over the last twelve months, alongside the live local planning pipeline. Updated weekly.

Median price
£145,000
Sales (12m)
3,843
YoY change
+3.6%

Land Registry data

Recent property sales
in Stoke-on-Trent.

3,843 residential transactions in the last twelve months. Median sold price £145,000 (+3.6% YoY). 46 new-build transactions with a +53.3% premium over existing stock.

Detached

£258,750

Semi-Detached

£165,000

Terraced

£105,000

Flat

£79,000

DateAddressTypePriceTenure
29 Jul 202630, JAYCEAN AVENUEST6 5NJTerraced£135,000Freehold
27 Jul 20267, JEREMY CLOSEST4 5JDSemi-Detached£193,500Freehold
24 Jul 202622, BRETHERTON PLACEST6 7LESemi-Detached£155,000Freehold
24 Jul 202614, CHATSWORTH PLACEST3 7DPSemi-Detached£160,000Freehold
24 Jul 202616, DUKE BANK TERRACEST6 8NHTerraced£142,000Freehold
24 Jul 20267, JOHN RHODES WAYST6 5XADetached£278,000Freehold
23 Jul 20261583, LEEK ROADST2 8DADetached£218,000Freehold
22 Jul 2026FLAT 7, SHALLOWFORD COURT, ETRURIA VALE ROADST1 4DDFlat£55,000Leasehold
22 Jul 202617, AVION CLOSEST3 7QPDetached£225,000Freehold
22 Jul 202613, YATELEY CLOSEST2 9LQSemi-Detached£150,000Freehold

Source: HM Land Registry price paid data, 12 months to September 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.

Indicative terms

Bridging Finance rates
for Stoke-on-Trent deals.

Typical pricing for bridging finance in Stoke-on-Trent. Actual terms depend on GDV, leverage, location and your experience — the numbers below are where most structured deals land.

Interest Rate

From 6.5% p.a.

Loan to Value

Up to 70% LTGDV

Typical Term

12-24 months

Arrangement Fee

1-2% of facility

Indicative only, subject to individual assessment. Actual terms issued against a completed Deal Room submission.

Representative deal

Example bridging finance
structure.

Illustrative 9-Unit Scheme, Stoke-on-Trent

An indicative appraisal for a nine-unit residential scheme priced at Stoke-on-Trent's own HM Land Registry medians with the locally measured new-build premium applied. Build costs use the regional £/sqm benchmark; every figure updates with the underlying market data.

GDV

£1,559,000

Loan Amount

£1,013,000

LTV

65% LTGDV

Loan Type

Bridging Finance

Representative only. Actual terms vary based on scheme specifics and are issued after underwriting.

Common questions

Bridging Finance in Stoke-on-Trent
— answered.

Market intelligence

Local market
reports.

5 min read

Stoke-on-Trent Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition

Median price £145,000, 3,843 sales, +3.6% YoY. Staffordshire county.

6 min read

Staffordshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition

7 towns analysed. Median price £230,000, 14,727 transactions, +0.7% YoY.

Ready when you are

Tell us the deal.
We’ll recommend the structure.

Submit your Bridging Finance enquiry in Stoke-on-Trent and a partner will come back with an initial structure and indicative terms within one working day. No forms-for-forms’-sake — a short note on the scheme is enough.

Enter the Deal RoomOr call +44 20 3816 3693

Where we fund

Stoke-on-Trent,
Staffordshire.

Adjacent products

Other services
in Stoke-on-Trent.

Development Finance

From 6.5% p.a. · Up to 65-70% LTGDV

Mezzanine Finance

From 12% p.a. · Up to 85-90% LTGDV

Bridging Loans

From 0.55% p.m. · Up to 75% LTV

Equity & Joint Ventures

Profit share from 40% · Up to 100% of costs

Refurbishment Finance

From 0.65% p.m. · Up to 75% LTV

Commercial Mortgages

From 5.5% p.a. · Up to 75% LTV

Development Exit Finance

From 0.55% p.m. · Up to 75% LTV

Nearby markets

Adjacent towns
we also fund.

Stafford

Lichfield

Burton upon Trent

Tamworth

Newcastle-under-Lyme

Cannock

Get Terms020 3816 3693