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

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All locations

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Scotland & Wales

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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)
2,693
YoY change
+3.6%

Land Registry data

Recent property sales
in Stoke-on-Trent.

2,693 residential transactions in the last twelve months. Median sold price £145,000 (+3.6% YoY). 20 new-build transactions with a +15.3% premium over existing stock.

Detached

£260,000

Semi-Detached

£165,000

Terraced

£105,000

Flat

£74,995

DateAddressTypePriceTenure
26 Jun 20261, COBHAM PLACEST3 7AQSemi-Detached£140,000Freehold
26 Jun 20268, DRUMBURN CLOSEST6 6XGDetached£325,000Freehold
25 Jun 202616, WOODRUFF CLOSEST7 4ULDetached£300,000Freehold
19 Jun 202650, RONALD STREETST3 4LWTerraced£105,000Freehold
19 Jun 2026104, MILTON ROADST1 6HDDetached£225,000Freehold
19 Jun 20268, ELMSTEAD CLOSEST4 8UXDetached£265,000Freehold
19 Jun 2026FLAT 1, FOLEY COURT, WATERY LANEST3 4QYFlat£74,995Leasehold
19 Jun 202653, TOLKIEN WAYST4 7SJTerraced£235,000Freehold
19 Jun 2026970, LEEK ROADST1 6ATTerraced£110,000Freehold
19 Jun 20262, TATTON STREETST3 4LDTerraced£110,000Freehold

Source: HM Land Registry price paid data, 12 months to August 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

£1,712,000

Loan Amount

£1,113,000

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, End of H1 2026

Median price £144,000, 2,749 sales, +2.9% YoY. Staffordshire county.

5 min read

Staffordshire Property Market: Prices, Trends & Development Finance, End of H1 2026

7 towns analysed. Median price £227,250, 10,347 transactions, +0.6% 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