- Home
- Locations
- Derbyshire
- Derby
- Bridging Finance
Derby, Derbyshire
Bridging Finance
in Derby
Expert bridging finance for property developers in Derby. We connect you with competitive funding from our panel of 100+ lenders.
Derby, Derbyshire
Bridging Finance
in Derby.
Live market data
Derby
market snapshot.
HM Land Registry sold-price data for Derby over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £207,500
- Sales (12m)
- 2,645
- YoY change
- +0.2%
- Pipeline units
- 285
- Pipeline GDV
- £58.9M
Planning pipeline
Planning activity
in Derby.
71 residential applications awaiting decision
·434 units in pipeline·£89.9M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00849/FUL | Change of use from an adult gaming centre (Sui Generis) to adult gaming centre (… 9 And 11 Exchange Street Derby DE1 2DU | - | - | Pending | 30/06/2026 |
| 26/00851/FUL | Single storey front extension to dwelling house (enlargement of kitchen/dining a… 5 Slaidburn Close Derby DE3 9SY | - | - | Pending | 30/06/2026 |
| 26/00545/FUL | Single storey side extension to dwelling house (workshop and studio space with W… 4 Woodhurst Close Derby DE21 4SG | - | - | Pending | 30/06/2026 |
| 26/00850/FUL | Single storey rear extension to dwelling house (family room) 22 Pannage Close Derby DE24 0NU | - | - | Pending | 30/06/2026 |
| 26/00852/FUL | Single storey rear extension to dwelling house (bedroom and bathroom) with acces… 16 Westgreen Avenue Derby DE24 9AP | - | - | Pending | 30/06/2026 |
Deal intelligence
Key schemes
in Derby.
Indicative appraisals of the largest residential schemes in the Derby planning pipeline (all currently awaiting decision). These 2 schemes represent an estimated £92.4M in combined GDV across 424 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land To The West Of 10 To 30 The Hollow And North Of Staker Lane Mickleover Derby DE3 0DH
£87.2M
Estimated GDV
Units
400
GDV / Unit
£218k
Build Cost (Range)
£51.7M–£65.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £207,500 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £87.2M |
| Construction (27,200 sqm @ £2,150/sqm mid) | −£58.5M |
| Externals, fees & contingency | −£17.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.0M |
| Developer profit target (17.5% on GDV) | −£15.3M |
| Implied residual land value | Marginal |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Residential Development Awaiting decision
Site Of Former Vulcan Works Colombo Street Derby DE23 8LX
£5.2M
Estimated GDV
Units
24
GDV / Unit
£218k
Build Cost (Range)
£3.9M–£4.9M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £207,500 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £5.2M |
| Construction (2,040 sqm @ £2,150/sqm mid) | −£4.4M |
| Externals, fees & contingency | −£1.2M |
| Finance (65% LTGDV, 18m) & sales costs | −£517k |
| Developer profit target (17.5% on GDV) | −£915k |
| Implied residual land value | Marginal |
Broker insight: For a 24-unit scheme in Derby, we would typically structure senior debt at 60-65% LTGDV with mezzanine available to reduce equity to as little as 10%. Run an appraisal to model your returns.
Appraisal assumptions
- GDV: HM Land Registry blended median of £207,500 plus a 5% new-build premium (assumed).
- Build cost: £1,900-£2,400/sqm (new build, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 12.5%, professional fees 10%, contingency 5%, sales & legals 3.5000000000000004% of GDV. Excludes CIL/Section 106, which vary by charging schedule and scheme.
- Finance: senior facility at 65% LTGDV, 8.5% pa on an average 57.49999999999999% drawdown over 24 months, plus 2.5% arrangement and exit fees.
- Residual land value assumes the industry-standard 17.5% developer profit-on-GDV target. Indicative appraisal, not a valuation or lending offer.
Land Registry data
Recent property sales
in Derby.
2,645 residential transactions in the last twelve months. Median sold price £207,500 (+0.2% YoY). 21 new-build transactions with a +43.2% premium over existing stock.
Detached
£317,500
Semi-Detached
£213,700
Terraced
£160,000
Flat
£110,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 11, ELLESMERE AVENUEDE24 8WD | Semi-Detached | £90,000 | Freehold |
| 26 Jun 2026 | 5, FARRIER GARDENSDE23 3XR | Detached | £350,000 | Freehold |
| 24 Jun 2026 | 12, VICARAGE AVENUEDE23 6TP | Semi-Detached | £255,000 | Freehold |
| 19 Jun 2026 | 7, BRASSINGTON ROADDE21 4QJ | Terraced | £150,000 | Freehold |
| 19 Jun 2026 | 22, MOUNT CARMEL STREETDE23 6TB | Semi-Detached | £282,000 | Freehold |
| 19 Jun 2026 | 86, ATLANTIC WAYDE24 1AB | Terraced | £137,500 | Freehold |
| 19 Jun 2026 | 8, BALMORAL CLOSEDE23 6DY | Detached | £397,500 | Freehold |
| 19 Jun 2026 | 2, HEATHERMEAD CLOSEDE21 2UY | Semi-Detached | £110,000 | Leasehold |
| 19 Jun 2026 | 23, DORSET STREETDE21 6BE | Semi-Detached | £150,000 | Freehold |
| 19 Jun 2026 | 128, HIGHFIELDS PARK DRIVEDE22 1JU | Terraced | £292,500 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Derby City Council planning register, retrieved 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 Derby deals.
Typical pricing for bridging finance in Derby. 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, Derby
An indicative appraisal for a nine-unit residential scheme priced at Derby'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
£2,019,000
Loan Amount
£1,312,000
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 Derby
— answered.
How active is the development pipeline in Derby?
The Derby City Council planning register currently shows 71 residential applications awaiting decision in Derby, together proposing 434 units — the largest single scheme proposes 400 units. An active pipeline signals both developer confidence in local demand and lender familiarity with the market, which typically translates into more competitive finance terms.
Market intelligence
Local market
reports.
5 min read
Derby Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £205,000, 2,663 sales, -1.4% YoY. Derbyshire county.
6 min read
Derbyshire Property Market: Prices, Trends & Development Finance, End of H1 2026
8 towns analysed. Median price £217,000, 9,323 transactions, -2.3% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Derby 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.
Where we fund
Derby,
Derbyshire.
Adjacent products
Other services
in Derby.
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