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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
- £210,000
- Sales (12m)
- 3,721
- YoY change
- +1.8%
- Approved (recent)
- 469
- Pipeline units
- 1,445
- Pipeline GDV
- £292.1M
Planning pipeline
Planning activity
in Derby.
469 approved (last 12 months)
·176 pending
·1,445 units in pipeline·£292.1M estimated GDV·87% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/01356/FUL | Two storey and single storey side and rear extensions to dwelling house (lounge/… 2 Myers Close Derby DE24 9PQ | - | - | Pending | 30/09/2025 |
| 25/01499/FUL | Formation of a raised terrace with balcony above to the rear elevation 15 Church Lane Darley Abbey Derby DE22 1EX | - | - | Pending | 30/09/2025 |
| 25/01496/FUL | Change of use from a dwelling house (Use Class C3) to a house in multiple occupa… 3 Surrey Street Derby DE22 3GF | 1 | £210,000 | Pending | 30/09/2025 |
| 25/01495/FUL | Change of use from a dwelling house (Use Class C3) to a house in multiple occupa… 2 Surrey Street Derby DE22 3GF | 1 | £210,000 | Pending | 30/09/2025 |
| 25/01473/FUL | Single storey side and rear extensions to dwelling house 232 Village Street Derby DE23 8DD | - | - | Pending | 29/09/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01254/FUL | Demolition of existing building. Erection of four dwelling houses (Use Class C3) Unit 3 1231 London Road Derby DE24 8QH | 4 | £840,000 | Pending | 25/09/2026 |
| 26/01249/FUL | Erection of outbuilding (double garage) 22 Nether Park Drive Derby DE22 2TR | - | - | Pending | 25/09/2026 |
| 26/01258/FUL | Installation of an extraction flue 31 Green Lane Derby DE1 1RS | - | - | Pending | 24/09/2026 |
| 26/01256/FUL | Change of use of from retail unit with flat above (Use Classes E and C3) to thre… 28 Monk Street North Derby DE22 3TX | 3 | £345,000 | Pending | 24/09/2026 |
| 26/01250/FUL | Erection of outbuilding (gym, sitting area and shower) 3 Rona Close Derby DE24 9LE | - | - | Pending | 23/09/2026 |
Deal intelligence
Key schemes
in Derby.
Indicative appraisals of the largest residential schemes in the Derby planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £186.4M in combined GDV across 717 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land East Of Moorway Lane Derby
£91.0M
Estimated GDV
Units
350
GDV / Unit
£260k
Build Cost (Range)
£45.2M–£57.1M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £210,000 plus a 23.8% new-build premium (measured locally). 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 | £91.0M |
| Construction (23,800 sqm @ £2,150/sqm mid) | −£51.2M |
| Externals, fees & contingency | −£15.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.4M |
| Developer profit target (17.5% on GDV) | −£15.9M |
| 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.
Major Residential Development Awaiting decision
Land To The Rear Of 122 To 198 Derby Road And Adjacent To Acorn Way Derby
£52.0M
Estimated GDV
Units
200
GDV / Unit
£260k
Build Cost (Range)
£25.8M–£32.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £210,000 plus a 23.8% new-build premium (measured locally). 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 | £52.0M |
| Construction (13,600 sqm @ £2,150/sqm mid) | −£29.2M |
| Externals, fees & contingency | −£8.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£6.0M |
| Developer profit target (17.5% on GDV) | −£9.1M |
| 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.
Demolition & New Build Awaiting decision
Castleward Including Siddals Road / Canal Street / John Street / Carrington Street / Copeland Street / New Street / Liversage Street Derby
£43.4M
Estimated GDV
Units
167
GDV / Unit
£260k
Build Cost (Range)
£21.6M–£27.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £210,000 plus a 23.8% new-build premium (measured locally). 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 | £43.4M |
| Construction (11,356 sqm @ £2,150/sqm mid) | −£24.4M |
| Externals, fees & contingency | −£7.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£5.0M |
| Developer profit target (17.5% on GDV) | −£7.6M |
| 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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £210,000 plus a 23.8% new-build premium (measured locally).
- 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.
3,721 residential transactions in the last twelve months. Median sold price £210,000 (+1.8% YoY). 99 new-build transactions with a +23.8% premium over existing stock.
Detached
£323,750
Semi-Detached
£215,000
Terraced
£160,000
Flat
£115,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 28 Jul 2026 | 24, CALVER CLOSEDE21 2BT | Detached | £360,000 | Freehold |
| 27 Jul 2026 | 27, LODGE LANEDE21 7GE | Semi-Detached | £200,000 | Freehold |
| 24 Jul 2026 | 11, ULLSWATER DRIVEDE21 7JY | Semi-Detached | £215,000 | Freehold |
| 23 Jul 2026 | 3, SIMCOE LEYSDE73 6XL | Semi-Detached | £190,000 | Freehold |
| 23 Jul 2026 | 45, LUCCOMBE DRIVEDE24 0XD | Terraced | £166,500 | Freehold |
| 22 Jul 2026 | 3, BECKENHAM WAYDE22 4BY | Terraced | £220,000 | Freehold |
| 22 Jul 2026 | 10, OLIVE GROVEDE21 6SR | Semi-Detached | £190,000 | Freehold |
| 22 Jul 2026 | 92, WOOD ROADDE21 4LZ | Semi-Detached | £250,000 | Freehold |
| 21 Jul 2026 | 16, DRAGE STREETDE1 3RW | Terraced | £205,000 | Freehold |
| 21 Jul 2026 | APARTMENT 16, KEEPERS GATE, 2, NIGHTINGALE ROADDE24 8AR | Flat | £79,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Derby City Council planning register, retrieved 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 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
£2,396,000
Loan Amount
£1,557,000
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 176 residential applications awaiting decision in Derby, together proposing 761 units — the largest single scheme proposes 350 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, Q3 2026 Edition
Median price £210,000, 3,721 sales, +1.8% YoY. Derbyshire county.
6 min read
Derbyshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £220,000, 13,397 transactions, -0.3% 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