Essex
Grays
development finance.
Expert property development finance in Grays, Essex. Median price £350,000, 1,365 annual sales. We connect developers with competitive funding from 100+ lenders.
- Median price
- £350k
- Sales (12m)
- 1,365
- YoY change
- 0%
Grays, Essex
Property finance
in Grays.
Grays - thurrock growth area with London Gateway port driving employment and housing demand. With a median property price of £350,000 and 1,365 transactions in the last twelve months, Grays represents a healthy market with prices up 0% year-on-year.
Detached homes command a median of £528,500 while flats average £209,500, reflecting the breadth of Grays's residential market. Terraced houses sit at £340,000, offering developers a range of scheme types from conversions to ground-up residential.
Whether you need development finance for a ground-up scheme, bridging finance to secure a site at auction, or mezzanine finance to stretch your capital stack, our brokers arrange the full range of property finance across Grays and the wider Essex area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.
The capital stack
Seven funding routes for
every Grays scheme.
Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Grays developers on the deal, not the product sheet.
Development Finance
Senior debt funding for ground-up residential and commercial developments.
Mezzanine Finance
Stretch your capital stack beyond senior debt to reduce equity requirements.
Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
Equity & Joint Ventures
Equity partnerships and JV structures for developers seeking capital partners.
Refurbishment Finance
Funding for light and heavy refurbishment projects including conversions.
Commercial Mortgages
Long-term finance for commercial property acquisition and refinancing.
Development Exit Finance
Short-term funding to repay development finance while you sell completed units.
Live market data
Grays
market snapshot.
HM Land Registry sold-price data for Grays over the last twelve months, cross-referenced with local planning pipeline. Updated weekly.
- Median price
- £350,000
- Sales (12m)
- 1,365
- YoY change
- +0%
Grays development appraisal
Model the numbers
for your scheme.
Pre-populated with Grays median prices and typical senior-debt pricing. Adjust the inputs to match your deal and we will hand the working assumptions through to the Deal Room.
Scheme Inputs
Pre-populated with Grays median prices. Adjust to match your scheme.
Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →
Capital Structure
Land Registry data
Recent property sales
in Grays.
1,365 residential transactions in the last twelve months. Median sold price £350,000. 5 new-build transactions with a +35.4% premium over existing stock.
Detached
£528,500
Semi-Detached
£400,000
Terraced
£340,000
Flat
£209,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 23 Feb 2026 | 5, ST MICHAELS ROADRM16 4LH | Terraced | £360,000 | Freehold |
| 23 Feb 2026 | 17, LENMORE AVENUERM17 5NY | Semi-Detached | £470,000 | Freehold |
| 19 Feb 2026 | FLAT 17, COLLIER COURT, CRAMMAVILL STREETRM16 2AZ | Flat | £125,000 | Leasehold |
| 17 Feb 2026 | 29, FIELDING AVENUERM18 8HN | Terraced | £267,000 | Freehold |
| 13 Feb 2026 | 15, MANNING STREETRM15 4AU | Semi-Detached | £390,000 | Freehold |
| 13 Feb 2026 | 45, GRENVILLE ROADRM16 6BG | Flat | £222,000 | Leasehold |
| 13 Feb 2026 | 26, CAMDEN ROADRM16 6PY | Semi-Detached | £320,000 | Freehold |
| 13 Feb 2026 | 40, ST JOHNS WAYSS17 7LJ | Flat | £105,000 | Leasehold |
| 13 Feb 2026 | 3, LEIGHTON GARDENSRM18 8ND | Terraced | £300,000 | Freehold |
| 13 Feb 2026 | 48, BYRON GARDENSRM18 8BD | Terraced | £362,000 | Freehold |
Planning pipeline
Planning activity
in Grays.
Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00203/FUL | Change of use of a dwelling from C3(a) residential to supported living care faci… 33 Hope Avenue Stanford Le Hope Essex SS17 8DH | 1 | £350,000 | Pending | 23/02/2026 |
| 26/00276/FUL | Change of use from Residential Dwelling (Class C3) to Residential Care Home (Cla… 20 Ulverston Purfleet-on-thames Essex RM19 1SW | 1 | £350,000 | Pending | 11/03/2026 |
| 26/00266/FUL | Erection of 3 detached dwellings with associated garages, access, parking and la… Land Adjacent Carlton High Road Fobbing Essex | 3 | £1.6M | Pending | 09/03/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00492/PAPNDM | Industrial Units (forming one block) to rear of 799 London Road, Shown hatched o… Bridge View Industrial Estate London Road West Thurrock Essex | - | - | Pending | 07/05/2026 |
| 26/00478/FUL | Change of use from Supported Living (Use Class C3(b)) to Children's Home (Use Cl… 52 High View Avenue Grays Essex RM17 6RU | - | - | Pending | 04/05/2026 |
| 26/00473/LBC | Demolish existing small porch extension to the rear and replace with a slightly … Linstead Farm Cottages Orsett Road Horndon On The Hill Essex SS17 8PW | - | - | Pending | 01/05/2026 |
| 26/00467/FUL | Erection of a new one bedroom house at rear of rear of 25 whitehall road grays r… 25 Whitehall Road Grays Essex RM17 5NT | 1 | £350,000 | Pending | 30/04/2026 |
| 26/00461/FUL | Installation of 6no EV parking bays, 3no EV chargers and associated electrical i… BP Orsett Cock Petrol Station Eastbound Orsett Cock Roundabout To Stanford Interchange Eastbound Orsett Essex RM16 3AY | - | - | Pending | 29/04/2026 |
Common questions
Property finance in Grays
— answered.
What is the average property price in Grays?
Is Grays a good area for property development?
What types of property finance are available in Grays?
How do I apply for development finance in Grays?
What are typical development finance rates in Grays?
Expert guides
Further reading
on development finance.
Fixed vs Variable Bridging Rates: Which Saves You More?
6 min read readPermitted Development Rights: A Finance Guide for Developers
10 min read readDevelopment Finance for First-Time Developers: What You Need to Know
4 min read readUsing a Bridging Loan to Buy at Auction: A Step-by-Step Guide
4 min read readWhere we fund
Grays,
Essex.
Nearby markets
Adjacent towns
we also fund.
Chelmsford
Median · £395,000
Essex's only city with strong commercial centre, major housing growth, and fast Liverpool Street services
Basildon
Median · £351,375
Thames Gateway New Town with significant regeneration plans and Enterprise Zone benefits
Southend-on-Sea
Median · £331,500
City status and seafront regeneration driving residential and leisure development investment
Colchester
Median · £315,000
Britain's oldest recorded town with garrison regeneration and university campus driving demand
Harlow
Median · £330,000
Garden Town status with Gilston Park development delivering 10,000 homes and Enterprise Zone
Brentwood
Median · £510,000
Affluent commuter town with Elizabeth Line proximity and premium family housing demand
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your development finance enquiry in Grays 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.