Essex
Grays
development finance.
Expert property development finance in Grays, Essex. Median price £350,000, 1,477 annual sales. We connect developers with competitive funding from 100+ lenders.
- Median price
- £350k
- Sales (12m)
- 1,477
- 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 1,477 transactions in the last twelve months, Grays represents a healthy market.
Detached homes command a median of £550,000 while flats average £202,000, 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)
- 1,477
- YoY change
- +0%
- Approved (12m)
- 0
- Pipeline units
- 576
- Pipeline GDV
- £199.0M
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.
1,477 residential transactions in the last twelve months. Median sold price £350,000. 4 new-build transactions with a +99.3% premium over existing stock.
Detached
£550,000
Semi-Detached
£400,000
Terraced
£340,000
Flat
£202,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Apr 2026 | 21, CHURCH HOLLOWRM19 1QJ | Terraced | £285,000 | Freehold |
| 22 Apr 2026 | 25, STANLEY ROADRM17 6QX | Terraced | £295,000 | Freehold |
| 20 Apr 2026 | 7, CONRAD CLOSERM16 2TW | Detached | £580,000 | Freehold |
| 20 Apr 2026 | 27, MALTHOUSE DRIVERM17 5FG | Terraced | £350,000 | Freehold |
| 17 Apr 2026 | 16, MONARCH CLOSERM18 8EL | Terraced | £310,000 | Freehold |
| 17 Apr 2026 | 164, MILTON ROADSS17 8JX | Terraced | £360,000 | Freehold |
| 17 Apr 2026 | 21, ANDERSONSSS17 7JF | Semi-Detached | £425,000 | Freehold |
| 17 Apr 2026 | 4, CELEDON CLOSERM16 6PZ | Terraced | £314,000 | Freehold |
| 16 Apr 2026 | 6, HOWELL ROADSS17 8JL | Terraced | £217,000 | Freehold |
| 15 Apr 2026 | 207, GODMAN ROADRM16 4TR | Terraced | £270,000 | Freehold |
Planning pipeline
Planning activity
in Grays.
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00367/FUL | Conversion and extension of existing brick outbuilding to a two storey, one bedr… Thurrock Peri Peri 8 Corringham Road Stanford Le Hope Essex SS17 0AH | 1 | £350,000 | Pending | |
| 26/00363/PIP | Permission in Principle for up to 4 no. dwellings. 246A Heath Road Chadwell St Mary Essex RM16 3AP | 4 | £1.4M | Pending | |
| 26/00359/FUL | Retrospective application for part change of use of the rear garden of No. 153 a… 153 St Chads Road Tilbury Essex RM18 8LJ | - | - | Pending | |
| 26/00349/OUT | Outline application for the erection of residential dwellings (50% affordable) t… Land North Of A13 And Adjacent High Road North Stifford Grays Essex | 126 | £44.1M | Pending | |
| 26/00331/FUL | Proposed new shop front, signage, projecting sign, erection of external fridges … Quirk Deakin 42 Orsett Road Grays Essex RM17 5EB | - | - | Pending |
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 · £400,000
Essex's only city with strong commercial centre, major housing growth, and fast Liverpool Street services
Basildon
Median · £355,000
Thames Gateway New Town with significant regeneration plans and Enterprise Zone benefits
Southend-on-Sea
Median · £333,000
City status and seafront regeneration driving residential and leisure development investment
Colchester
Median · £320,000
Britain's oldest recorded town with garrison regeneration and university campus driving demand
Harlow
Median · £333,500
Garden Town status with Gilston Park development delivering 10,000 homes and Enterprise Zone
Brentwood
Median · £495,000
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.