Harlow, Essex
Bridging Finance
in Harlow
Expert bridging finance for property developers in Harlow. We connect you with competitive funding from our panel of 100+ lenders.
Harlow, Essex
Bridging Finance
in Harlow.
Live market data
Harlow
market snapshot.
HM Land Registry sold-price data for Harlow over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £334,500
- Sales (12m)
- 1,165
- YoY change
- +2.3%
- Approved (recent)
- 12
- Pipeline units
- 120
- Pipeline GDV
- £28.0M
Planning pipeline
Planning activity
in Harlow.
12 approved (last 12 months)
·11 pending
·120 units in pipeline·£28.0M estimated GDV·60% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| HW/HSE/26/00223 | Demolition of existing rear porch and erection of a single storey rear extension… 51 The Chantry Harlow Essex CM20 2LY | - | - | Pending | 12/08/2026 |
| HW/FUL/25/00504 | Redevelopment of the site to provide mixed use development across 2 buildings, c… Proposed Development South East Of Princess Alexandra Hospital Fourth Avenue Harlow Essex | - | - | Pending | 04/08/2026 |
| HW/FUL/25/00508 | Erection of roof extensions, formation of two loft-level flats, internal reconfi… Principle House The Fairway Harlow Essex | 2 | £400,000 | Pending | 25/06/2026 |
| HW/FUL/26/00145 | Change of use of existing annexe to a single dwellinghouse with associated priva… Peartree Cottage Harberts Road Harlow Essex CM19 4EU | 1 | £334,500 | Pending | 03/06/2026 |
| HW/HSE/26/00084 | Conversion of the existing detached garage to a single-storey, single occupancy … 39 Paddock Mead Harlow Essex CM18 7RR | 1 | £520,000 | Pending | 11/05/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| HW/HSE/26/00366 | Conversion of existing integral garage into a home office 4 Doulton Close Harlow Essex CM17 9RG | - | - | Pending | 10/09/2026 |
| HW/FUL/26/00357 | Demolition of existing buildings and redevelopment to provide 10 dwellings, inco… Harlowbury Primary School Watlington Road Harlow Essex CM17 0DX | 10 | £3.3M | Pending | 03/09/2026 |
| HW/FUL/26/00329 | Erection of 1 no. new dwelling with associated landscaping and parking Land Adjoining 63 Park Mead Park Mead Harlow Essex | 1 | £334,500 | Pending | 13/08/2026 |
| HW/PANDC/26/00297 | Change of use from Class E office furniture retail to residential comprising 10 … Mansfield House West Road Harlow Essex CM20 2TZ | 10 | £2.0M | Pending | 31/07/2026 |
| HW/FUL/26/00286 | Change of Use from Class C3 (Dwellinghouse) to Use Class C2 (Childrens Residenti… 19 Thurstans Harlow Essex CM19 4RS | 1 | £334,500 | Pending | 21/07/2026 |
Deal intelligence
Key schemes
in Harlow.
Indicative appraisals of the largest residential schemes in the Harlow planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £23.2M in combined GDV across 104 units, with indicative capital stacks for each.
Demolition & New Build Awaiting decision
4 Wych Elm Harlow Essex CM20 1QP
£17.6M
Estimated GDV
Units
84
GDV / Unit
£210k
Build Cost (Range)
£16.1M–£20.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £200,000 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 | £17.6M |
| Construction (5,292 sqm @ £3,440/sqm mid) | −£18.2M |
| Externals, fees & contingency | −£5.3M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.0M |
| Developer profit target (17.5% on GDV) | −£3.1M |
| 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.
Residential Development Awaiting decision
Harlowbury Primary School Watlington Road Harlow Essex CM17 0DX
£3.5M
Estimated GDV
Units
10
GDV / Unit
£351k
Build Cost (Range)
£1.9M–£2.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £334,500 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 | £3.5M |
| Construction (850 sqm @ £2,550/sqm mid) | −£2.2M |
| Externals, fees & contingency | −£575k |
| Finance (65% LTGDV, 18m) & sales costs | −£347k |
| Developer profit target (17.5% on GDV) | −£615k |
| Implied residual land value | Marginal |
Broker insight: For a 10-unit scheme in Harlow, 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.
Residential Development Awaiting decision
Mansfield House West Road Harlow Essex CM20 2TZ
£2M
Estimated GDV
Units
10
GDV / Unit
£200k
Build Cost (Range)
£882k–£1.1M
Residual Land Value
£187k
GDV estimated from the HM Land Registry flat median of £200,000. At benchmark build costs, the implied residual land value is £187,000 (£19k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £2M |
| Construction (630 sqm @ £1,580/sqm mid) | −£995k |
| Externals, fees & contingency | −£270k |
| Finance (65% LTGDV, 18m) & sales costs | −£198k |
| Developer profit target (17.5% on GDV) | −£350k |
| Implied residual land value | £187k |
Broker insight: For a 10-unit scheme in Harlow, 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 flat median of £200,000 plus a 5% new-build premium (assumed).
- Build cost: £3,040-£3,850/sqm (new build, uplifted for 15-storey construction, indicative range informed by BCIS regional tender-price data, 2025/26) × 63 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 Harlow.
1,165 residential transactions in the last twelve months. Median sold price £334,500 (+2.3% YoY). 10 new-build transactions with a +49.5% premium over existing stock.
Detached
£520,000
Semi-Detached
£425,000
Terraced
£334,000
Flat
£200,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Jul 2026 | 79, EAST PARKCM17 0SB | Terraced | £400,000 | Freehold |
| 24 Jul 2026 | 96, DOULTON CLOSECM17 9RH | Semi-Detached | £440,000 | Freehold |
| 20 Jul 2026 | 113, COPSE HILLCM19 4PR | Detached | £336,500 | Freehold |
| 17 Jul 2026 | 34, RODIN DRIVECM18 7FU | Terraced | £438,000 | Freehold |
| 17 Jul 2026 | 35, THE HOOCM17 0HP | Terraced | £360,000 | Freehold |
| 17 Jul 2026 | 220, LADYSHOTCM20 3EU | Flat | £325,000 | Freehold |
| 17 Jul 2026 | 108, KINGSLANDCM18 6XW | Terraced | £335,000 | Freehold |
| 16 Jul 2026 | 113, COALPORT CLOSECM17 9RA | Terraced | £455,000 | Freehold |
| 16 Jul 2026 | 104, DAVENPORTCM17 9TJ | Terraced | £410,000 | Freehold |
| 15 Jul 2026 | 142, HALLING HILLCM20 3JW | Terraced | £342,500 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Harlow 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 Harlow deals.
Typical pricing for bridging finance in Harlow. 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, Harlow
An indicative appraisal for a nine-unit residential scheme priced at Harlow'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
£4,016,000
Loan Amount
£2,610,000
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 Harlow
— answered.
How active is the development pipeline in Harlow?
The Harlow Council planning register currently shows 11 residential applications awaiting decision in Harlow, together proposing 26 units — the largest single scheme proposes 10 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
Harlow Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £334,500, 1,165 sales, +2.3% YoY. Essex county.
6 min read
Essex Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
10 towns analysed. Median price £345,000, 23,351 transactions, +0.7% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Harlow 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
Harlow,
Essex.
Adjacent products
Other services
in Harlow.
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