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
- £335,000
- Sales (12m)
- 825
- YoY change
- +1.5%
- Pipeline units
- 78
- Pipeline GDV
- £25.9M
Planning pipeline
Planning activity
in Harlow.
3 residential applications awaiting decision
·40 units in pipeline·£13.1M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| HW/CND/26/00246 | Application for approval of details reserved by condition 10 (Drainage Maintenan… Redevelopment Of Elm Hatch Elm Hatch Harlow Essex CM18 6BH | 1 | £205,000 | Pending | |
| HW/CND/26/00215 | Application for approval of details reserved by condition 19 (Residential Travel… Redevelopment Of Elm Hatch Elm Hatch Harlow Essex CM18 6BH | 1 | £205,000 | Pending | |
| HW/CND/26/00319 | Application for approval of details reserved by condition 7 (Maintenance Plan - … Land East Of Windmill Fields Moor Hall Road Harlow Essex | 38 | £12.7M | Pending |
Deal intelligence
Key schemes
in Harlow.
Indicative appraisals of the largest residential schemes in the Harlow planning pipeline (all currently awaiting decision). These 1 schemes represent an estimated £13.4M in combined GDV across 38 units, with indicative capital stacks for each.
Residential Development Awaiting decision
Land East Of Windmill Fields Moor Hall Road Harlow Essex
£13.4M
Estimated GDV
Units
38
GDV / Unit
£352k
Build Cost (Range)
£5.8M–£7.4M
Residual Land Value
£1.4M
GDV estimated from the HM Land Registry blended median of £335,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £1,371,000 (£36k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £13.4M |
| Construction (2,584 sqm @ £2,550/sqm mid) | −£6.6M |
| Externals, fees & contingency | −£1.7M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.3M |
| Developer profit target (17.5% on GDV) | −£2.3M |
| Implied residual land value | £1.4M |
Broker insight: For a 38-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 blended median of £335,000 plus a 5% new-build premium (assumed).
- Build cost: £2,250-£2,850/sqm (new build, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 10%, 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 18 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.
825 residential transactions in the last twelve months. Median sold price £335,000 (+1.5% YoY). 2 new-build transactions with a % premium over existing stock.
Detached
£518,500
Semi-Detached
£425,000
Terraced
£333,500
Flat
£205,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 15, MULBERRY GREENCM17 0EY | Flat | £220,000 | Leasehold |
| 24 Jun 2026 | 126, RADBURN CLOSECM18 7EG | Terraced | £315,000 | Freehold |
| 19 Jun 2026 | 23A, BRICKCROFT HOPPITCM17 9FJ | Terraced | £350,000 | Freehold |
| 18 Jun 2026 | 36, VICTORIA GATECM17 9TA | Flat | £225,000 | Leasehold |
| 18 Jun 2026 | 30, ASH TREE FIELDCM20 1QD | Terraced | £330,000 | Freehold |
| 18 Jun 2026 | 250, THE HORNBEAMSCM20 1PN | Terraced | £290,000 | Freehold |
| 17 Jun 2026 | 186, LITTLE CATTINSCM19 5RH | Terraced | £290,000 | Freehold |
| 17 Jun 2026 | 55, OLD ORCHARDCM18 6YQ | Terraced | £377,000 | Freehold |
| 12 Jun 2026 | 81, HARE STREET SPRINGSCM19 4AR | Terraced | £342,500 | Freehold |
| 12 Jun 2026 | 231, LITTLE BRAYSCM18 6EU | Terraced | £400,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Harlow 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 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 3 residential applications awaiting decision in Harlow, together proposing 40 units — the largest single scheme proposes 38 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, End of H1 2026
Median price £335,000, 845 sales, +2.4% YoY. Essex county.
6 min read
Essex Property Market: Prices, Trends & Development Finance, End of H1 2026
10 towns analysed. Median price £342,500, 16,514 transactions, 0% 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