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Croydon, Greater London
Bridging Finance
in Croydon
Expert bridging finance for property developers in Croydon. We connect you with competitive funding from our panel of 100+ lenders.
Croydon, Greater London
Bridging Finance
in Croydon.
Live market data
Croydon
market snapshot.
HM Land Registry sold-price data for Croydon over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £415,000
- Sales (12m)
- 3,193
- YoY change
- +2.5%
- Pipeline units
- 2,555
- Pipeline GDV
- £963.4M
Planning pipeline
Planning activity
in Croydon.
836 residential applications awaiting decision
·2,555 units in pipeline·£963.4M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/02792/FUL | Change of use of single dwellinghouse (C3) to children's home (C2) for up to 3 c… 41 Bramley Hill South Croydon CR2 6NW | 1 | £415,500 | Pending | |
| 25/02782/FUL | Alterations to existing shopfront involving the installation of an additional do… 367 Brighton Road South Croydon CR2 6ES | - | - | Pending | |
| 25/02788/FUL | Conversion of single-family dwelling into 2 self-contained flats (1 x 3-bedroom … 9 Carlton Road South Croydon CR2 0BP | 2 | £530,000 | Pending | |
| 25/02775/GPDO | Notification for prior approval under the GPDO 2015 under Class AA for an upward… 289 Longheath Gardens Croydon CR0 7TZ | - | - | Pending | |
| 25/02781/GPDO | Erection of a single storey rear extension which projects out from the rear wall… 50 Elmwood Road Croydon CR0 2SJ | - | - | Pending |
Deal intelligence
Key schemes
in Croydon.
Indicative appraisals of the largest residential schemes in the Croydon planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £344.6M in combined GDV across 805 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Southern House Wellesley Grove Croydon CR0 1XG
£124.5M
Estimated GDV
Units
300
GDV / Unit
£415k
Build Cost (Range)
£32.8M–£42.4M
Residual Land Value
£39.9M
GDV estimated from the HM Land Registry blended median of £415,000. At benchmark build costs, the implied residual land value is £39,912,000 (£133k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £124.5M |
| Construction (20,400 sqm @ £1,830/sqm mid) | −£37.3M |
| Externals, fees & contingency | −£11.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£14.3M |
| Developer profit target (17.5% on GDV) | −£21.8M |
| Implied residual land value | £39.9M |
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
Development Site Adjoining East Croydon Station Croydon CR0 2NF
£119.8M
Estimated GDV
Units
275
GDV / Unit
£436k
Build Cost (Range)
£48.6M–£62.6M
Residual Land Value
£13.7M
GDV estimated from the HM Land Registry blended median of £415,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £13,736,000 (£50k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £119.8M |
| Construction (18,700 sqm @ £2,950/sqm mid) | −£55.2M |
| Externals, fees & contingency | −£16.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£13.8M |
| Developer profit target (17.5% on GDV) | −£21.0M |
| Implied residual land value | £13.7M |
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
Blenheim Shopping Centre High Street Penge London SE20 8RW
£100.2M
Estimated GDV
Units
230
GDV / Unit
£436k
Build Cost (Range)
£40.7M–£52.4M
Residual Land Value
£11.5M
GDV estimated from the HM Land Registry blended median of £415,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £11,488,000 (£50k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £100.2M |
| Construction (15,640 sqm @ £2,950/sqm mid) | −£46.1M |
| Externals, fees & contingency | −£13.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£11.5M |
| Developer profit target (17.5% on GDV) | −£17.5M |
| Implied residual land value | £11.5M |
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 £415,000.
- Build cost: £1,610-£2,080/sqm (conversion, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 12.5%, professional fees 8%, contingency 7.5%, 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 Croydon.
3,193 residential transactions in the last twelve months. Median sold price £415,000 (+2.5% YoY). 30 new-build transactions with a -7.7% premium over existing stock.
Detached
£700,000
Semi-Detached
£535,000
Terraced
£425,000
Flat
£265,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 20D, FOXLEY LANECR8 3ED | Flat | £322,500 | Leasehold |
| 26 Jun 2026 | 93, TURNPIKE LINKCR0 5NU | Flat | £333,000 | Leasehold |
| 26 Jun 2026 | 83, GLOUCESTER ROADCR0 2DN | Other | £540,000 | Freehold |
| 23 Jun 2026 | 90A, HIGH STREETCR0 1ND | Semi-Detached | £600,000 | Freehold |
| 22 Jun 2026 | FLAT 3A, 8, CROHAM PARK AVENUECR2 7HH | Flat | £415,000 | Leasehold |
| 19 Jun 2026 | 19, BELMONT ROADSE25 4QG | Terraced | £425,000 | Freehold |
| 19 Jun 2026 | 37, MANOR ROADSE25 4TD | Terraced | £470,000 | Freehold |
| 19 Jun 2026 | 4, HARTLEY DOWNCR8 4EA | Detached | £645,000 | Freehold |
| 19 Jun 2026 | 326, BRIGSTOCK ROADCR7 7JF | Semi-Detached | £485,000 | Freehold |
| 19 Jun 2026 | 10, COLLIERS WATER LANECR7 7LA | Terraced | £500,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · London Borough of Croydon 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 Croydon deals.
Typical pricing for bridging finance in Croydon. 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, Croydon
An indicative appraisal for a nine-unit residential scheme priced at Croydon'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
£5,056,000
Loan Amount
£3,286,000
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 Croydon
— answered.
How active is the development pipeline in Croydon?
The London Borough of Croydon planning register currently shows 836 residential applications awaiting decision in Croydon, together proposing 2,555 units — the largest single scheme proposes 300 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
Croydon Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £417,000, 3,279 sales, +3% YoY. Greater London county.
6 min read
Greater London Property Market: Prices, Trends & Development Finance, End of H1 2026
51 towns analysed. Median price £485,000, 39,413 transactions, 0% YoY.
Recent deals
Property finance deals
in Croydon, Greater London.
Real schemes we have structured for developers in Croydon, Greater London. Sanitised for confidentiality, anchored in actual terms issued.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Croydon 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
Croydon,
Greater London.
Adjacent products
Other services
in Croydon.
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