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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)
- 4,612
- YoY change
- +2.5%
- Approved (recent)
- 423
- Pipeline units
- 2,583
- Pipeline GDV
- £946.2M
Planning pipeline
Planning activity
in Croydon.
423 approved (last 12 months)
·192 pending
·2,583 units in pipeline·£946.2M estimated GDV·61% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/03178/FUL | Change of use to 9 Class C3 residential units and Class E uses including a cafe … The Chapel 29 Chaucer Gardens Coulsdon Croydon | 1 | £415,000 | Pending | |
| 25/03552/AUT | Erection of a temporary fence for a period of two years. The Lodge Crystal Palace National Sports Centre Ledrington Road Anerley London SE19 2BB | - | - | Pending | |
| 25/03533/FUL | Replacement of existing uPVC frame windows with uPVC frame windows. 19A & 19B The Crescent Croydon CR0 2HN | - | - | Pending | |
| 25/03525/FUL | Alterations to the existing shopfront, including the installation of replacement… 12A Suffolk House George Street Croydon CR0 1PE | - | - | Pending | |
| 25/03527/FUL | Use of Totstars Play Barn as a registered early years nursery offering childcare… Addington Village Inn 36 Addington Village Road Croydon CR0 5AQ | - | - | Pending |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/03495/FUL | Demolition of the rear existing stable block and the construction of a three sto… 1430 London Road Norbury London SW16 4BZ | 5 | £2.1M | Pending | |
| 25/03471/FUL | Use of the existing dwellinghouse (Use Class C3a) as a residential institution (… 105 Cobden Road South Norwood London SE25 5NU | - | - | Pending | |
| 25/03474/FUL | Erection of 3no. dwellings including access, landscaping and works on land to th… Land R/O 1 Oak Gardens Croydon CR0 8ES | - | - | Pending | |
| 25/03436/FUL | Alterations and change of use of part of the ground floor from Class E commercia… 214 - 216 St James's Road Croydon CR0 2BW | 1 | £415,000 | Pending | |
| 25/03322/FUL | Demolition of place of worship (Use Class F1(f) and erection of a three storey b… 2A Elmwood Road Croydon CR0 2SG | 5 | £1.3M | 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 £346.3M in combined GDV across 789 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Regina Road Estate Regina Road And Sunny Bank South Norwood London SE25 4TT
£148.2M
Estimated GDV
Units
340
GDV / Unit
£436k
Build Cost (Range)
£60.1M–£77.5M
Residual Land Value
£17.0M
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 £16,982,000 (£50k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £148.2M |
| Construction (23,120 sqm @ £2,950/sqm mid) | −£68.2M |
| Externals, fees & contingency | −£20.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£17.0M |
| Developer profit target (17.5% on GDV) | −£25.9M |
| Implied residual land value | £17.0M |
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
26-52 Whytecliffe Road South And Purley Station Car Park Purley CR8 2AW
£106.2M
Estimated GDV
Units
238
GDV / Unit
£446k
Build Cost (Range)
£48.9M–£63.0M
Residual Land Value
Tight
GDV estimated from the HM Land Registry terraced house median of £425,000 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 | £106.2M |
| Construction (18,802 sqm @ £2,950/sqm mid) | −£55.5M |
| Externals, fees & contingency | −£16.3M |
| Finance (65% LTGDV, 24m) & sales costs | −£12.2M |
| Developer profit target (17.5% on GDV) | −£18.6M |
| 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.
Major Residential Development Awaiting decision
Land Rear Of 13 To 73 Stafford Road Duppas Hill Road Croydon
£91.9M
Estimated GDV
Units
211
GDV / Unit
£436k
Build Cost (Range)
£37.3M–£48.1M
Residual Land Value
£10.5M
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 £10,538,000 (£50k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £91.9M |
| Construction (14,348 sqm @ £2,950/sqm mid) | −£42.3M |
| Externals, fees & contingency | −£12.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.6M |
| Developer profit target (17.5% on GDV) | −£16.1M |
| Implied residual land value | £10.5M |
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 plus a 5% new-build premium (assumed).
- Build cost: £2,600-£3,350/sqm (new build, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 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 Croydon.
4,612 residential transactions in the last twelve months. Median sold price £415,000 (+2.5% YoY). 46 new-build transactions with a -7.2% premium over existing stock.
Detached
£715,000
Semi-Detached
£540,000
Terraced
£425,000
Flat
£267,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 27 Jul 2026 | 39, PURLEY ROADCR2 6EZ | Terraced | £290,000 | Freehold |
| 24 Jul 2026 | 14, COBDEN ROADSE25 5NX | Terraced | £475,000 | Freehold |
| 24 Jul 2026 | 193, WHITEHORSE ROADCR0 2LH | Terraced | £205,000 | Freehold |
| 24 Jul 2026 | 78B, HIGHER DRIVECR8 2HG | Semi-Detached | £625,000 | Freehold |
| 24 Jul 2026 | 31, SOUTHCOTE ROADSE25 4RG | Flat | £320,000 | Leasehold |
| 24 Jul 2026 | 145, ST PETERS STREETCR2 7DJ | Terraced | £340,000 | Freehold |
| 23 Jul 2026 | 26, CUTHBERT GARDENSSE25 6SS | Terraced | £430,000 | Freehold |
| 23 Jul 2026 | 14, CROHAM CLOSECR2 0DA | Detached | £830,000 | Freehold |
| 23 Jul 2026 | 11, SURRIDGE GARDENSSE19 3JP | Flat | £350,000 | Leasehold |
| 22 Jul 2026 | 29, THANET HOUSE, COOMBE ROADCR0 1QN | Flat | £220,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · London Borough of Croydon 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 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
£5,103,000
Loan Amount
£3,317,000
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 192 residential applications awaiting decision in Croydon, together proposing 1,065 units — the largest single scheme proposes 281 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, Q3 2026 Edition
Median price £415,000, 4,612 sales, +2.5% YoY. Greater London county.
6 min read
Greater London Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
51 towns analysed. Median price £485,000, 56,396 transactions, +0.2% 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