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Havering
development finance.

Expert property development finance in Havering, Greater London. Median price £442,500, 3,199 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Havering dealOr call +44 20 3816 3693
Median price
£443k
Sales (12m)
3,199
YoY change
+0.6%
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Havering, Greater London

Property finance
in Havering.

Havering - outer East London with Romford town-centre regeneration and sustained C2E commuter demand. With a median property price of £442,500 and 3,199 transactions in the last twelve months, Havering represents a active market with prices up 0.6% year-on-year.

Detached homes command a median of £661,000 while flats average £258,000, reflecting the breadth of Havering's residential market. New-build activity is notable, with 15 new-build transactions recorded over the past year - a signal of active development demand.

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 Havering and the wider Greater London area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Havering Property Market ReportGreater London County Market Report

The capital stack

Seven funding routes for
every Havering scheme.

Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Havering developers on the deal, not the product sheet.

Development Finance

Senior debt funding for ground-up residential and commercial developments.

From 6.5% p.a.Up to 65-70% LTGDV
Development Finance in Havering

Mezzanine Finance

Stretch your capital stack beyond senior debt to reduce equity requirements.

From 12% p.a.Up to 85-90% LTGDV
Mezzanine Finance in Havering

Bridging Loans

Short-term finance for acquisitions, auction purchases and time-sensitive deals.

From 0.55% p.m.Up to 75% LTV
Bridging Loans in Havering

Equity & Joint Ventures

Equity partnerships and JV structures for developers seeking capital partners.

Profit share from 40%Up to 100% of costs
Equity & Joint Ventures in Havering

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

From 0.65% p.m.Up to 75% LTV
Refurbishment Finance in Havering

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

From 5.5% p.a.Up to 75% LTV
Commercial Mortgages in Havering

Development Exit Finance

Short-term funding to repay development finance while you sell completed units.

From 0.55% p.m.Up to 75% LTV
Development Exit Finance in Havering

Live market data

Havering
market snapshot.

HM Land Registry sold-price data for Havering over the last twelve months, alongside the live local planning pipeline. Updated weekly.

Median price
£442,500
Sales (12m)
3,199
YoY change
+0.6%

Havering development appraisal

Model the numbers
for your scheme.

Pre-populated with Havering 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 Havering median prices. Adjust to match your scheme.

£
£
£
%

Build cost pre-filled at £2,950/sqm (regional benchmark) for a 6-unit scheme. Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →

Capital Structure

Total Cost£2,514,200
Senior Debt (65% LTGDV)£2,296,450
Equity Required£217,750
Interest (18m)£258,351
Profit on Cost27.4%
Senior Debt£2,296,450
Equity£217,750
Get Terms for This Scheme

Land Registry data

Recent property sales
in Havering.

3,199 residential transactions in the last twelve months. Median sold price £442,500 (+0.6% YoY). 15 new-build transactions with a +17% premium over existing stock.

Detached

£661,000

Semi-Detached

£503,250

Terraced

£430,000

Flat

£258,000

DateAddressTypePrice
26 Jun 202615, BILLET LANERM11 1TSTerraced£500,000
26 Jun 2026191, MUNGO PARK ROADRM13 7PTSemi-Detached£475,000
26 Jun 202617, GLENWOOD DRIVERM2 5ARTerraced£465,000
23 Jun 2026105, COWPER ROADRM13 9TTTerraced£360,000
22 Jun 2026104, BANCROFT CHASERM12 4DRTerraced£480,000
19 Jun 202637, CHERRY TREE CLOSERM13 7QUTerraced£386,000
19 Jun 202613, HILLRISE ROADRM5 3BGFlat£235,000
19 Jun 202619, WHITMORE AVENUERM3 0WYSemi-Detached£473,000
19 Jun 20265, ERITH CRESCENTRM5 3JJSemi-Detached£221,000
19 Jun 20265, KENT DRIVERM12 6TDSemi-Detached£425,000

Source: HM Land Registry price paid data, 12 months to September 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.

Common questions

Property finance in Havering
— answered.

What is the average property price in Havering?
The median property price in Havering is £442,500, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £661,000, semi-detached properties at £503,250, terraced houses at £430,000, flats at £258,000.
Is Havering a good area for property development?
Havering recorded 3,199 property transactions in the last 12 months, with prices up 0.6% year-on-year - suggesting sustained buyer demand. Outer East London with Romford town-centre regeneration and sustained C2E commuter demand. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Havering?
We arrange the full range of property development finance in Havering: development finance for ground-up schemes, bridging loans for auction purchases and chain breaks, mezzanine finance to stretch your capital stack, refurbishment finance for conversion projects, commercial mortgages for income-producing assets, equity and joint ventures for larger schemes, and development exit finance for completed projects awaiting sales.
How do I apply for development finance in Havering?
Start by submitting your deal through our Deal Room with your project details - site address, purchase price, build costs, and expected end value. Our team will review your scheme, model the funding structure, and present you with terms from our panel of over 100 lenders within 48 hours. There's no upfront fee and no obligation until you choose to proceed.
What are typical development finance rates in Havering?
Development finance rates for Havering projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £3.0M, you could expect senior debt at 60-70% of GDV with rates from 7.5%. Arrangement fees are usually 1-2% of the facility. We negotiate the best available terms from our lender panel for each deal.

Expert guides

Further reading
on development finance.

Development Finance vs Bridging Loans: Which Do You Need?

8 min read read

Mezzanine Finance vs Equity Funding: Choosing the Right Capital Stack

7 min read read

Bank vs Specialist Development Finance: Pros, Cons and When to Use Each

7 min read read

Senior Debt vs Mezzanine Finance: How They Work Together in Your Capital Stack

7 min read read
View all guides

Recent deals

Property finance deals
in Greater London.

Real schemes we have structured for developers in Greater London. Sanitised for confidentiality, anchored in actual terms issued.

Bridging + Refurbishment

Auction Purchase & Refurb

Rapid bridging finance for an auction purchase in Hackney. Funds drawn within 14 days to meet auction completion deadline, then refinanced into refurbishment facility.

GDV
£1.8M
Leverage
70% LTV
View all case studies

Where we fund

Havering,
Greater London.

Nearby markets

Adjacent towns
we also fund.

Croydon

Median · £415,000

South London's largest regeneration programme with over 10,000 new homes planned in the town centre

Barking

Median · £380,000

East London regeneration hub anchored by Barking Riverside - one of Europe's largest brownfield developments

Woolwich

Median · £450,000

Elizabeth Line connectivity driving residential demand along the Royal Arsenal Waterfront

Ealing

Median · £500,000

West London beneficiary of Crossrail with strong family housing demand and conservation area opportunities

Stratford

Median · £430,000

Olympic legacy area with continued institutional investment and strong transport connectivity

Lewisham

Median · £450,000

Bakerloo line extension target area with significant council-led regeneration plans

Ready when you are

Tell us the deal.
We’ll recommend the structure.

Submit your development finance enquiry in Havering 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.

Enter the Deal RoomOr call +44 20 3816 3693