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Havering
development finance.

Expert property development finance in Havering, Greater London. Median price £445,000, 2,546 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Havering dealOr call +44 20 3816 3693
Median price
£445k
Sales (12m)
2,546
YoY change
+1.1%
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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 £445,000 and 2,546 transactions in the last twelve months, Havering represents a active market with prices up 1.1% year-on-year.

Detached homes command a median of £657,500 while flats average £260,000, reflecting the breadth of Havering's residential market. Terraced houses sit at £430,000, offering developers a range of scheme types from conversions to ground-up residential.

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
£445,000
Sales (12m)
2,573
YoY change
+1.1%

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£2,401,200
Senior Debt (65% LTGDV)£2,197,650
Equity Required£203,550
Interest (18m)£247,236
Profit on Cost27.7%
Senior Debt£2,197,650
Equity£203,550
Get Terms for This Scheme

Land Registry data

Recent property sales
in Havering.

2,546 residential transactions in the last twelve months. Median sold price £445,000 (+1.1% YoY). 4 new-build transactions with a +12.6% premium over existing stock.

Detached

£657,500

Semi-Detached

£500,500

Terraced

£430,000

Flat

£260,000

DateAddressTypePrice
22 May 20262, BARTHOLOMEW DRIVERM3 0WBFlat£135,000
22 May 202649, EDISON AVENUERM12 4DZSemi-Detached£585,000
22 May 2026FLAT 5, BUCKINGHAM COURT, CARLISLE ROADRM1 2QZFlat£315,000
19 May 2026FLAT 4, LORDS COURT, 2, CRANHAM ROADRM11 2AAFlat£295,000
18 May 202672, MASHITERS WALKRM1 4BPSemi-Detached£575,000
18 May 202647, BIRCH CLOSERM7 8ESSemi-Detached£420,000
18 May 20267, CORMORANT WALKRM12 5HDTerraced£405,000
15 May 20266, ASCOT GARDENSRM12 6SPSemi-Detached£600,000
15 May 202675, NEWBURY GARDENSRM14 2PASemi-Detached£615,000
15 May 202622, PLUMPTON AVENUERM12 6BESemi-Detached£530,000

Source: HM Land Registry price paid data, 12 months to July 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 £445,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £657,500, semi-detached properties at £500,500, terraced houses at £430,000, flats at £260,000.
Is Havering a good area for property development?
Havering recorded 2,546 property transactions in the last 12 months, with prices up 1.1% 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 · £417,000

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 · £510,000

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

Stratford

Median · £435,000

Olympic legacy area with continued institutional investment and strong transport connectivity

Lewisham

Median · £460,000

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