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Havering
development finance.

Expert property development finance in Havering, Greater London. Median price £447,500, 3,626 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Havering dealOr call +44 20 3816 3693
Median price
£448k
Sales (12m)
3,626
YoY change
+1.7%
Aerial photography of London skyline during daytime

Property finance
in Havering.

Havering - outer East London with Romford town-centre regeneration and sustained C2E commuter demand. With a median property price of £447,500 and 3,626 transactions in the last twelve months, Havering represents a active market with prices up 1.7% year-on-year.

Detached homes command a median of £667,250 while flats average £257,500, reflecting the breadth of Havering's residential market. New-build activity is notable, with 18 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
£447,500
Sales (12m)
3,626
YoY change
+1.7%
Approved (recent)
101
Pipeline units
4,137
Pipeline GDV
£1582.9M

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£2,456,200
Senior Debt (65% LTGDV)£2,246,400
Equity Required£209,800
Interest (18m)£252,720
Profit on Cost27.6%
Senior Debt£2,246,400
Equity£209,800
Get Terms for This Scheme

Land Registry data

Recent property sales
in Havering.

3,626 residential transactions in the last twelve months. Median sold price £447,500 (+1.7% YoY). 18 new-build transactions with a +15.2% premium over existing stock.

Detached

£667,250

Semi-Detached

£500,000

Terraced

£433,000

Flat

£257,500

DateAddressTypePrice
27 Aug 202688, CROWLANDS AVENUERM7 9HXTerraced£530,000
26 Aug 2026262, MAWNEY ROADRM7 8DLSemi-Detached£545,000
26 Aug 2026107, GORSEWAYRM7 0RRSemi-Detached£610,000
24 Aug 202616, YELVERTON CLOSERM3 8HGTerraced£350,000
24 Aug 202629, BOXMOOR ROADRM5 2SHSemi-Detached£425,000
21 Aug 2026143, SQUIRRELS HEATH ROADRM3 0NTSemi-Detached£390,000
20 Aug 202616, FOX CLOSERM5 2LLTerraced£442,500
20 Aug 202613, ALBANY ROADRM12 4AESemi-Detached£585,000
20 Aug 202669, JUNIPER WAYRM3 0XQSemi-Detached£550,000
20 Aug 2026198, LANCASTER DRIVERM12 5SJSemi-Detached£528,000

Planning pipeline

Planning activity
in Havering.

101 approved (last 15 months)
·
60 pending
·4,137 units in pipeline·£1582.9M estimated GDV·48% approval rate (last 15 months)

Recently Approved

RefProposalUnitsEst. GDVStatus
P0538.26

Construction of a two storey 2 x bed detached residential dwelling

Near RM14 2YE

1£667,250Pending
P1443.25

Demolition of existing building to facilitate redevelopment comprising Shared Li…

Near RM1 1TU

0-Pending
E0024.26

Retention of two self--contained flats (ground and first floor flats) at 20 Tenn…

Near RM12 4BN

2£515,000Pending
J0013.26

Application for prior notification of development for the conversion of commerci…

Near RM1 4QB

48£12.4MPending
P0876.26

Demolition of the existing dwelling and construction of a replacement three stor…

Near RM14 1BS

1£447,500Pending

Current Applications

RefProposalUnitsEst. GDVStatus
P1086.26

Erection of one, 4-bed detached dwelling with associated cycle store, waste/refu…

Near RM1 4HT

1£667,250Pending
D0363.26

The use of a dwellinghouse as an Ofsted registered children's care home pursuant…

Near RM3 7BA

0-Pending
P1073.26

Change of use from an existing HMO (Class C4) to an 8-person HMO (Sui-Generis) i…

Near RM7 8DJ

0-Pending
P1052.26

Change of use from C3 (single residential dwelling) to C4 (HMO) for up to 6 peop…

Near RM5 2BW

0-Pending
P1042.26

Creation of a self-contained single storey 1-bedroom, 1-person (1b1p) dwellingho…

Near RM3 7AD

1£447,500Pending

Source: HM Land Registry price paid data, 12 months to October 2026 · Havering planning register, retrieved October 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 £447,500, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £667,250, semi-detached properties at £500,000, terraced houses at £433,000, flats at £257,500.
Is Havering a good area for property development?
Havering recorded 3,626 property transactions in the last 12 months, with prices up 1.7% 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.

Bridge First, Then Development Finance: When Bridging Comes First

6 min read read

Mezzanine vs Equity Funding: Control, Risk and Exit Compared

6 min read read

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

5 min read read

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

4 min read read
View all guides

Indicative structures

How consented schemes
in Greater London stack up.

Recently consented schemes in Greater London, modelled at 70% LTGDV with GDV estimated from local Land Registry sold prices. Indicative only: not offers of finance and not completed transactions.

Office to residential

7 homes, Kingston

Change of use of ground and first-floor offices to seven flats.

Est. GDV
£3.7M
Senior debt
£2.6M

Upward extension (prior approval)

12 homes, Enfield

Two additional storeys on an existing building, creating twelve flats.

Est. GDV
£3.6M
Senior debt
£2.5M

Office to residential

6 homes, Bexley

Change of use of an office building to six flats, with a rear extension.

Est. GDV
£2.5M
Senior debt
£1.8M
View all indicative schemes

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 · £515,000

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