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Bury, Greater Manchester
Bridging Finance
in Bury
Expert bridging finance for property developers in Bury. We connect you with competitive funding from our panel of 100+ lenders.
Bury, Greater Manchester
Bridging Finance
in Bury.
Live market data
Bury
market snapshot.
HM Land Registry sold-price data for Bury over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £230,000
- Sales (12m)
- 2,914
- YoY change
- -0.3%
- Approved (recent)
- 54
- Pipeline units
- 234
- Pipeline GDV
- £47.7M
Planning pipeline
Planning activity
in Bury.
54 approved (last 12 months)
·15 pending
·234 units in pipeline·£47.7M estimated GDV·57% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 72509 | Change of use from a barber shop (Class E) to a residential dwelling (Class C3) 32 Bolton Road West, Ramsbottom, Bury, BL0 9ND | 1 | £230,000 | Pending | 30/10/2025 |
| 72463 | Erection of 1 no. dwelling following demolition of existing dwelling 12A Rectory Avenue, Prestwich, Manchester, M25 1DE | 1 | £230,000 | Pending | 15/10/2025 |
| 72454 | Change of use from dwellinghouse (Class C3(a)) to children's residential care ho… 13 Morley Street, Whitefield, Manchester, M45 6GF | 1 | £230,000 | Pending | 10/10/2025 |
| 72555 | Change of use from house in multiple occupation (HMO) (Sui Generis) to 1 no. res… 4 Glebelands Road, Prestwich, Manchester, M25 1NE | 1 | £230,000 | Pending | 18/11/2025 |
| 72556 | Prior approval for proposed change of use from office (Class E) to 1 no. dwellin… 44 Rectory Lane, Prestwich, Manchester, M25 1BL | 1 | £230,000 | Pending | 18/11/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 73612 | Application for permission in principle for 1 no. Dwelling Higher Redisher Farm, Redisher Lane, Ramsbottom, Bury, BL8 4HX | 1 | £230,000 | Pending | 04/09/2026 |
| 73574 | Application for Permission in Principle for the construction of 1 no. single det… Gorsehill, 94 Starling Road, Radcliffe, Bury, BL8 2HH | 1 | £230,000 | Pending | 25/08/2026 |
| 73539 | Construction of a single-storey side extension to provide 3. no additional care … 211-213 Bury New Road, Whitefield, Manchester, M45 8GW | - | - | Pending | 11/08/2026 |
| 73522 | Erection of one dwellinghouse Land at Parr Hill, Whitefield, M45 7EZ | 1 | £230,000 | Pending | 10/08/2026 |
| 73518 | Erection of four dwellings together with associated access and infrastructure Land off Wells Street and Back Wells Street, Bury, BL9 0TU | 4 | £920,000 | Pending | 07/08/2026 |
Deal intelligence
Key schemes
in Bury.
Indicative appraisals of the largest residential schemes in the Bury planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £23.1M in combined GDV across 104 units, with indicative capital stacks for each.
Demolition & New Build Awaiting decision
Land adjacent to Bealey Industrial Estate, Dumers Lane
£18.6M
Estimated GDV
Units
77
GDV / Unit
£242k
Build Cost (Range)
£9.7M–£12.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £230,000 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 | £18.6M |
| Construction (5,236 sqm @ £2,100/sqm mid) | −£11.0M |
| Externals, fees & contingency | −£3.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.1M |
| Developer profit target (17.5% on GDV) | −£3.3M |
| 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.
Permitted Development Conversion Awaiting decision
78-80 Church Street West, Radcliffe
£2.3M
Estimated GDV
Units
18
GDV / Unit
£129k
Build Cost (Range)
£1.3M–£1.7M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £128,500. 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 | £2.3M |
| Construction (1,134 sqm @ £1,300/sqm mid) | −£1.5M |
| Externals, fees & contingency | −£399k |
| Finance (65% LTGDV, 18m) & sales costs | −£229k |
| Developer profit target (17.5% on GDV) | −£405k |
| Implied residual land value | Marginal |
Broker insight: Conversion schemes under Permitted Development rights can complete faster with refurbishment finance at up to 70% LTV. Bridging loans can secure the acquisition in 7-14 days while the full facility is arranged.
Small-Scale Development Awaiting decision
Land at Hazel Hall Lane, Ramsbottom
£2.2M
Estimated GDV
Units
9
GDV / Unit
£242k
Build Cost (Range)
£1.6M–£2.0M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £230,000 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 | £2.2M |
| Construction (855 sqm @ £2,100/sqm mid) | −£1.8M |
| Externals, fees & contingency | −£477k |
| Finance (65% LTGDV, 12m) & sales costs | −£180k |
| Developer profit target (17.5% on GDV) | −£380k |
| Implied residual land value | Marginal |
Broker insight: For a 9-unit scheme in Bury, we would typically structure senior debt at 60-65% LTGDV with mezzanine available to reduce equity to as little as 10%. Run an appraisal to model your returns.
Appraisal assumptions
- GDV: HM Land Registry blended median of £230,000 plus a 5% new-build premium (assumed).
- Build cost: £1,850-£2,350/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 Bury.
2,914 residential transactions in the last twelve months. Median sold price £230,000 (-0.3% YoY). 42 new-build transactions with a +30.4% premium over existing stock.
Detached
£375,000
Semi-Detached
£265,000
Terraced
£180,250
Flat
£128,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Jul 2026 | 62, BAILEY STREETM25 1HQ | Terraced | £235,000 | Freehold |
| 24 Jul 2026 | 41, BOUNDARY DRIVEBL2 6SE | Semi-Detached | £257,000 | Freehold |
| 24 Jul 2026 | 24, GREYWOOD AVENUEBL9 7QY | Terraced | £181,000 | Freehold |
| 22 Jul 2026 | 63, MILTON ROADM25 1PU | Semi-Detached | £315,000 | Freehold |
| 21 Jul 2026 | 52, HEATHERSIDE ROADBL0 9BX | Detached | £400,000 | Freehold |
| 20 Jul 2026 | 61, HIGHFIELD ROADM25 3AS | Semi-Detached | £322,100 | Freehold |
| 20 Jul 2026 | 3, APOLLO AVENUEBL9 8HG | Semi-Detached | £300,000 | Freehold |
| 20 Jul 2026 | 17, HEYS ROADM25 1JZ | Semi-Detached | £350,000 | Freehold |
| 17 Jul 2026 | 27, KENILWORTH AVENUEM45 6TG | Semi-Detached | £180,000 | Freehold |
| 17 Jul 2026 | 4, MASEFIELD AVENUEM26 3GZ | Terraced | £197,500 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Bury Council 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 Bury deals.
Typical pricing for bridging finance in Bury. 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, Bury
An indicative appraisal for a nine-unit residential scheme priced at Bury'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
£2,504,000
Loan Amount
£1,628,000
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 Bury
— answered.
How active is the development pipeline in Bury?
The Bury Council planning register currently shows 15 residential applications awaiting decision in Bury, together proposing 33 units — the largest single scheme proposes 9 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
Bury Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £230,000, 2,914 sales, -0.3% YoY. Greater Manchester county.
6 min read
Greater Manchester Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
10 towns analysed. Median price £215,500, 40,390 transactions, +1.6% YoY.
Recent deals
Property finance deals
in Bury, Greater Manchester.
Real schemes we have structured for developers in Bury, Greater Manchester. 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 Bury 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
Bury,
Greater Manchester.
Adjacent products
Other services
in Bury.
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