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Manchester, Greater Manchester
Bridging Finance
in Manchester
Expert bridging finance for property developers in Manchester. We connect you with competitive funding from our panel of 100+ lenders.
Manchester, Greater Manchester
Bridging Finance
in Manchester.
Live market data
Manchester
market snapshot.
HM Land Registry sold-price data for Manchester over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £245,000
- Sales (12m)
- 6,320
- YoY change
- Flat
- Approved (recent)
- 97
- Pipeline units
- 2,726
- Pipeline GDV
- £619.0M
Planning pipeline
Planning activity
in Manchester.
97 approved (last 12 months)
·117 pending
·2,726 units in pipeline·£619.0M estimated GDV·69% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 143452/FO/2025 | Change of use from care home (Class C2) to primary school (Class F1), with minor… 69 Crumpsall Lane, Manchester, M8 5SR | - | - | Pending | 04/09/2026 |
| 144711/FO/2025 | Change of Use of existing buildings to create 3no. self-contained flats (C3a) wi… 366 Dickenson Road , Manchester, M13 0NG | - | - | Pending | 27/08/2026 |
| PLA-2026-000471 | Listed Building Consent for internal and external works associated with change o… Marlsboro House, 52-54 Newton Street , Manchester, M1 1ED | - | - | Pending | 20/08/2026 |
| PLA-2026-000266 | Change of use to bar and music venue / recording studio and sound engineering ro… Marlsboro House, 52-54 Newton Street, Manchester, M1 1ED | - | - | Pending | 20/08/2026 |
| 144745/FO/2025 | Elevational alterations to shopfront in association with the subdivision of the … 452 Cheetham Hill Road , Manchester, M8 9LE | - | - | Pending | 13/08/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| PLA-2026-001152 | Replacement of external cladding to match existing, and installation of 5no. doc… Unit 2, 2 Stainburn Road, Manchester, M11 2QA | - | - | Pending | 03/09/2026 |
| PLA-2026-001479 | Refurbishment and extension of the existing block of apartments to deliver a net… 105 - 111 Egerton Road, Manchester, M14 6RD | - | - | Pending | 28/08/2026 |
| 145598/FO/2026 | Erection of 8 two-and-half storey dwellings including car parking, landscaping a… St Georges Residential Home , Abbey Hey Lane, Manchester, M18 8RB | - | - | Pending | 28/08/2026 |
| 144833/OO/2025 | Outline application for the erection of an exhibition centre (F1 use) with acces… Land At 158 Cheetham Hill Road, Manchester, M8 8LQ | - | - | Pending | 24/08/2026 |
| PLA-2026-000185 | Change of use to a 7 bed HMO ( sui generis use). 60 Hathersage Road, Manchester, M13 0FN | - | - | Pending | 21/08/2026 |
Deal intelligence
Key schemes
in Manchester.
Indicative appraisals of the largest residential schemes in the Manchester planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £278.0M in combined GDV across 1,118 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Former Riverpark Trading Estate, Riverpark Road
£128.1M
Estimated GDV
Units
498
GDV / Unit
£257k
Build Cost (Range)
£62.6M–£79.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £245,000 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 | £128.1M |
| Construction (33,864 sqm @ £2,100/sqm mid) | −£71.1M |
| Externals, fees & contingency | −£20.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£14.7M |
| Developer profit target (17.5% on GDV) | −£22.4M |
| 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.
Demolition & New Build Awaiting decision
Sparkle Street, Manchester
£92.4M
Estimated GDV
Units
359
GDV / Unit
£257k
Build Cost (Range)
£61.0M–£77.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £245,000 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 | £92.4M |
| Construction (24,412 sqm @ £2,840/sqm mid) | −£69.3M |
| Externals, fees & contingency | −£20.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.6M |
| Developer profit target (17.5% on GDV) | −£16.2M |
| 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
Boulton House, 17 - 21 Chorlton Street
£57.6M
Estimated GDV
Units
261
GDV / Unit
£221k
Build Cost (Range)
£30.4M–£38.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £210,000 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 | £57.6M |
| Construction (16,443 sqm @ £2,100/sqm mid) | −£34.5M |
| Externals, fees & contingency | −£10.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£6.6M |
| Developer profit target (17.5% on GDV) | −£10.1M |
| 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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £245,000 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 Manchester.
6,320 residential transactions in the last twelve months. Median sold price £245,000. 364 new-build transactions with a +36.3% premium over existing stock.
Detached
£391,000
Semi-Detached
£300,000
Terraced
£232,000
Flat
£210,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 30 Jul 2026 | 26, THIRLMERE ROADM22 1NB | Terraced | £198,000 | Freehold |
| 29 Jul 2026 | 51, DUNNISHER ROADM23 2ZL | Semi-Detached | £330,000 | Freehold |
| 28 Jul 2026 | FLAT 11, BEECH HOUSE, 2, LAURISTON CLOSEM22 4TZ | Flat | £160,000 | Leasehold |
| 27 Jul 2026 | 4, HARROW AVENUEM19 1PF | Semi-Detached | £275,000 | Freehold |
| 24 Jul 2026 | FLAT 904, 141, CHESTER ROADM15 4ZF | Flat | £267,500 | Leasehold |
| 24 Jul 2026 | 29, KENSINGTON ROADM21 9GH | Terraced | £490,000 | Freehold |
| 24 Jul 2026 | 28, MILLAIS STREETM40 9JX | Terraced | £155,000 | Freehold |
| 24 Jul 2026 | 13, MARYLON DRIVEM22 4WF | Semi-Detached | £430,000 | Freehold |
| 24 Jul 2026 | 50, BURNAGE HALL ROADM19 2JL | Semi-Detached | £230,000 | Leasehold |
| 24 Jul 2026 | 57, EDILOM ROADM8 4HY | Semi-Detached | £315,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Manchester City 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 Manchester deals.
Typical pricing for bridging finance in Manchester. 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, Manchester
An indicative appraisal for a nine-unit residential scheme priced at Manchester'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
£2,835,000
Loan Amount
£1,843,000
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 Manchester
— answered.
How active is the development pipeline in Manchester?
The Manchester City Council planning register currently shows 117 residential applications awaiting decision in Manchester, together proposing 2,298 units — the largest single scheme proposes 498 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
Manchester Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £245,000, 6,320 sales, 0% 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 Manchester, Greater Manchester.
Real schemes we have structured for developers in Manchester, 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 Manchester 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
Manchester,
Greater Manchester.
Adjacent products
Other services
in Manchester.
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