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Greater Manchester

Oldham
development finance.

Expert property development finance in Oldham, Greater Manchester. Median price £199,950, 1,977 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Oldham dealOr call +44 20 3816 3693
Median price
£200k
Sales (12m)
1,977
YoY change
+5.2%
Manchester city centre aerial view at daytime

Oldham, Greater Manchester

Property finance
in Oldham.

Oldham - pennine fringe town with town centre masterplan and growing residential demand. With a median property price of £199,950 and 1,977 transactions in the last twelve months, Oldham represents a healthy market with prices up 5.2% year-on-year.

Detached homes command a median of £375,000 while flats average £140,625, reflecting the breadth of Oldham's residential market. New-build activity is notable, with 21 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 Oldham and the wider Greater Manchester area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Oldham Property Market ReportGreater Manchester County Market Report

The capital stack

Seven funding routes for
every Oldham scheme.

Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Oldham 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 Oldham

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 Oldham

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 Oldham

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 Oldham

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

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

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

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

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 Oldham

Live market data

Oldham
market snapshot.

HM Land Registry sold-price data for Oldham over the last twelve months, cross-referenced with local planning pipeline. Updated weekly.

Median price
£199,950
Sales (12m)
1,977
YoY change
+5.2%
Approved (12m)
0
Pipeline units
2
Pipeline GDV
£395,000

Oldham development appraisal

Model the numbers
for your scheme.

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

£
£
£
%

Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →

Capital Structure

Total Cost£1,039,155
Senior Debt (65% LTGDV)£925,275
Equity Required£113,880
Interest (18m)£104,093
Profit on Cost24.5%
Senior Debt£925,275
Equity£113,880
Get Terms for This Scheme

Land Registry data

Recent property sales
in Oldham.

1,977 residential transactions in the last twelve months. Median sold price £199,950 (+5.2% YoY). 21 new-build transactions with a +66.7% premium over existing stock.

Detached

£375,000

Semi-Detached

£237,250

Terraced

£160,000

Flat

£140,625

DateAddressTypePrice
29 Apr 2026238, HIGH BARN ROADOL2 6RRDetached£422,500
27 Apr 2026833, MIDDLETON ROADOL9 0LWSemi-Detached£193,000
24 Apr 20265, WESTMINSTER AVENUEOL2 5XYSemi-Detached£205,000
24 Apr 202612, STIRLING STREETOL9 6LUTerraced£135,000
24 Apr 20265, ARKLE DRIVEOL9 0NDDetached£350,000
20 Apr 202664, ST PHILLIPS DRIVEOL2 6AEFlat£110,000
17 Apr 202614, KESWICK AVENUEOL9 9JGSemi-Detached£225,000
17 Apr 202624, SELKIRK ROADOL9 8ABTerraced£225,000
17 Apr 20269, WALKERS COURTOL4 4QXTerraced£147,858
17 Apr 20265, KEW ROADOL4 1QBTerraced£120,000

Planning pipeline

Planning activity
in Oldham.

0 approved (12m)
·
1 pending
·2 units in pipeline·£395,000 estimated GDV·0% approval rate

Current Applications

RefProposalUnitsEst. GDVStatus
PIP/356320/26

Permission in Principle for up to 2 dwellings.

Land Adjacent To 38 Dobcross New Road Dobcross Oldham OL3 5AY

2£395,000Pending

Common questions

Property finance in Oldham
— answered.

What is the average property price in Oldham?
The median property price in Oldham is £199,950, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £375,000, semi-detached properties at £237,250, terraced houses at £160,000, flats at £140,625.
Is Oldham a good area for property development?
Oldham recorded 1,977 property transactions in the last 12 months, with prices up 5.2% year-on-year - suggesting sustained buyer demand. Pennine fringe town with town centre masterplan and growing residential demand. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Oldham?
We arrange the full range of property development finance in Oldham: 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 Oldham?
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 Oldham?
Development finance rates for Oldham projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £1.4M, 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

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

7 min read read

Refurbishment Finance vs Development Finance: Which Fits Your Project?

7 min read read

First-Time Property Developer's Guide to Finance

12 min read read
View all guides

Recent deals

Property finance deals
in Greater Manchester.

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

Ground-Up Development

12-Unit Residential Scheme

Structured senior debt for a ground-up residential scheme in South Manchester. Planning secured for 12 apartments across two blocks.

GDV
£3.2M
Leverage
65% LTGDV
View all case studies

Where we fund

Oldham,
Greater Manchester.

Nearby markets

Adjacent towns
we also fund.

Manchester

Median · £245,000

UK's fastest-growing city with major BTR pipeline, NOMA and Ancoats regeneration, and two university campuses

Salford

Median · £225,000

MediaCityUK anchor driving Salford Quays and Crescent waterfront residential development

Stockport

Median · £305,000

Mayoral Development Corporation transforming town centre with major mixed-use regeneration

Bolton

Median · £190,000

Former mill town with town centre regeneration and affordable development opportunities

Rochdale

Median · £190,000

Metrolink-connected town with riverside regeneration and affordable values

Bury

Median · £229,000

Northern GM town with famous market, Metrolink connectivity, and family housing demand

Ready when you are

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

Submit your development finance enquiry in Oldham 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