- Home
- Locations
- Greater Manchester
- Oldham
- Bridging Finance
Oldham, Greater Manchester
Bridging Finance
in Oldham
Expert bridging finance for property developers in Oldham. We connect you with competitive funding from our panel of 100+ lenders.
Oldham, Greater Manchester
Bridging Finance
in Oldham.
Live market data
Oldham
market snapshot.
HM Land Registry sold-price data for Oldham over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £198,150
- Sales (12m)
- 2,949
- YoY change
- +4.3%
- Approved (recent)
- 88
- Pipeline units
- 307
- Pipeline GDV
- £60.5M
Planning pipeline
Planning activity
in Oldham.
88 approved (last 12 months)
·43 pending
·307 units in pipeline·£60.5M estimated GDV·89% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| PIP/355286/25 | Permission in Principle for residential development of 4 dwellings. Land To The Rear Of 694 Huddersfield Road Lees Oldham OL4 3PZ | 4 | £792,600 | Pending | |
| FUL/355259/25 | Change of use of existing outbuilding to create one dwellinghouse and erection o… The Firs Vale Lane Failsworth Oldham M35 9WG | 1 | £198,150 | Pending | |
| FUL/355251/25 | Erection of a part two storey side extension and first floor extension, loft con… 5 & 7 Parkgate Chadderton Oldham OL9 0AW | 6 | £839,970 | Pending | |
| FUL/355235/25 | Erection of a first floor extension with front and rear dormers and change of us… 487 Manchester Road Oldham OL8 3RB | 4 | £792,600 | Pending | |
| OUT/355240/25 | Outline application with all matters reserved for the proposed erection of 1 no.… Land Adjacent To 10 Broadbent Road Oldham OL1 4HU | 1 | £198,150 | Pending |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| FUL/355159/25 | Change of use from dwellinghouse (Use Class C3) to a House in Multiple Occupatio… 3 Clydesdale Street Oldham OL8 1BT | 1 | £198,150 | Pending | |
| FUL/355289/25 | Change of use from offices to 6 no. residential apartments and erection of a two… Heyside House Blackshaw Lane Royton Oldham OL2 6NS | 6 | £839,970 | Pending | |
| FUL/355282/25 | Residential development comprising of 12 No flats. 13 - 21 Brown Edge Road Oldham OL4 5QQ | 12 | £1.7M | Pending | |
| FUL/355268/25 | Change of use of 9 holiday lodges to C3 residential lodges. Moorlands Caravan Park Ripponden Road Denshaw Oldham OL3 5UN | 1 | £198,150 | Pending | |
| FUL/355201/25 | Erection of residential development units with associated access, parking, ameni… Land At Southlink Oldham | - | - | Pending |
Deal intelligence
Key schemes
in Oldham.
Indicative appraisals of the largest residential schemes in the Oldham planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £16.7M in combined GDV across 81 units, with indicative capital stacks for each.
Residential Development Awaiting decision
Land South Of Ashton Road Woodhouses Oldham
£8.5M
Estimated GDV
Units
41
GDV / Unit
£208k
Build Cost (Range)
£5.2M–£6.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £198,150 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 | £8.5M |
| Construction (2,788 sqm @ £2,100/sqm mid) | −£5.9M |
| Externals, fees & contingency | −£1.6M |
| Finance (65% LTGDV, 18m) & sales costs | −£845k |
| Developer profit target (17.5% on GDV) | −£1.5M |
| Implied residual land value | Marginal |
Broker insight: For a 41-unit scheme in Oldham, 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.
Demolition & New Build Awaiting decision
Wall Hill Mill Wall Hill Road Dobcross Oldham OL3 5BW
£5.4M
Estimated GDV
Units
26
GDV / Unit
£208k
Build Cost (Range)
£4.1M–£5.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £198,150 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 | £5.4M |
| Construction (2,210 sqm @ £2,100/sqm mid) | −£4.6M |
| Externals, fees & contingency | −£1.2M |
| Finance (65% LTGDV, 18m) & sales costs | −£535k |
| Developer profit target (17.5% on GDV) | −£947k |
| Implied residual land value | Marginal |
Broker insight: For a 26-unit scheme in Oldham, 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.
Residential Development Awaiting decision
11-13 Coalshaw Green Road Chadderton Oldham OL9 8JW
£2.8M
Estimated GDV
Units
14
GDV / Unit
£198k
Build Cost (Range)
£1.4M–£1.7M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £198,150. 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 | £2.8M |
| Construction (1,190 sqm @ £1,300/sqm mid) | −£1.5M |
| Externals, fees & contingency | −£419k |
| Finance (65% LTGDV, 18m) & sales costs | −£274k |
| Developer profit target (17.5% on GDV) | −£485k |
| Implied residual land value | Marginal |
Broker insight: For a 14-unit scheme in Oldham, 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 £198,150 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 10%, 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 18 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 Oldham.
2,949 residential transactions in the last twelve months. Median sold price £198,150 (+4.3% YoY). 42 new-build transactions with a +127.4% premium over existing stock.
Detached
£375,000
Semi-Detached
£236,000
Terraced
£160,000
Flat
£139,995
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jul 2026 | 19, QUEEN STREETM35 0HA | Detached | £165,000 | Leasehold |
| 24 Jul 2026 | 138A, BROADWAYOL9 0AD | Semi-Detached | £180,000 | Leasehold |
| 24 Jul 2026 | 127, KELVERLOW STREETOL4 1LY | Terraced | £148,000 | Leasehold |
| 24 Jul 2026 | 44, HOWGILL CRESCENTOL8 3WA | Detached | £325,000 | Leasehold |
| 24 Jul 2026 | 125, OXFORD STREETOL9 7SJ | Terraced | £155,000 | Leasehold |
| 24 Jul 2026 | 10, LONDON ROADOL1 4AA | Semi-Detached | £225,000 | Leasehold |
| 23 Jul 2026 | 10, CLIFTON CRESCENTOL2 6JF | Semi-Detached | £220,000 | Leasehold |
| 23 Jul 2026 | 21, CHARTER STREETOL1 3RQ | Terraced | £145,100 | Leasehold |
| 23 Jul 2026 | 126, ROCHDALE ROADOL2 6QF | Terraced | £175,000 | Leasehold |
| 20 Jul 2026 | 8, CLARENCE STREETOL2 6LR | Terraced | £220,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Oldham Metropolitan Borough 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 Oldham deals.
Typical pricing for bridging finance in Oldham. 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, Oldham
An indicative appraisal for a nine-unit residential scheme priced at Oldham'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
£2,230,000
Loan Amount
£1,450,000
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 Oldham
— answered.
How active is the development pipeline in Oldham?
The Oldham Metropolitan Borough Council planning register currently shows 43 residential applications awaiting decision in Oldham, together proposing 92 units — the largest single scheme proposes 26 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
Oldham Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £198,150, 2,949 sales, +4.3% 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 Oldham, Greater Manchester.
Real schemes we have structured for developers in Oldham, 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 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.
Where we fund
Oldham,
Greater Manchester.
Adjacent products
Other services
in Oldham.
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