Andover, Hampshire
Bridging Finance
in Andover
Expert bridging finance for property developers in Andover. We connect you with competitive funding from our panel of 100+ lenders.
Andover, Hampshire
Bridging Finance
in Andover.
Live market data
Andover
market snapshot.
HM Land Registry sold-price data for Andover over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £350,000
- Sales (12m)
- 1,420
- YoY change
- -4.1%
- Pipeline units
- 4,676
- Pipeline GDV
- £1628.6M
Planning pipeline
Planning activity
in Andover.
8 residential applications awaiting decision
·108 units in pipeline·£37.8M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01476/PDQN | Application to determine if prior approval is required for a proposed change of … Agricultural Barn East Of Manor Farm Down Road Kimpton Hampshire | 3 | £1.1M | Pending | 09/07/2026 |
| 26/01458/PIPN | Application for permission in principle for construction of 4-6 dwellings with a… Land Adjacent To Hillside Cottages Cocum Road Barton Stacey Winchester Hampshire SO21 3RJ | 6 | £2.1M | Pending | 07/07/2026 |
| 26/01427/FULLN | Erection of 4 dwellings, including 1 accessible dwelling for C2/C3 use (resident… Land To The Rear Of Greenacre Walworth Road Picket Piece Andover Hampshire SP11 6LY | 4 | £1.4M | Pending | 02/07/2026 |
| 26/01397/FULLS | Conversion of agricultural building (with extant consent for a Use Class C3 dwel… Beaters Barn Kimbridge Farm Kimbridge Lane Kimbridge Romsey Hampshire SO51 0LE | 1 | £350,000 | Pending | 30/06/2026 |
| 26/01382/VARS | Variation of Condition 2 (Approved plans) of 25/01575/FULLS - (Erection of 2 dwe… Land To The South Of Southern View And Broad Oak Sandy Lane Abbotswood Romsey Hampshire SO51 0PD | 2 | £700,000 | Pending | 29/06/2026 |
Deal intelligence
Key schemes
in Andover.
Indicative appraisals of the largest residential schemes in the Andover planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £36.7M in combined GDV across 97 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land At Crawley Hill Crawley Hill West Wellow Hampshire
£19.3M
Estimated GDV
Units
51
GDV / Unit
£378k
Build Cost (Range)
£7.8M–£9.9M
Residual Land Value
£2.3M
GDV estimated from the HM Land Registry blended median of £350,000 plus a 8% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £2,251,000 (£44k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £19.3M |
| Construction (3,468 sqm @ £2,550/sqm mid) | −£8.8M |
| Externals, fees & contingency | −£2.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.2M |
| Developer profit target (17.5% on GDV) | −£3.4M |
| Implied residual land value | £2.3M |
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.
Residential Development Awaiting decision
Land South Of Hoe Lane North Baddesley Hampshire
£15.1M
Estimated GDV
Units
40
GDV / Unit
£378k
Build Cost (Range)
£6.1M–£7.8M
Residual Land Value
£2.2M
GDV estimated from the HM Land Registry blended median of £350,000 plus a 8% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £2,203,000 (£55k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £15.1M |
| Construction (2,720 sqm @ £2,550/sqm mid) | −£6.9M |
| Externals, fees & contingency | −£1.8M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.5M |
| Developer profit target (17.5% on GDV) | −£2.6M |
| Implied residual land value | £2.2M |
Broker insight: For a 40-unit scheme in Andover, 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.
Small-Scale Development Awaiting decision
Land Adjacent To Hillside Cottages Cocum Road Barton Stacey Winchester Hampshire SO21 3RJ
£2.3M
Estimated GDV
Units
6
GDV / Unit
£378k
Build Cost (Range)
£1.3M–£1.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £350,000 plus a 8% new-build premium (measured locally). 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 (570 sqm @ £2,550/sqm mid) | −£1.5M |
| Externals, fees & contingency | −£385k |
| Finance (65% LTGDV, 12m) & sales costs | −£188k |
| Developer profit target (17.5% on GDV) | −£397k |
| Implied residual land value | Marginal |
Broker insight: For a 6-unit scheme in Andover, 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 £350,000 plus a 8% new-build premium (measured locally).
- Build cost: £2,250-£2,850/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 Andover.
1,420 residential transactions in the last twelve months. Median sold price £350,000 (-4.1% YoY). 6 new-build transactions with a +8% premium over existing stock.
Detached
£565,000
Semi-Detached
£345,000
Terraced
£290,000
Flat
£179,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 25 Jun 2026 | 34, ROMNEY ROADSP11 6GH | Semi-Detached | £335,000 | Freehold |
| 24 Jun 2026 | 43, COACHWAYSSP10 2SJ | Terraced | £260,000 | Freehold |
| 23 Jun 2026 | 34, HODINOTT CLOSESO51 0BB | Detached | £822,500 | Freehold |
| 22 Jun 2026 | 59, SOUTH VIEW GARDENSSP10 2AQ | Detached | £477,500 | Freehold |
| 19 Jun 2026 | 17, BYNG WALKSP10 1PR | Semi-Detached | £215,000 | Freehold |
| 18 Jun 2026 | 278, PILGRIMS WAYSP10 5HX | Terraced | £210,000 | Freehold |
| 17 Jun 2026 | 42, AVON CRESCENTSO51 5PY | Semi-Detached | £282,000 | Freehold |
| 15 Jun 2026 | 95, LAUNCELOT CLOSESP10 4BY | Terraced | £220,000 | Freehold |
| 12 Jun 2026 | 26, ROBERTS ROADSO21 3RY | Semi-Detached | £330,000 | Freehold |
| 12 Jun 2026 | 12, KINGFISHERSSP9 7US | Semi-Detached | £330,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Test Valley Borough Council planning register, retrieved August 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 Andover deals.
Typical pricing for bridging finance in Andover. 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, Andover
An indicative appraisal for a nine-unit residential scheme priced at Andover'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
£3,353,000
Loan Amount
£2,179,000
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 Andover
— answered.
How active is the development pipeline in Andover?
The Test Valley Borough Council planning register currently shows 8 residential applications awaiting decision in Andover, together proposing 108 units — the largest single scheme proposes 51 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
Andover Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £350,000, 1,471 sales, -4.1% YoY. Hampshire county.
5 min read
Hampshire Property Market: Prices, Trends & Development Finance, End of H1 2026
10 towns analysed. Median price £346,500, 14,700 transactions, -0.4% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Andover 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
Andover,
Hampshire.
Adjacent products
Other services
in Andover.
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
Nearby markets