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Hampshire

Portsmouth
development finance.

Expert property development finance in Portsmouth, Hampshire. Median price £250,000, 1,938 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Portsmouth dealOr call +44 20 3816 3693
Median price
£250k
Sales (12m)
1,938
YoY change
0%
Southampton waterfront with boats

Portsmouth, Hampshire

Property finance
in Portsmouth.

Portsmouth - naval city with waterfront development opportunities and strong rental demand from military personnel. With a median property price of £250,000 and 1,938 transactions in the last twelve months, Portsmouth represents a healthy market.

Detached homes command a median of £500,000 while flats average £165,500, reflecting the breadth of Portsmouth's residential market. Terraced houses sit at £258,750, offering developers a range of scheme types from conversions to ground-up residential.

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 Portsmouth and the wider Hampshire area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Portsmouth Property Market ReportHampshire County Market Report

The capital stack

Seven funding routes for
every Portsmouth scheme.

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

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 Portsmouth

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 Portsmouth

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 Portsmouth

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

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

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

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

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 Portsmouth

Live market data

Portsmouth
market snapshot.

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

Median price
£250,000
Sales (12m)
1,938
YoY change
+0%
Approved (12m)
0
Pipeline units
109
Pipeline GDV
£26.8M

Portsmouth development appraisal

Model the numbers
for your scheme.

Pre-populated with Portsmouth 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 Portsmouth 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£1,445,400
Senior Debt (65% LTGDV)£1,287,000
Equity Required£158,400
Interest (18m)£144,788
Profit on Cost24.5%
Senior Debt£1,287,000
Equity£158,400
Get Terms for This Scheme

Land Registry data

Recent property sales
in Portsmouth.

1,938 residential transactions in the last twelve months. Median sold price £250,000

Detached

£500,000

Semi-Detached

£330,000

Terraced

£258,750

Flat

£165,500

DateAddressTypePrice
27 Apr 20262, ST JOSEPHS MEWSPO5 1HSTerraced£210,000
27 Apr 202625, MOUSEHOLE ROADPO6 4JLSemi-Detached£330,000
27 Apr 202651, ALVERSTONE ROADPO4 8RPTerraced£260,000
27 Apr 202639, CYPRUS ROADPO2 7QATerraced£163,000
27 Apr 2026140, CLIVE ROADPO1 5JPTerraced£150,000
24 Apr 202638, WIMBORNE ROADPO4 8DETerraced£440,000
24 Apr 202621, RINGWOOD ROADPO4 9JJTerraced£247,500
24 Apr 202621, BRAMPTON LANEPO3 5TBSemi-Detached£245,056
24 Apr 20266, FOXLEY DRIVEPO3 5TGSemi-Detached£325,000
24 Apr 2026178, ST AUGUSTINE ROADPO4 9AETerraced£269,000

Planning pipeline

Planning activity
in Portsmouth.

0 approved (12m)
·
37 pending
·109 units in pipeline·£26.8M estimated GDV·0% approval rate

Current Applications

RefProposalUnitsEst. GDVStatus
26/00496/FUL

Change of use from five bedroom House in Multiple Occupation (Class C4), to eigh…

38 Manners Road Southsea PO4 0BB

--Pending
26/00486/FUL

Change of use from dwellinghouse (Class C3), to seven bedroom/seven person House…

135 Kirby Road Portsmouth PO2 0PX

1£254,750Pending
26/00472/FUL

Change of use from House in Multiple Occupation (Class C4), to 7 bedroom/ 7 pers…

16 Tottenham Road Portsmouth PO1 1QL

--Pending
26/00463/FUL

Change of use from house in Multiple Occupation (Class C4) to seven person/seven…

3 Lawson Road Southsea PO5 1SD

--Pending
26/00443/FUL

Change of use of upper floor flat (Class C3) to house in multiple occupation (Cl…

140B Lake Road Portsmouth PO1 4HH

--Pending

Common questions

Property finance in Portsmouth
— answered.

What is the average property price in Portsmouth?
The median property price in Portsmouth is £250,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £500,000, semi-detached properties at £330,000, terraced houses at £258,750, flats at £165,500.
Is Portsmouth a good area for property development?
Portsmouth recorded 1,938 property transactions in the last 12 months. Naval city with waterfront development opportunities and strong rental demand from military personnel. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Portsmouth?
We arrange the full range of property development finance in Portsmouth: 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 Portsmouth?
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 Portsmouth?
Development finance rates for Portsmouth projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £2.0M, 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.

Hidden Arrangement Fees in Development Finance: What Lenders Don't Tell You

9 min read read

Insurance Requirements in Development Finance: Costs You Can't Avoid

9 min read read

Building Control Fees and Development Finance: Satisfying Lender Requirements

9 min read read

Development Exit Finance: Avoiding Default When Sales Are Slow

12 min read read
View all guides

Where we fund

Portsmouth,
Hampshire.

Nearby markets

Adjacent towns
we also fund.

Southampton

Median · £250,000

Port city with major waterfront regeneration and growing student population from two universities

Winchester

Median · £460,000

Historic cathedral city commanding premium values with conservation area development opportunities

Basingstoke

Median · £372,000

M3 corridor commercial hub with corporate headquarters presence and growing residential demand

Andover

Median · £350,000

Army garrison town with steady housing demand and development land availability

Farnborough

Median · £360,000

Defence and aviation hub with commercial property demand and Blackwater Valley growth

Eastleigh

Median · £331,000

Southampton overspill town with good rail links and growing town centre regeneration

Ready when you are

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

Submit your development finance enquiry in Portsmouth 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