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Southampton, Hampshire
Bridging Finance
in Southampton
Expert bridging finance for property developers in Southampton. We connect you with competitive funding from our panel of 100+ lenders.
Southampton, Hampshire
Bridging Finance
in Southampton.
Live market data
Southampton
market snapshot.
HM Land Registry sold-price data for Southampton over the last twelve months, cross-referenced with local planning pipeline. Updated weekly.
- Median price
- £250,000
- Sales (12m)
- 2,560
- YoY change
- -2.3%
- Approved (12m)
- 0
- Pipeline units
- 27
- Pipeline GDV
- £4.4M
Planning pipeline
Planning activity
in Southampton.
0 approved (12m)
·6 pending
·27 units in pipeline·£4.4M estimated GDV·0% approval rateCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00487/DIS | Application for approval of details reserved by condition 3 (Foul and surface wa… 52 - 54 Waterloo Road Southampton SO15 3BE | 7 | £1.1M | Pending | 27/04/2026 |
| 26/00490/PA56 | Permitted Development Assessment - Prior Approval sought for a change of use of … 72 - 74 Anglesea Road Southampton SO15 5QS | 6 | £954,798 | Pending | 27/04/2026 |
| 26/00488/FUL | Change of use from former office space (class E) to 3no. Short Term / holiday le… 28 - 30 Chapel Road Southampton SO14 5GL | - | - | Pending | 27/04/2026 |
| 26/00480/FUL | Change of use from a dwelling house to an assisted living dwelling for 4 no. you… 8 Thorness Close Southampton SO16 9JE | 1 | £249,000 | Pending | 24/04/2026 |
| 26/00462/PA56 | Prior Approval sought for a change of use of the first and second floor from Com… 150 - 152 High Street Southampton SO14 2BT | 7 | £1.1M | Pending | 21/04/2026 |
Deal intelligence
Key schemes
in Southampton.
Financial analysis of the largest approved planning applications in Southampton, Hampshire. These 2 schemes represent £2.2M in combined GDV across 14 units, with indicative capital stacks for each.
Small-Scale Development
52 - 54 Waterloo Road Southampton SO15 3BE
£1.1M
Estimated GDV
Units
7
GDV / Unit
£159k
Est. Build Cost
£501k
Est. Profit on GDV
47.0%
At £159k per unit, this scheme prices 36% below the Southampton median of £250,000. Calculate GDV
Broker insight: For a 7-unit scheme in Southampton, 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.
Permitted Development Conversion
150 - 152 High Street Southampton SO14 2BT
£1.1M
Estimated GDV
Units
7
GDV / Unit
£159k
Est. Build Cost
£390k
Est. Profit on GDV
57.0%
At £159k per unit, this scheme prices 36% below the Southampton median of £250,000. Calculate GDV
Broker insight: Conversion schemes under Permitted Development rights can complete faster with refurbishment finance at up to 70% LTV. Bridging loans can secure the acquisition in 7-14 days while the full facility is arranged.
Land Registry data
Recent property sales
in Southampton.
2,560 residential transactions in the last twelve months. Median sold price £250,000 (-2.3% YoY). 2 new-build transactions with a % premium over existing stock.
Detached
£385,000
Semi-Detached
£300,000
Terraced
£260,000
Flat
£158,537
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Mar 2026 | 91, WATERLOO ROADSO15 3BS | Semi-Detached | £310,000 | Freehold |
| 26 Mar 2026 | FLAT 4, LOWMANS HOUSE, 78, PORTSWOOD ROADSO17 2FB | Flat | £127,500 | Leasehold |
| 26 Mar 2026 | FLAT 105, 25, LATIMER STREETSO14 3EP | Flat | £65,000 | Leasehold |
| 26 Mar 2026 | 89, WATERLOO ROADSO15 3BS | Semi-Detached | £300,000 | Freehold |
| 25 Mar 2026 | 133, LUDLOW ROADSO19 2ER | Terraced | £285,000 | Freehold |
| 25 Mar 2026 | 49, MERRIDALE ROADSO19 7AB | Detached | £267,000 | Freehold |
| 24 Mar 2026 | 3, HEATH ROADSO19 2QF | Detached | £315,000 | Freehold |
| 24 Mar 2026 | FLAT 4, RICHARDS COURT, YARMOUTH GARDENSSO15 5SE | Flat | £126,000 | Leasehold |
| 20 Mar 2026 | FLAT 7, HUNTER COURT, YARMOUTH GARDENSSO15 5SG | Flat | £115,200 | Leasehold |
| 20 Mar 2026 | 40, ONIBURY ROADSO18 2DD | Detached | £258,000 | Freehold |
Indicative terms
Bridging Finance rates
for Southampton deals.
Typical pricing for bridging finance in Southampton. 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.
Development Project in Southampton
A property development project in Southampton requiring structured finance.
GDV
£3,000,000
Loan Amount
£2,000,000
LTV
65% LTGDV
Loan Type
Development Finance
Representative only. Actual terms vary based on scheme specifics and are issued after underwriting.
Common questions
Bridging Finance in Southampton
— answered.
Market intelligence
Local market
reports.
5 min read
Southampton Property Market: House Prices, Sold Data & Development Finance (2026)
Median price £248,250, 2,506 sales, -2.6% YoY. Hampshire county.
5 min read
Hampshire Property Market: Prices, Trends & Development Finance (2026)
10 towns analysed. Median price £342,500, 13,543 transactions, -2% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Southampton 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
Southampton,
Hampshire.
Adjacent products
Other services
in Southampton.
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