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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, alongside the live local planning pipeline. Updated weekly.
- Median price
- £255,000
- Sales (12m)
- 2,316
- YoY change
- +2%
- Approved (recent)
- 285
- Pipeline units
- 692
- Pipeline GDV
- £145.4M
Planning pipeline
Planning activity
in Southampton.
20 approved (last 3 months)
·73 pending
·143 units in pipeline·£26.6M estimated GDV·100% approval rate (last 3 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00622/FUL | Installation of front door to first floor flat. 28 St James Road Southampton SO15 5FG | - | - | Approved | 29/05/2026 |
| 26/00613/FUL | Installation 2x condenser units and new shop front (Submitted in conjunction wit… 5 - 7 Gordon Buildings Shirley High Street Southampton SO15 3LS | - | - | Approved | 27/05/2026 |
| 26/00602/FUL | Replacement front windows. 66 Rockstone Lane Southampton SO14 6JA | - | - | Approved | 26/05/2026 |
| 26/00603/LBC | Listed building consent for sought for conversion of office into 5 flats (1x2-be… 11 Portland Street Southampton | 5 | £800,000 | Approved | 26/05/2026 |
| 26/00586/FUL | Installation of bin store wall adjacent to Gibbs Road 1 Guildhall Square Southampton | - | - | Approved | 21/05/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00935/PA56 | Prior Approval sought for a change of use of the ground floor from Commercial, B… 161 Woodmill Lane Southampton SO18 2PG | 2 | £320,000 | Pending | 12/08/2026 |
| 26/00924/FUL | Single storey rear extension 208 Middle Road Southampton SO19 8PG | - | - | Pending | 10/08/2026 |
| 26/00921/PA56 | Prior Approval sought for a change of use of the second floor from Commercial, B… Second Floor 31 Carlton Place Southampton SO15 2DX | - | - | Pending | 10/08/2026 |
| 26/00862/FUL | Erection of one additional 4th floor to facilitate conversion of building from o… 4 Bellevue Road Southampton | 19 | £4.8M | Pending | 07/08/2026 |
| 26/00919/FUL | Installation of replacement windows and doors Cranbury Towers 35 Onslow Road Southampton | - | - | Pending | 07/08/2026 |
Deal intelligence
Key schemes
in Southampton.
Indicative appraisals of the largest residential schemes in the Southampton planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £12.5M in combined GDV across 73 units, with indicative capital stacks for each.
Residential Development Awaiting decision
Horseshoe Park Horseshoe Bridge Southampton
£7.7M
Estimated GDV
Units
47
GDV / Unit
£163k
Build Cost (Range)
£6.7M–£8.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £160,000 plus a 2% 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 | £7.7M |
| Construction (2,961 sqm @ £2,550/sqm mid) | −£7.6M |
| Externals, fees & contingency | −£2.0M |
| Finance (65% LTGDV, 18m) & sales costs | −£759k |
| Developer profit target (17.5% on GDV) | −£1.3M |
| Implied residual land value | Marginal |
Broker insight: For a 47-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.
Residential Development Awaiting decision
4 Bellevue Road Southampton
£3.0M
Estimated GDV
Units
19
GDV / Unit
£160k
Build Cost (Range)
£1.7M–£2.1M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £160,000. 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 | £3.0M |
| Construction (1,197 sqm @ £1,580/sqm mid) | −£1.9M |
| Externals, fees & contingency | −£511k |
| Finance (65% LTGDV, 18m) & sales costs | −£300k |
| Developer profit target (17.5% on GDV) | −£532k |
| Implied residual land value | Marginal |
Broker insight: For a 19-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.
Small-Scale Development Awaiting decision
17 Malvern Road Southampton SO16 6PZ
£1.8M
Estimated GDV
Units
7
GDV / Unit
£255k
Build Cost (Range)
£931k–£1.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £255,000. 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 | £1.8M |
| Construction (665 sqm @ £1,580/sqm mid) | −£1.1M |
| Externals, fees & contingency | −£284k |
| Finance (65% LTGDV, 12m) & sales costs | −£148k |
| Developer profit target (17.5% on GDV) | −£312k |
| Implied residual land value | Marginal |
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.
Appraisal assumptions
- GDV: HM Land Registry flat median of £160,000 plus a 2% 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) × 63 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 Southampton.
2,316 residential transactions in the last twelve months. Median sold price £255,000 (+2% YoY). 5 new-build transactions with a +2% premium over existing stock.
Detached
£380,000
Semi-Detached
£300,000
Terraced
£260,000
Flat
£160,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Jun 2026 | 13, BLYTH CLOSESO16 9PR | Flat | £146,000 | Leasehold |
| 23 Jun 2026 | 88, TICONDEROGA GARDENSSO19 9HD | Terraced | £245,000 | Leasehold |
| 23 Jun 2026 | 2, CHAPEL CRESCENTSO19 8JW | Terraced | £233,750 | Freehold |
| 22 Jun 2026 | 25, GLEBE COURTSO17 1RH | Flat | £247,000 | Leasehold |
| 19 Jun 2026 | 22, CHARLES KNOTT GARDENSSO15 2TF | Terraced | £300,000 | Freehold |
| 19 Jun 2026 | 38, BARONS MEADSO16 9TB | Terraced | £260,000 | Freehold |
| 19 Jun 2026 | 74, IMPERIAL AVENUESO15 8PX | Terraced | £242,500 | Freehold |
| 19 Jun 2026 | 29, BATH ROADSO19 5ES | Terraced | £305,000 | Freehold |
| 19 Jun 2026 | FLAT 7, OAKLEY HOUSE, COURT ROADSO15 2JR | Flat | £122,500 | Leasehold |
| 18 Jun 2026 | 9, BOURNE ROADSO15 3AB | Flat | £220,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Southampton City 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 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.
Illustrative 9-Unit Scheme, Southampton
An indicative appraisal for a nine-unit residential scheme priced at Southampton'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
£2,754,000
Loan Amount
£1,790,000
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 Southampton
— answered.
How active is the development pipeline in Southampton?
The Southampton City Council planning register currently shows 73 residential applications awaiting decision in Southampton, together proposing 132 units — the largest single scheme proposes 47 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
Southampton Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £250,000, 2,683 sales, -2% 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 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