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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
- £250,000
- Sales (12m)
- 3,622
- YoY change
- -2%
- Approved (recent)
- 349
- Pipeline units
- 659
- Pipeline GDV
- £118.0M
Planning pipeline
Planning activity
in Southampton.
349 approved (last 12 months)
·114 pending
·659 units in pipeline·£118.0M estimated GDV·89% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00606/FUL | Renewal of temporary Planning Permission reference 24/01207/FUL for use of site … Former Olleco Site, Royal Crescent Road, Southampton, SO14 3TT | - | - | Approved | 13/08/2026 |
| 26/00414/FUL | Implementation of planning permission 22/01383/FUL not in accordance with condit… Basement and part Ground Floor 35 - 41 London Road Southampton SO15 2AD | - | - | Approved | 10/06/2026 |
| 25/01089/FUL | Erection of a temporary single storey warehouse building for use as storage and … 10 Princes Street Southampton SO14 5RP | - | - | Approved | 01/06/2026 |
| 26/00057/FUL | Temporary permission for 1 year to vary opening hours of the bar premises to 08:… 3 - 4 Vernon Walk Southampton SO15 2EJ | - | - | Approved | 20/03/2026 |
| 26/00073/FUL | Installation of 2 storage containers and replacement of boundary fence and gates… 24 Victoria Road Southampton SO19 9DX | - | - | Approved | 11/03/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01073/FUL | Erection of a part 2-storey, part single storey, side/rear and front extension w… 27 Mill Road Southampton SO15 4JB | - | - | Pending | 24/09/2026 |
| 26/01061/FUL | Erection of single storey side and rear extension to incorporate converted exist… 5B Alexandra Road Southampton SO15 5DH | - | - | Pending | 22/09/2026 |
| 26/01053/FUL | Part-retrospective application for replacement external glazing to the Laborator… Southampton General Hospital Tremona Road Southampton SO16 6YD | - | - | Pending | 17/09/2026 |
| 26/00950/FUL | Installation of accessible ramp and steps 32 Burnham Chase Southampton SO18 5DF | - | - | Pending | 16/09/2026 |
| 26/00872/FUL | Installation of racking for external storage up to 5.5m high Builders Yard Travis Perkins Albert Road North Southampton | - | - | Pending | 15/09/2026 |
Deal intelligence
Key schemes
in Southampton.
Indicative appraisals of the largest residential schemes in the Southampton planning pipeline. These 3 schemes represent an estimated £53.9M in combined GDV across 313 units, with indicative capital stacks for each.
Demolition & New Build Approved
Mercury Point 20 Duke Street Southampton
£43.2M
Estimated GDV
Units
250
GDV / Unit
£173k
Build Cost (Range)
£35.4M–£44.9M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £160,000 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 | £43.2M |
| Construction (15,750 sqm @ £2,550/sqm mid) | −£40.2M |
| Externals, fees & contingency | −£11.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£5.0M |
| Developer profit target (17.5% on GDV) | −£7.6M |
| Implied residual land value | Marginal |
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
Horseshoe Park Horseshoe Bridge Southampton
£8.1M
Estimated GDV
Units
47
GDV / Unit
£173k
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 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 | £8.1M |
| Construction (2,961 sqm @ £2,550/sqm mid) | −£7.6M |
| Externals, fees & contingency | −£2.0M |
| Finance (65% LTGDV, 18m) & sales costs | −£803k |
| Developer profit target (17.5% on GDV) | −£1.4M |
| 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 Approved
1-2 Portland Street and 67 Above Bar Street Southampton
£2.6M
Estimated GDV
Units
16
GDV / Unit
£160k
Build Cost (Range)
£1.4M–£1.8M
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 | £2.6M |
| Construction (1,008 sqm @ £1,580/sqm mid) | −£1.6M |
| Externals, fees & contingency | −£430k |
| Finance (65% LTGDV, 18m) & sales costs | −£254k |
| Developer profit target (17.5% on GDV) | −£448k |
| Implied residual land value | Marginal |
Broker insight: For a 16-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 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) × 63 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 Southampton.
3,622 residential transactions in the last twelve months. Median sold price £250,000 (-2% YoY). 16 new-build transactions with a +8% premium over existing stock.
Detached
£380,000
Semi-Detached
£300,000
Terraced
£260,000
Flat
£160,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jul 2026 | 50, ABERDEEN ROADSO17 2LN | Terraced | £315,000 | Leasehold |
| 29 Jul 2026 | FLAT 33, HOME SPINNEY HOUSE, RIVER VIEW ROADSO18 1UD | Flat | £81,000 | Leasehold |
| 27 Jul 2026 | 32, HAWKHURST CLOSESO19 9AW | Terraced | £257,000 | Freehold |
| 24 Jul 2026 | 4, HANDEL ROADSO15 2BW | Detached | £570,000 | Freehold |
| 24 Jul 2026 | 24, CAERLEON DRIVESO19 5LF | Semi-Detached | £335,000 | Freehold |
| 24 Jul 2026 | 104, BRACKLESHAM CLOSESO19 8RX | Terraced | £214,000 | Leasehold |
| 24 Jul 2026 | 42, BEAULIEU CLOSESO16 8ED | Semi-Detached | £325,000 | Freehold |
| 23 Jul 2026 | 29, LEDBURY HOUSE, JOHN THORNYCROFT ROADSO19 9SY | Flat | £148,000 | Leasehold |
| 23 Jul 2026 | 7, STEUART ROADSO18 1AJ | Semi-Detached | £308,500 | Freehold |
| 23 Jul 2026 | 12, WELLINGTON ROADSO18 1NE | Semi-Detached | £377,500 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Southampton City 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 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
£2,916,000
Loan Amount
£1,895,000
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 114 residential applications awaiting decision in Southampton, together proposing 183 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, Q3 2026 Edition
Median price £250,000, 3,622 sales, -2% YoY. Hampshire county.
6 min read
Hampshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
10 towns analysed. Median price £350,875, 20,651 transactions, -0.1% 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