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Winchester, Hampshire
Bridging Finance
in Winchester
Expert bridging finance for property developers in Winchester. We connect you with competitive funding from our panel of 100+ lenders.
Winchester, Hampshire
Bridging Finance
in Winchester.
Live market data
Winchester
market snapshot.
HM Land Registry sold-price data for Winchester over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £455,000
- Sales (12m)
- 1,998
- YoY change
- +1.7%
- Approved (recent)
- 239
- Pipeline units
- 630
- Pipeline GDV
- £278.8M
Planning pipeline
Planning activity
in Winchester.
239 approved (last 12 months)
·136 pending
·630 units in pipeline·£278.8M estimated GDV·86% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01112/TPC | T1 - Sycamore - Reduce lateral branches away from power line. 2 metre reduction … 48 Wykeham Field Wickham Fareham Hampshire PO17 5AD | - | - | Pending | 07/09/2026 |
| 26/01161/OHL | Southern Electric Power Distribution (SEPD) our ref 26000887 - FDE899 Hampshire … Land Opposite - Overhead Lines Crowhurst Kennels Sutton Wood Lane Bighton Hampshire | - | - | Pending | 03/06/2026 |
| 26/00407/TPC | Tree works as detailed in J1504 04 TCS St Pauls House 20260202 within the ground… St Pauls Church St Pauls Hill Winchester Hampshire SO22 5AB | - | - | Pending | 06/05/2026 |
| 25/01985/FUL | Proposed replacement self build dwelling and detached garage outbuilding, includ… Swallowfield Manor Road Durley Southampton Hampshire SO32 2AF | - | - | Pending | 30/09/2025 |
| 25/01969/FUL | Agricultural building to provide housing for cattle Pyles Farm House Kidmore Lane Denmead Waterlooville Hampshire PO7 6JX | - | - | Pending | 29/09/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01941/PNRCOU | Change of Use of Existing Office Building to 10 Residential Units (Class C3) wit… Ovarro House Parklands Business Park Forest Road Denmead Waterlooville Hampshire PO7 6XP | 10 | £4.5M | Pending | 18/09/2026 |
| 26/01896/FUL | Replacement of greenhouse on existing brick plinth on land to the north-east of … Street Record The Close Winchester Hampshire | - | - | Pending | 11/09/2026 |
| 26/01874/FUL | New external timber framed Cruck Tent with roof covering and roll down sides. Ne… The Wykeham Arms 75 Kingsgate Street Winchester Hampshire SO23 9PE | - | - | Pending | 09/09/2026 |
| 26/01886/FUL | Proposed erection of two changing room lodges. Denmead Bowling Club Ashling Park Road Denmead Waterlooville Hampshire PO7 6EH | - | - | Pending | 09/09/2026 |
| 26/01872/FUL | Change of Use from College Staff House ( dwelling ) to College office accommodat… 10 College Street Winchester Hampshire SO23 9LX | 1 | £455,000 | Pending | 08/09/2026 |
Deal intelligence
Key schemes
in Winchester.
Indicative appraisals of the largest residential schemes in the Winchester planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £153.4M in combined GDV across 321 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land To The West Of Courtenay Road Winchester Hampshire
£73.1M
Estimated GDV
Units
153
GDV / Unit
£478k
Build Cost (Range)
£23.4M–£29.7M
Residual Land Value
£17.6M
GDV estimated from the HM Land Registry blended median of £455,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £17,591,000 (£115k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £73.1M |
| Construction (10,404 sqm @ £2,550/sqm mid) | −£26.5M |
| Externals, fees & contingency | −£7.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.4M |
| Developer profit target (17.5% on GDV) | −£12.8M |
| Implied residual land value | £17.6M |
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.
Major Residential Development Awaiting decision
Berewood Phase 1 Hambledon Road Denmead Hampshire
£44.0M
Estimated GDV
Units
92
GDV / Unit
£478k
Build Cost (Range)
£14.1M–£17.8M
Residual Land Value
£10.6M
GDV estimated from the HM Land Registry blended median of £455,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £10,577,000 (£115k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £44.0M |
| Construction (6,256 sqm @ £2,550/sqm mid) | −£16.0M |
| Externals, fees & contingency | −£4.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£5.0M |
| Developer profit target (17.5% on GDV) | −£7.7M |
| Implied residual land value | £10.6M |
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.
Major Residential Development Awaiting decision
Fields Rear Of Cranbourne Drive Otterbourne Hampshire
£36.3M
Estimated GDV
Units
76
GDV / Unit
£478k
Build Cost (Range)
£11.6M–£14.7M
Residual Land Value
£8.7M
GDV estimated from the HM Land Registry blended median of £455,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £8,738,000 (£115k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £36.3M |
| Construction (5,168 sqm @ £2,550/sqm mid) | −£13.2M |
| Externals, fees & contingency | −£3.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£4.2M |
| Developer profit target (17.5% on GDV) | −£6.4M |
| Implied residual land value | £8.7M |
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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £455,000 plus a 5% new-build premium (assumed).
- 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 Winchester.
1,998 residential transactions in the last twelve months. Median sold price £455,000 (+1.7% YoY). 107 new-build transactions with a -10.9% premium over existing stock.
Detached
£645,000
Semi-Detached
£410,000
Terraced
£374,999
Flat
£231,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 28 Jul 2026 | 82, BOUNDARY WALKPO17 5GB | Terraced | £350,000 | Freehold |
| 28 Jul 2026 | 7, MORE PLACESO22 6BX | Semi-Detached | £480,000 | Freehold |
| 27 Jul 2026 | 114A, CHRISTCHURCH ROADSO23 9TG | Semi-Detached | £920,000 | Freehold |
| 26 Jul 2026 | 23, CHURCHILL CLOSESO23 7PD | Semi-Detached | £540,000 | Freehold |
| 24 Jul 2026 | 3, PARKWOOD PLACESO22 6FB | Flat | £417,500 | Leasehold |
| 24 Jul 2026 | 2, THE TITHEPO7 6XU | Detached | £488,000 | Freehold |
| 24 Jul 2026 | 5, MAPLE RISEPO15 7GT | Terraced | £333,000 | Freehold |
| 24 Jul 2026 | 12, NUNS ROADSO23 7EF | Semi-Detached | £905,000 | Freehold |
| 23 Jul 2026 | 6, LITTLE GREENPO7 6GB | Semi-Detached | £295,000 | Freehold |
| 21 Jul 2026 | BRAEBURN COTTAGE, 5, ORCHARD DEANSO24 9DE | Terraced | £599,950 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Winchester 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 Winchester deals.
Typical pricing for bridging finance in Winchester. 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, Winchester
An indicative appraisal for a nine-unit residential scheme priced at Winchester'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
£3,875,000
Loan Amount
£2,519,000
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 Winchester
— answered.
How active is the development pipeline in Winchester?
The Winchester City Council planning register currently shows 136 residential applications awaiting decision in Winchester, together proposing 353 units — the largest single scheme proposes 153 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
Winchester Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £455,000, 1,998 sales, +1.7% 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 Winchester 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
Winchester,
Hampshire.
Adjacent products
Other services
in Winchester.
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