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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
- £460,000
- Sales (12m)
- 1,379
- YoY change
- +2.2%
- Pipeline units
- 388
- Pipeline GDV
- £172.2M
Planning pipeline
Planning activity
in Winchester.
74 residential applications awaiting decision
·28 units in pipeline·£13.0M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01618/FUL | Demolition of existing dwelling and double garage followed by the erection of a … The Lakehouse Ladycroft Alresford Hampshire SO24 0RG | - | - | Pending | 05/08/2026 |
| 26/01544/LDP | Internal Alterations to sub-divide the building. Three Minsters House 76 High Street Winchester Hampshire SO23 8UL | - | - | Pending | 28/07/2026 |
| 26/01535/FUL | Erection of a 3 bed detached, two storey dwelling, with associated on site parki… Viewlands Lockhams Road Curdridge Southampton Hampshire SO32 2BD | - | - | Pending | 27/07/2026 |
| 26/01494/LDP | Amalgamation of two dwellings: the proposal seeks to confirm that this does not … 3 Vokes Cottages Down Farm Lane Headbourne Worthy Winchester Hampshire SO23 7LA | 2 | £920,000 | Pending | 20/07/2026 |
| 26/01486/LDP | a 4m rear and 2x side extensions. Broom Copse Farm Spiers Lane New Alresford Alresford Hampshire SO24 9TY | - | - | Pending | 20/07/2026 |
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 £9.7M in combined GDV across 20 units, with indicative capital stacks for each.
Residential Development Awaiting decision
Kings Worthy Court London Road Kings Worthy Hampshire
£6.8M
Estimated GDV
Units
14
GDV / Unit
£483k
Build Cost (Range)
£2.7M–£3.4M
Residual Land Value
£1.1M
GDV estimated from the HM Land Registry blended median of £460,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £1,070,000 (£76k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £6.8M |
| Construction (1,190 sqm @ £2,550/sqm mid) | −£3.0M |
| Externals, fees & contingency | −£805k |
| Finance (65% LTGDV, 18m) & sales costs | −£669k |
| Developer profit target (17.5% on GDV) | −£1.2M |
| Implied residual land value | £1.1M |
Broker insight: For a 14-unit scheme in Winchester, 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
Dickenson House 28 Bereweeke Road Winchester Hampshire SO22 6AJ
£1.4M
Estimated GDV
Units
3
GDV / Unit
£483k
Build Cost (Range)
£641k–£812k
Residual Land Value
£154k
GDV estimated from the HM Land Registry blended median of £460,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £154,000 (£51k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £1.4M |
| Construction (285 sqm @ £2,550/sqm mid) | −£727k |
| Externals, fees & contingency | −£193k |
| Finance (65% LTGDV, 12m) & sales costs | −£121k |
| Developer profit target (17.5% on GDV) | −£254k |
| Implied residual land value | £154k |
Broker insight: For a 3-unit scheme in Winchester, 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.
Demolition & New Build Awaiting decision
Four Dells Bungalow Poles Lane Otterbourne Winchester Hampshire SO21 2DY
£1.4M
Estimated GDV
Units
3
GDV / Unit
£483k
Build Cost (Range)
£641k–£812k
Residual Land Value
£154k
GDV estimated from the HM Land Registry blended median of £460,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £154,000 (£51k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £1.4M |
| Construction (285 sqm @ £2,550/sqm mid) | −£727k |
| Externals, fees & contingency | −£193k |
| Finance (65% LTGDV, 12m) & sales costs | −£121k |
| Developer profit target (17.5% on GDV) | −£254k |
| Implied residual land value | £154k |
Broker insight: For a 3-unit scheme in Winchester, 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 blended median of £460,000 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) × 85 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 Winchester.
1,379 residential transactions in the last twelve months. Median sold price £460,000 (+2.2% YoY). 23 new-build transactions with a -24% premium over existing stock.
Detached
£650,000
Semi-Detached
£416,000
Terraced
£375,000
Flat
£237,750
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 30 Jun 2026 | 6, BUTTERMERE GARDENSSO24 9NN | Detached | £799,950 | Freehold |
| 26 Jun 2026 | 19, BURITON ROADSO22 6JE | Detached | £610,000 | Freehold |
| 22 Jun 2026 | MOUNT COTTAGE, LITTLE SHORE LANESO32 1ED | Detached | £608,000 | Freehold |
| 20 Jun 2026 | 55, TEG DOWN MEADSSO22 5NG | Semi-Detached | £575,000 | Freehold |
| 19 Jun 2026 | 34, WESLEY ROADSO23 7PX | Terraced | £318,000 | Freehold |
| 19 Jun 2026 | 16, BELL HOUSE, HEADLEY CLOSESO24 9XE | Terraced | £199,950 | Freehold |
| 19 Jun 2026 | FLOWERDEWS, BEREWEEKE AVENUESO22 6EP | Detached | £798,000 | Freehold |
| 19 Jun 2026 | 60, MIDDLE BROOK STREETSO23 8DQ | Terraced | £604,000 | Freehold |
| 18 Jun 2026 | 23, OLD KENNELS LANESO22 4JP | Detached | £705,000 | Freehold |
| 18 Jun 2026 | 38, ARBOUR COURTPO15 7FG | Flat | £179,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Winchester 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 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
£3,931,000
Loan Amount
£2,555,000
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 74 residential applications awaiting decision in Winchester, together proposing 28 units — the largest single scheme proposes 14 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, End of H1 2026
Median price £460,000, 1,384 sales, +2.2% 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 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