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Hemel Hempstead, Hertfordshire
Bridging Finance
in Hemel Hempstead
Expert bridging finance for property developers in Hemel Hempstead. We connect you with competitive funding from our panel of 100+ lenders.
Hemel Hempstead, Hertfordshire
Bridging Finance
in Hemel Hempstead.
Live market data
Hemel Hempstead
market snapshot.
HM Land Registry sold-price data for Hemel Hempstead over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £445,000
- Sales (12m)
- 2,208
- YoY change
- +1.1%
- Approved (recent)
- 374
- Pipeline units
- 2,722
- Pipeline GDV
- £1197.4M
Planning pipeline
Planning activity
in Hemel Hempstead.
374 approved (last 12 months)
·125 pending
·2,722 units in pipeline·£1197.4M estimated GDV·79% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/02436/LBC | Installation of 3 external air conditioning units, fencing and trellises includi… 222 High Street Berkhamsted Hertfordshire HP4 1AG | - | - | Pending | 30/09/2025 |
| 25/02424/LDP | Conversion of garage and loft into habitable spaces including front and rear sky… 71 Bridgewater Road Berkhamsted Hertfordshire HP4 1JB | - | - | Pending | 30/09/2025 |
| 25/02416/LBC | Conversion of existing farm buildings to 2 residential dwellings (9 and 10 The B… 9 The Barns Hemel Hempstead Hertfordshire HP3 8DB | 2 | £890,000 | Pending | 29/09/2025 |
| 25/02415/RET | Conversion of existing farm buildings to 2 residential dwellings (9 and 10 The B… 9 The Barns Hemel Hempstead Hertfordshire HP3 8DB | 2 | £890,000 | Pending | 29/09/2025 |
| 25/02412/FUL | Proposed construction of a detached habitable ancillary annexe for use by family… Gubblecote Farm Cottage Wingrave Road Gubblecote Tring Hertfordshire HP23 4QG | - | - | Pending | 29/09/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/02079/FUL | Glazed extension to provide additional gym/studio space and reconfiguration of e… Champneys Health Resort Chesham Road Wigginton Hertfordshire HP23 6HY | - | - | Pending | 25/09/2026 |
| 26/02080/FUL | Use of former industrial commercial building (B2) to use as ancillary tap room (… The Tring Brewery Company Ltd Unit 2 Dunsley Farm London Road Tring Hertfordshire HP23 6HA | - | - | Pending | 25/09/2026 |
| 26/02050/FUL | Alterations to shop front Our Garden Room 221 High Street Berkhamsted Hertfordshire HP4 1AD | - | - | Pending | 23/09/2026 |
| 26/02065/FUL | Provision of a fourth bedroom and new front window to approved chalet bungalow (… 34 Christchurch Road Tring Hertfordshire HP23 4EF | - | - | Pending | 23/09/2026 |
| 26/02058/FUL | Change of use of land to residential garden land associated with Mossy Bank Land At Marlin End Berkhamsted Hertfordshire | 1 | £445,000 | Pending | 22/09/2026 |
Deal intelligence
Key schemes
in Hemel Hempstead.
Indicative appraisals of the largest residential schemes in the Hemel Hempstead planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £549.5M in combined GDV across 1,176 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
LA3, Land At West Hemel Hempstead
£211.2M
Estimated GDV
Units
452
GDV / Unit
£467k
Build Cost (Range)
£69.2M–£87.6M
Residual Land Value
£48.6M
GDV estimated from the HM Land Registry blended median of £445,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £48,595,000 (£108k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £211.2M |
| Construction (30,736 sqm @ £2,550/sqm mid) | −£78.4M |
| Externals, fees & contingency | −£23.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£24.2M |
| Developer profit target (17.5% on GDV) | −£37.0M |
| Implied residual land value | £48.6M |
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
Land At Bulbourne Road Grove Road Tring Hertfordshire
£186.9M
Estimated GDV
Units
400
GDV / Unit
£467k
Build Cost (Range)
£61.2M–£77.5M
Residual Land Value
£43.0M
GDV estimated from the HM Land Registry blended median of £445,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £43,004,000 (£108k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £186.9M |
| Construction (27,200 sqm @ £2,550/sqm mid) | −£69.4M |
| Externals, fees & contingency | −£20.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£21.5M |
| Developer profit target (17.5% on GDV) | −£32.7M |
| Implied residual land value | £43.0M |
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
Spencer's Park Phase 2 East Land Between Three Cherry Trees Lane And Cherry Tree Lane Hemel Hempstead
£151.4M
Estimated GDV
Units
324
GDV / Unit
£467k
Build Cost (Range)
£49.6M–£62.8M
Residual Land Value
£34.8M
GDV estimated from the HM Land Registry blended median of £445,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £34,832,000 (£108k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £151.4M |
| Construction (22,032 sqm @ £2,550/sqm mid) | −£56.2M |
| Externals, fees & contingency | −£16.5M |
| Finance (65% LTGDV, 24m) & sales costs | −£17.4M |
| Developer profit target (17.5% on GDV) | −£26.5M |
| Implied residual land value | £34.8M |
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 £445,000 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 Hemel Hempstead.
2,208 residential transactions in the last twelve months. Median sold price £445,000 (+1.1% YoY). 9 new-build transactions with a +68.2% premium over existing stock.
Detached
£795,000
Semi-Detached
£534,000
Terraced
£410,000
Flat
£248,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jul 2026 | 129, GEORGE STREETHP4 2EJ | Terraced | £425,000 | Freehold |
| 27 Jul 2026 | 4, MITCHELL CLOSEHP3 0RU | Semi-Detached | £470,000 | Freehold |
| 27 Jul 2026 | 12, BROADCROFTHP2 5YX | Terraced | £412,500 | Freehold |
| 27 Jul 2026 | 11, THE LAWNSHP1 2TF | Terraced | £275,000 | Freehold |
| 24 Jul 2026 | 1, CRAIGAVON ROADHP2 6AZ | Terraced | £430,000 | Freehold |
| 24 Jul 2026 | GREEN BLOOM HOUSE, 2, GREEN BLOOMS, FLAUNDEN LANEHP3 0PA | Detached | £500,000 | Freehold |
| 24 Jul 2026 | 15, STRONSAY CLOSEHP3 8TD | Terraced | £390,000 | Freehold |
| 24 Jul 2026 | 1, THISTLE CLOSEHP1 2DE | Semi-Detached | £330,000 | Freehold |
| 23 Jul 2026 | 40, ALBERT STREETHP23 6AU | Semi-Detached | £630,000 | Freehold |
| 23 Jul 2026 | 100, CLAYMOREHP2 6LW | Flat | £127,500 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Dacorum Borough 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 Hemel Hempstead deals.
Typical pricing for bridging finance in Hemel Hempstead. 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, Hemel Hempstead
An indicative appraisal for a nine-unit residential scheme priced at Hemel Hempstead'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
£5,046,000
Loan Amount
£3,280,000
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 Hemel Hempstead
— answered.
How active is the development pipeline in Hemel Hempstead?
The Dacorum Borough Council planning register currently shows 125 residential applications awaiting decision in Hemel Hempstead, together proposing 786 units — the largest single scheme proposes 230 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
Hemel Hempstead Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £445,000, 2,208 sales, +1.1% YoY. Hertfordshire county.
6 min read
Hertfordshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
10 towns analysed. Median price £445,000, 9,539 transactions, +0.6% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Hemel Hempstead 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
Hemel Hempstead,
Hertfordshire.
Adjacent products
Other services
in Hemel Hempstead.
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