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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
- £442,000
- Sales (12m)
- 1,559
- YoY change
- +0.5%
- Approved (recent)
- 307
- Pipeline units
- 1,583
- Pipeline GDV
- £704.8M
Planning pipeline
Planning activity
in Hemel Hempstead.
29 approved (last 3 months)
·81 pending
·51 units in pipeline·£23.8M estimated GDV·100% approval rate (last 3 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01192/LBC | Single storey rear extension 12 Leighton Buzzard Road Water End Hemel Hempstead Hertfordshire HP1 3BH | - | - | Pending | 28/05/2026 |
| 26/01171/FUL | Change of use of second floor 2 bedroom flat to office space. Friarswood Chipperfield Road Kings Langley Hertfordshire | 2 | £504,000 | Pending | 26/05/2026 |
| 26/01176/LDP | Construction of a single-storey outbuilding The Firs Megg Lane Chipperfield Kings Langley Hertfordshire WD4 9JN | - | - | Pending | 26/05/2026 |
| 26/01152/LDP | Construction of new rear garden building 14 Nathaniel Walk Tring Hertfordshire HP23 5DQ | - | - | Pending | 21/05/2026 |
| 26/01124/LDP | Internal and external alterations to the existing dwelling, including internal l… Rose Cottage 11 Bulbourne Road Bulbourne Tring Hertfordshire HP23 5QE | - | - | Pending | 19/05/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01757/FUL | Erection of a two-storey, three-bedroom dwelling, including associated landscapi… 14 Belswains Lane Hemel Hempstead Hertfordshire HP3 9PN | - | - | Pending | 12/08/2026 |
| 26/01743/FUL | Construction of a new single storey dwelling Land Adjoining Cyrita Hogpits Bottom Flaunden Hertfordshire | - | - | Pending | 11/08/2026 |
| 26/01745/FUL | Removal of slope. Construct retaining wall. Construction of brick walls to outer… 23 Abbots Rise Kings Langley Hertfordshire WD4 8AR | - | - | Pending | 11/08/2026 |
| 26/01742/LDP | Existing single storey garage proposed change of use to Study / play Room with l… 2 Rumballs Road Hemel Hempstead Hertfordshire HP3 8JF | - | - | Pending | 10/08/2026 |
| 26/01739/FUL | Development to provide 8 x two bedroom apartments Woodriding Sheethanger Lane Felden Hemel Hempstead Hertfordshire HP3 0BG | 8 | £2.0M | Pending | 07/08/2026 |
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 £9.4M in combined GDV across 17 units, with indicative capital stacks for each.
Small-Scale Development Awaiting decision
Tuffs Farm Tower Hill Chipperfield Kings Langley Hertfordshire WD4 9LW
£4.5M
Estimated GDV
Units
9
GDV / Unit
£501k
Build Cost (Range)
£1.9M–£2.4M
Residual Land Value
£586k
GDV estimated from the HM Land Registry blended median of £442,000 plus a 13.3% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £586,000 (£65k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £4.5M |
| Construction (855 sqm @ £2,550/sqm mid) | −£2.2M |
| Externals, fees & contingency | −£578k |
| Finance (65% LTGDV, 12m) & sales costs | −£374k |
| Developer profit target (17.5% on GDV) | −£789k |
| Implied residual land value | £586k |
Broker insight: For a 9-unit scheme in Hemel Hempstead, 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
65 High Street Markyate St Albans Hertfordshire AL3 8PJ
£2.7M
Estimated GDV
Units
3
GDV / Unit
£902k
Build Cost (Range)
£837k–£1.1M
Residual Land Value
£807k
GDV estimated from the HM Land Registry detached house median of £796,250 plus a 13.3% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £807,000 (£269k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £2.7M |
| Construction (372 sqm @ £2,550/sqm mid) | −£949k |
| Externals, fees & contingency | −£251k |
| Finance (65% LTGDV, 12m) & sales costs | −£225k |
| Developer profit target (17.5% on GDV) | −£474k |
| Implied residual land value | £807k |
Broker insight: For a 3-unit scheme in Hemel Hempstead, 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
Marchants Farm Pudds Cross Bovingdon Hemel Hempstead Hertfordshire HP3 0NJ
£2.2M
Estimated GDV
Units
5
GDV / Unit
£442k
Build Cost (Range)
£665k–£841k
Residual Land Value
£686k
GDV estimated from the HM Land Registry blended median of £442,000. At benchmark build costs, the implied residual land value is £686,000 (£137k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £2.2M |
| Construction (475 sqm @ £1,580/sqm mid) | −£751k |
| Externals, fees & contingency | −£203k |
| Finance (65% LTGDV, 12m) & sales costs | −£183k |
| Developer profit target (17.5% on GDV) | −£387k |
| Implied residual land value | £686k |
Broker insight: For a 5-unit scheme in Hemel Hempstead, 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 £442,000 plus a 13.3% 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) × 95 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 12 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.
1,559 residential transactions in the last twelve months. Median sold price £442,000 (+0.5% YoY). 5 new-build transactions with a +13.3% premium over existing stock.
Detached
£796,250
Semi-Detached
£534,500
Terraced
£412,250
Flat
£252,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 23 Jun 2026 | 63, OKELEY LANEHP23 4HB | Terraced | £420,000 | Freehold |
| 22 Jun 2026 | 4, WOODLANDS AVENUEHP4 2JH | Semi-Detached | £742,500 | Freehold |
| 19 Jun 2026 | 3, GRYMSDYKE ROADHP23 6ET | Semi-Detached | £440,000 | Freehold |
| 19 Jun 2026 | 3, STRATFORD WAYHP3 9AS | Semi-Detached | £575,000 | Freehold |
| 19 Jun 2026 | 24, GARLAND CLOSEHP2 5HU | Terraced | £411,500 | Freehold |
| 19 Jun 2026 | 26, THE FURLONGHP23 6BX | Flat | £270,000 | Leasehold |
| 19 Jun 2026 | 6, GREAT ELMS ROADHP3 9TJ | Semi-Detached | £256,000 | Freehold |
| 19 Jun 2026 | 2, LOWER SALESHP1 2AH | Terraced | £435,000 | Freehold |
| 19 Jun 2026 | 10, COOMBE GARDENSHP4 3PA | Semi-Detached | £549,000 | Freehold |
| 18 Jun 2026 | 55, DUNDALE ROADHP23 5BU | Detached | £730,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Dacorum Borough 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 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
£5,450,000
Loan Amount
£3,543,000
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 81 residential applications awaiting decision in Hemel Hempstead, together proposing 49 units — the largest single scheme proposes 9 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, End of H1 2026
Median price £450,000, 1,604 sales, +2.3% YoY. Hertfordshire county.
6 min read
Hertfordshire Property Market: Prices, Trends & Development Finance, End of H1 2026
10 towns analysed. Median price £450,000, 6,843 transactions, +1.4% 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