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St Albans, Hertfordshire
Bridging Finance
in St Albans
Expert bridging finance for property developers in St Albans. We connect you with competitive funding from our panel of 100+ lenders.
St Albans, Hertfordshire
Bridging Finance
in St Albans.
Live market data
St Albans
market snapshot.
HM Land Registry sold-price data for St Albans over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £585,000
- Sales (12m)
- 1,623
- YoY change
- +1.7%
- Approved (recent)
- 98
- Pipeline units
- 3,920
- Pipeline GDV
- £2203.4M
Planning pipeline
Planning activity
in St Albans.
98 approved (last 12 months)
·99 pending
·3,920 units in pipeline·£2203.4M estimated GDV·65% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 5/2026/1289 | Single storey rear-infill extension to single dwelling house. at 8 Rosedale Clos… 8 Rosedale Close Bricket Wood Hertfordshire AL2 3XE | 1 | £585,000 | Approved | 24/09/2026 |
| 5/2026/1275 | Notice of application to discharge planning obligation - Biodiversity onsite com… Land Between Caravan Site And Watling Street Park Street Hertfordshire St Albans | 95 | £55.6M | Approved | 24/09/2026 |
| 5/2026/0855 | Erection of a single-storey detached garden room to the rear garden for use as a… 44 Jennings Road St Albans Hertfordshire AL1 4PA | - | - | Approved | 15/09/2026 |
| 5/2026/0832 | Demolition of single storey rear conservatory with lean-to roof. Construction of… 20 Harefield Place St Albans Hertfordshire AL4 9JQ | - | - | Approved | 04/09/2026 |
| 5/2026/1211 | Conversion of existing garage into a living room. New and replacement doors, win… 4 Townsend Lane Harpenden Hertfordshire AL5 2QE | - | - | Approved | 04/09/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 5/2026/1529 | Raising of parapet, roof hatch and services to accommodate new insulated flat ro… The Mansards Avenue Road St Albans Hertfordshire | - | - | Pending | 25/09/2026 |
| 5/2026/1560 | Conversion of an external covered colonnade to office space for a community buil… 130a Southdown Road Harpenden Hertfordshire AL5 1PU | - | - | Pending | 25/09/2026 |
| 5/2026/1490 | Construction of replacement dwelling with habitable roof accommodation, outbuild… 14 Park Avenue South Harpenden Hertfordshire AL5 2EA | - | - | Pending | 18/09/2026 |
| 5/2026/1521 | Outline application (all matters reserved) for up to four residential dwellings … Land North Of Colney Park Lodge Harper Lane Shenley Radlett Hertfordshire | 4 | £2.3M | Pending | 18/09/2026 |
| 5/2026/1497 | Conversion and extension of existing barn to form two self-contained residential… The Gatehouse 4 St Stephens Hill St Albans Hertfordshire AL1 2DS | 2 | £1.2M | Pending | 18/09/2026 |
Deal intelligence
Key schemes
in St Albans.
Indicative appraisals of the largest residential schemes in the St Albans planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £504.3M in combined GDV across 821 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land south of Chiswell Green Lane Chiswell Green Lane St Albans Hertfordshire
£240.2M
Estimated GDV
Units
391
GDV / Unit
£614k
Build Cost (Range)
£59.8M–£75.8M
Residual Land Value
£82.9M
GDV estimated from the HM Land Registry blended median of £585,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £82,858,000 (£212k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £240.2M |
| Construction (26,588 sqm @ £2,550/sqm mid) | −£67.8M |
| Externals, fees & contingency | −£19.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£27.6M |
| Developer profit target (17.5% on GDV) | −£42.0M |
| Implied residual land value | £82.9M |
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 West of Tassell Hall Redbourn Hertfordshire
£141.3M
Estimated GDV
Units
230
GDV / Unit
£614k
Build Cost (Range)
£35.2M–£44.6M
Residual Land Value
£48.7M
GDV estimated from the HM Land Registry blended median of £585,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £48,740,000 (£212k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £141.3M |
| Construction (15,640 sqm @ £2,550/sqm mid) | −£39.9M |
| Externals, fees & contingency | −£11.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£16.2M |
| Developer profit target (17.5% on GDV) | −£24.7M |
| Implied residual land value | £48.7M |
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.
Major Residential Development Awaiting decision
Land To South And East Of 1 Kingsley Green Harper Lane Radlett Shenley Hertfordshire
£122.8M
Estimated GDV
Units
200
GDV / Unit
£614k
Build Cost (Range)
£30.6M–£38.8M
Residual Land Value
£42.4M
GDV estimated from the HM Land Registry blended median of £585,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £42,381,000 (£212k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £122.8M |
| Construction (13,600 sqm @ £2,550/sqm mid) | −£34.7M |
| Externals, fees & contingency | −£10.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£14.1M |
| Developer profit target (17.5% on GDV) | −£21.5M |
| Implied residual land value | £42.4M |
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 £585,000 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 St Albans.
1,623 residential transactions in the last twelve months. Median sold price £585,000 (+1.7% YoY). 57 new-build transactions with a 0% premium over existing stock.
Detached
£850,000
Semi-Detached
£687,825
Terraced
£565,000
Flat
£325,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 27 Jul 2026 | 14, SHAKESPEARE CLOSEAL4 0FY | Terraced | £725,000 | Freehold |
| 24 Jul 2026 | 3, CHURCH VIEWAL4 8AP | Terraced | £468,334 | Freehold |
| 24 Jul 2026 | 54, MILLINERS COURTAL1 3XT | Flat | £390,000 | Leasehold |
| 24 Jul 2026 | 71, CELL BARNES LANEAL1 5RB | Terraced | £440,000 | Freehold |
| 24 Jul 2026 | 38B, BEACONSFIELD ROADAL1 3RB | Flat | £272,200 | Leasehold |
| 17 Jul 2026 | 211, CAMP ROADAL1 5NB | Terraced | £660,000 | Freehold |
| 17 Jul 2026 | 52, TIPPENDELL LANEAL2 3HL | Detached | £805,000 | Freehold |
| 17 Jul 2026 | 9, BEECHWOOD AVENUEAL1 4XP | Semi-Detached | £1,300,000 | Freehold |
| 17 Jul 2026 | 28, BATCHWOOD DRIVEAL3 5SB | Semi-Detached | £650,000 | Freehold |
| 17 Jul 2026 | 10, MEADOW CLOSEAL4 9TG | Semi-Detached | £1,482,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · St Albans City and District 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 St Albans deals.
Typical pricing for bridging finance in St Albans. 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, St Albans
An indicative appraisal for a nine-unit residential scheme priced at St Albans'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
£6,500,000
Loan Amount
£4,225,000
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 St Albans
— answered.
How active is the development pipeline in St Albans?
The St Albans City and District Council planning register currently shows 99 residential applications awaiting decision in St Albans, together proposing 2,026 units — the largest single scheme proposes 391 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
St Albans Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £585,000, 1,623 sales, +1.7% 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 St Albans 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
St Albans,
Hertfordshire.
Adjacent products
Other services
in St Albans.
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