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Stevenage, Hertfordshire
Bridging Finance
in Stevenage
Expert bridging finance for property developers in Stevenage. We connect you with competitive funding from our panel of 100+ lenders.
Stevenage, Hertfordshire
Bridging Finance
in Stevenage.
Live market data
Stevenage
market snapshot.
HM Land Registry sold-price data for Stevenage over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £340,000
- Sales (12m)
- 1,009
- YoY change
- +1.5%
- Approved (recent)
- 23
- Pipeline units
- 450
- Pipeline GDV
- £145.2M
Planning pipeline
Planning activity
in Stevenage.
23 approved (last 12 months)
·10 pending
·450 units in pipeline·£145.2M estimated GDV·82% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00585/FP | Change of use from amenity land to residential use, together with landscaping, b… Land To The South East Of Symes House Symonds Green Lane Stevenage Herts SG1 2HP | 1 | £340,000 | Pending | 14/09/2026 |
| 26/00417/FP | Change of use from public amenity land to residential curtilage, together with t… 52 Edison Road Stevenage Herts SG2 0DF | 1 | £340,000 | Pending | 10/08/2026 |
| 26/00491/PIP | Residential development of between 7 and 9 dwellings Land Adjacent To Lanes End Todds Green Stevenage Herts SG1 2JE | 9 | £3.1M | Pending | 07/08/2026 |
| 26/00216/FP | Change of use of 6no. dwellinghouses Use Class (C3) to 6no. five-bedroom Houses … 33 Julians Road Stevenage Herts SG1 3ES | 1 | £340,000 | Pending | 05/08/2026 |
| 26/00412/FP | Retrospective application to regularise the change of use from public amenity la… 455 Canterbury Way Stevenage Herts SG1 4EQ | 1 | £340,000 | Pending | 28/07/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00703/FP | Change of use from public amenity land to residential use 199 Canterbury Way Stevenage Herts SG1 4LG | 1 | £340,000 | Pending | 23/09/2026 |
| 26/00630/FP | Change of Use from public amenity land to residential use 5 West Reach Stevenage Herts SG2 9AS | 1 | £340,000 | Pending | 26/08/2026 |
| 26/00605/FP | Sub division of Unit 1A into 2no. units including new front entrance, side fire … Stevenage Leisure Park, Unit 1A Kings Way Stevenage Herts SG1 2UA | - | - | Pending | 17/08/2026 |
| 26/00575/OPM | Outline permission for redevelopment of the site to create up to 12 residential … Land At St. Margarets Stevenage Herts SG2 8RF | 12 | £4.1M | Pending | 30/07/2026 |
| 26/00563/FP | Part single storey, part two storey rear extensions and conversion of existing d… 13 Buckthorn Avenue Stevenage Herts SG1 1TT | 3 | £600,000 | Pending | 28/07/2026 |
Deal intelligence
Key schemes
in Stevenage.
Indicative appraisals of the largest residential schemes in the Stevenage planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £133.7M in combined GDV across 386 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
7 The Forum Town Centre Stevenage Herts SG1 1ES
£115.0M
Estimated GDV
Units
322
GDV / Unit
£357k
Build Cost (Range)
£66.6M–£84.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £340,000 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £115.0M |
| Construction (21,896 sqm @ £3,440/sqm mid) | −£75.3M |
| Externals, fees & contingency | −£22.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£13.2M |
| Developer profit target (17.5% on GDV) | −£20.1M |
| Implied residual land value | Marginal |
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.
Residential Development Awaiting decision
Land At Redcar Drive Stevenage Herts SG1 2EN
£13.6M
Estimated GDV
Units
38
GDV / Unit
£357k
Build Cost (Range)
£5.8M–£7.4M
Residual Land Value
£1.5M
GDV estimated from the HM Land Registry blended median of £340,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £1,516,000 (£40k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £13.6M |
| Construction (2,584 sqm @ £2,550/sqm mid) | −£6.6M |
| Externals, fees & contingency | −£1.7M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.3M |
| Developer profit target (17.5% on GDV) | −£2.4M |
| Implied residual land value | £1.5M |
Broker insight: For a 38-unit scheme in Stevenage, 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.
Residential Development Awaiting decision
40 - 60 Queensway Town Centre Stevenage Herts SG1 1EE
£5.2M
Estimated GDV
Units
26
GDV / Unit
£200k
Build Cost (Range)
£2.3M–£2.9M
Residual Land Value
£486k
GDV estimated from the HM Land Registry flat median of £200,000. At benchmark build costs, the implied residual land value is £486,000 (£19k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £5.2M |
| Construction (1,638 sqm @ £1,580/sqm mid) | −£2.6M |
| Externals, fees & contingency | −£701k |
| Finance (65% LTGDV, 18m) & sales costs | −£515k |
| Developer profit target (17.5% on GDV) | −£910k |
| Implied residual land value | £486k |
Broker insight: For a 26-unit scheme in Stevenage, 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 £340,000 plus a 5% new-build premium (assumed).
- Build cost: £3,040-£3,850/sqm (new build, uplifted for 21-storey construction, 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 Stevenage.
1,009 residential transactions in the last twelve months. Median sold price £340,000 (+1.5% YoY). 5 new-build transactions with a +32.4% premium over existing stock.
Detached
£550,000
Semi-Detached
£397,000
Terraced
£335,000
Flat
£200,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 20 Jul 2026 | 43, ELLIS AVENUESG1 3SL | Semi-Detached | £360,000 | Freehold |
| 17 Jul 2026 | 20, PARK CLOSESG2 8PX | Terraced | £395,000 | Freehold |
| 16 Jul 2026 | 78, OAKS CROSSSG2 8LR | Terraced | £150,000 | Freehold |
| 16 Jul 2026 | 2, BOWLING GREENSG1 3BH | Terraced | £307,000 | Freehold |
| 15 Jul 2026 | 3, THURLOW CLOSESG1 4SD | Detached | £775,000 | Freehold |
| 15 Jul 2026 | 34, BRIGHTON WAYSG1 2JQ | Semi-Detached | £405,000 | Freehold |
| 15 Jul 2026 | 7, FALLOWFIELDSG2 9PJ | Terraced | £315,000 | Freehold |
| 14 Jul 2026 | 49, ALLEYNS ROADSG1 3PG | Detached | £475,000 | Freehold |
| 14 Jul 2026 | 176, RIPON ROADSG1 4NE | Terraced | £310,000 | Freehold |
| 14 Jul 2026 | 53, EPSOM CLOSESG1 5TE | Flat | £237,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Stevenage 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 Stevenage deals.
Typical pricing for bridging finance in Stevenage. 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, Stevenage
An indicative appraisal for a nine-unit residential scheme priced at Stevenage'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
£3,752,000
Loan Amount
£2,439,000
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 Stevenage
— answered.
How active is the development pipeline in Stevenage?
The Stevenage Borough Council planning register currently shows 10 residential applications awaiting decision in Stevenage, together proposing 375 units — the largest single scheme proposes 322 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
Stevenage Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £340,000, 1,009 sales, +1.5% 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 Stevenage 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
Stevenage,
Hertfordshire.
Adjacent products
Other services
in Stevenage.
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