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Accrington, Lancashire
Bridging Finance
in Accrington
Expert bridging finance for property developers in Accrington. We connect you with competitive funding from our panel of 100+ lenders.
Accrington, Lancashire
Bridging Finance
in Accrington.
Live market data
Accrington
market snapshot.
HM Land Registry sold-price data for Accrington over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £130,000
- Sales (12m)
- 1,429
- YoY change
- +0.8%
- Approved (recent)
- 26
- Pipeline units
- 226
- Pipeline GDV
- £28.2M
Planning pipeline
Planning activity
in Accrington.
26 approved (last 12 months)
·19 pending
·226 units in pipeline·£28.2M estimated GDV·72% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 11/25/0433 | Full: Change of use from motorbike showroom (sui generis) to Class E commercial … 392 - 396 Blackburn Road, Accrington, Lancashire, BB5 1SA | - | - | Approved | |
| 11/25/0400 | Full: Change of use from a dwelling (Class C3) to a residential care home (Class… 4 Sefton Close, Clayton-le-Moors, Lancashire BB5 5WS | 1 | £130,000 | Approved | |
| 11/25/0396 | Permission in Principle: Erection of up to 4 dwellings following the demolition … Cliffe House, Cliffe Lane, Great Harwood, Lancashire, BB6 7PG | 4 | £520,000 | Approved | |
| 11/25/0486 | Technical Details Consent: Following Approval of Permission in Principle for Ere… Rough Lee Home, Rough Lee Road, Accrington, BB5 2LR | 4 | £520,000 | Approved | |
| 11/25/0482 | Full: Change of use from commercial to residential use at no. 20 Whalley Road (s… 20-22 Whalley Road, Accrington, Lancashire, BB5 1AA | 1 | £90,000 | Approved |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 11/26/0381 | Full: Erection of 9 No. B8 Industrial Units with Associated Parking. Altham Industrial Estate, Metcalf Drive, Altham Business Park, Altham, Lancashire, BB5 5TU | - | - | Pending | 10/09/2026 |
| 11/26/0309 | Full: Demolition of existing dwellinghouse and erection of one detached dwelling… 5 Church Lane Great Harwood Lancashire BB6 7PU | 1 | £265,000 | Pending | 04/09/2026 |
| 11/26/0392 | Full: Change of use from offices use class (E) (c)ii to 6no one-bedroomed self-c… 9 - 13 Dutton Street, Accrington, Lancashire, BB5 1JR | 6 | £540,000 | Pending | 01/09/2026 |
| 11/26/0379 | Full: Change of use from warehouse/storage to house in multiple occupation (HMO) 27 - 29 Gillies Street, Accrington, Lancashire, BB5 6RR | - | - | Pending | 14/08/2026 |
| 11/26/0361 | Full: Erection of a single dwelling Plot No. 2, Lyndene Stables, off Pothouse Lane, Oswaldtwistle, BB5 3RY | 1 | £130,000 | Pending | 12/08/2026 |
Deal intelligence
Key schemes
in Accrington.
Indicative appraisals of the largest residential schemes in the Accrington planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £23.5M in combined GDV across 172 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Whinney Hill Works, Whinney Hill Road
£12.4M
Estimated GDV
Units
91
GDV / Unit
£137k
Build Cost (Range)
£11.4M–£14.5M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £130,000 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 | £12.4M |
| Construction (6,188 sqm @ £2,100/sqm mid) | −£13.0M |
| Externals, fees & contingency | −£3.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£1.4M |
| Developer profit target (17.5% on GDV) | −£2.2M |
| 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.
Demolition & New Build Awaiting decision
Land West of Rhoden Road, Oswaldtwistle
£7.1M
Estimated GDV
Units
52
GDV / Unit
£137k
Build Cost (Range)
£6.5M–£8.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £130,000 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 | £7.1M |
| Construction (3,536 sqm @ £2,100/sqm mid) | −£7.4M |
| Externals, fees & contingency | −£2.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£814k |
| Developer profit target (17.5% on GDV) | −£1.2M |
| 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 off Delph Mount, Great Harwood
£4.0M
Estimated GDV
Units
29
GDV / Unit
£137k
Build Cost (Range)
£4.6M–£5.8M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £130,000 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 | £4.0M |
| Construction (2,465 sqm @ £2,100/sqm mid) | −£5.2M |
| Externals, fees & contingency | −£1.4M |
| Finance (65% LTGDV, 18m) & sales costs | −£392k |
| Developer profit target (17.5% on GDV) | −£693k |
| Implied residual land value | Marginal |
Broker insight: For a 29-unit scheme in Accrington, 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 £130,000 plus a 5% new-build premium (assumed).
- Build cost: £1,850-£2,350/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 Accrington.
1,429 residential transactions in the last twelve months. Median sold price £130,000 (+0.8% YoY). 3 new-build transactions with a +103.9% premium over existing stock.
Detached
£265,000
Semi-Detached
£185,000
Terraced
£105,000
Flat
£90,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jul 2026 | 5, HIGHER GATE ROADBB5 6LF | Semi-Detached | £205,000 | Leasehold |
| 27 Jul 2026 | 32, CLIFTON AVENUEBB5 6BE | Semi-Detached | £150,000 | Leasehold |
| 24 Jul 2026 | 66, SULTAN STREETBB5 6EN | Terraced | £92,500 | Leasehold |
| 24 Jul 2026 | 31, LOWERGATE ROADBB5 6LN | Semi-Detached | £175,000 | Leasehold |
| 23 Jul 2026 | 59, HAMBLEDON MILL PARKBB5 5FQ | Detached | £247,500 | Leasehold |
| 22 Jul 2026 | 30, ROYDS STREETBB5 2JQ | Terraced | £50,000 | Leasehold |
| 20 Jul 2026 | 28, CLAYTON STREETBB6 7AH | Terraced | £90,000 | Leasehold |
| 20 Jul 2026 | 9, SHAFTESBURY AVENUEBB6 7ST | Terraced | £163,750 | Leasehold |
| 17 Jul 2026 | 27, SELBY CLOSEBB5 2TQ | Semi-Detached | £172,000 | Leasehold |
| 17 Jul 2026 | 200, STANLEY STREETBB5 6QQ | Terraced | £117,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Hyndburn 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 Accrington deals.
Typical pricing for bridging finance in Accrington. 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, Accrington
An indicative appraisal for a nine-unit residential scheme priced at Accrington'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
£1,748,000
Loan Amount
£1,136,000
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 Accrington
— answered.
How active is the development pipeline in Accrington?
The Hyndburn Borough Council planning register currently shows 19 residential applications awaiting decision in Accrington, together proposing 204 units — the largest single scheme proposes 91 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
Accrington Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £130,000, 1,429 sales, +0.8% YoY. Lancashire county.
6 min read
Lancashire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £165,875, 16,443 transactions, -0.8% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Accrington 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
Accrington,
Lancashire.
Adjacent products
Other services
in Accrington.
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