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Chorley, Lancashire
Bridging Finance
in Chorley
Expert bridging finance for property developers in Chorley. We connect you with competitive funding from our panel of 100+ lenders.
Chorley, Lancashire
Bridging Finance
in Chorley.
Live market data
Chorley
market snapshot.
HM Land Registry sold-price data for Chorley over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £220,000
- Sales (12m)
- 1,335
- YoY change
- +2.6%
- Approved (recent)
- 166
- Pipeline units
- 405
- Pipeline GDV
- £91.3M
Planning pipeline
Planning activity
in Chorley.
16 approved (last 3 months)
·60 pending
·46 units in pipeline·£11.2M estimated GDV·80% approval rate (last 3 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00459/FUL | Application for technical details consent for the erection of one detached self-… Land South Of 1 Moss Terrace Moss Lane Whittle-le-woods Chorley PR6 8AB | 1 | £351,500 | Pending | 26/05/2026 |
| 26/00454/FUL | Change of use from Use Class C3 (residential dwelling) to Sui Generis (Short Ter… 126 Towngate Eccleston Chorley PR7 5QS | 1 | £220,000 | Pending | 22/05/2026 |
| 26/00447/FUL | Erection of portacabin for temporary period of five years Euxton St Mary's Catholic Primary School Wigan Road Euxton Chorley PR7 6JW | - | - | Pending | 21/05/2026 |
| 26/00439/FUL | Erection of guest food trade cabin and construction of new car parking area comp… Rivington Brewing Co Horrobin Lane Anderton Chorley PR6 9HE | - | - | Pending | 19/05/2026 |
| 26/00435/FUL | Erection of 2.4m high, 656 weld mesh fencing following the removal of the existi… St James C Of E Primary School Devonport Way Chorley PR6 0TE | - | - | Pending | 18/05/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00708/PDE | Notification of a proposed single storey rear extension measuring 3.7m in depth,… 52 Millfield Road Chorley PR7 1RE | - | - | Pending | 11/08/2026 |
| 26/00702/FUL | Erection of a stable block incorporating a tack room and hay store Linden Lea Wood Lane Heskin Chorley PR7 5NS | - | - | Pending | 08/08/2026 |
| 26/00701/FUL | Siting of a portable building for approximately 2no. years within the existing c… Designs For City Spaces Ltd Unit 1 Station Road Hoghton Preston PR5 0SR | - | - | Pending | 07/08/2026 |
| 26/00700/FUL | Construction of an equine turnout paddock (retrospective) Tullis Farm Sandy Lane Brindle Chorley PR6 8NQ | - | - | Pending | 07/08/2026 |
| 26/00698/FUL | Conversion of stone barn to form 2no. dwellings Malthouse Farm Blackburn New Road Wheelton Chorley PR6 8HH | 1 | £220,000 | Pending | 07/08/2026 |
Deal intelligence
Key schemes
in Chorley.
Indicative appraisals of the largest residential schemes in the Chorley planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £7.8M in combined GDV across 29 units, with indicative capital stacks for each.
Small-Scale Development Awaiting decision
Land North Of Lydiate Farm Cottage Lydiate Lane Eccleston
£3.0M
Estimated GDV
Units
8
GDV / Unit
£369k
Build Cost (Range)
£1.8M–£2.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry detached house median of £351,500 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 | £3.0M |
| Construction (992 sqm @ £2,100/sqm mid) | −£2.1M |
| Externals, fees & contingency | −£552k |
| Finance (65% LTGDV, 12m) & sales costs | −£245k |
| Developer profit target (17.5% on GDV) | −£517k |
| Implied residual land value | Marginal |
Broker insight: For a 8-unit scheme in Chorley, 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
Land South Of Mercer Court And East Of Westhoughton Road Adlington
£2.8M
Estimated GDV
Units
12
GDV / Unit
£231k
Build Cost (Range)
£1.9M–£2.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £220,000 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 | £2.8M |
| Construction (1,020 sqm @ £2,100/sqm mid) | −£2.1M |
| Externals, fees & contingency | −£568k |
| Finance (65% LTGDV, 18m) & sales costs | −£274k |
| Developer profit target (17.5% on GDV) | −£485k |
| Implied residual land value | Marginal |
Broker insight: For a 12-unit scheme in Chorley, 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
LAND ADJACENT THE POPPIES Southport Road Ulnes Walton
£2.1M
Estimated GDV
Units
9
GDV / Unit
£231k
Build Cost (Range)
£1.6M–£2.0M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £220,000 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 | £2.1M |
| Construction (855 sqm @ £2,100/sqm mid) | −£1.8M |
| Externals, fees & contingency | −£477k |
| Finance (65% LTGDV, 12m) & sales costs | −£173k |
| Developer profit target (17.5% on GDV) | −£364k |
| Implied residual land value | Marginal |
Broker insight: For a 9-unit scheme in Chorley, 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 detached house median of £351,500 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) × 124 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 Chorley.
1,335 residential transactions in the last twelve months. Median sold price £220,000 (+2.6% YoY). 13 new-build transactions with a +44.2% premium over existing stock.
Detached
£351,500
Semi-Detached
£212,000
Terraced
£165,000
Flat
£120,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 2, DOB BROW CLOSEPR7 3BN | Detached | £547,500 | Freehold |
| 25 Jun 2026 | 34, STANSFIELD DRIVEPR7 6QH | Detached | £333,750 | Freehold |
| 25 Jun 2026 | 15, FOXGLOVE DRIVEPR6 7SG | Detached | £442,500 | Freehold |
| 24 Jun 2026 | 14, LEWIS CLOSEPR7 4JU | Semi-Detached | £209,500 | Freehold |
| 23 Jun 2026 | 24, ASLAND DRIVEL40 3AE | Detached | £450,000 | Freehold |
| 19 Jun 2026 | 18, CHILTERN MEWSPR7 3TN | Semi-Detached | £182,500 | Freehold |
| 19 Jun 2026 | 78, BACK LANEPR6 7QQ | Semi-Detached | £255,000 | Leasehold |
| 19 Jun 2026 | 211, EAVES LANEPR6 0TR | Other | £250,000 | Leasehold |
| 19 Jun 2026 | 51, WHITLEY DRIVEPR7 7JY | Detached | £320,000 | Leasehold |
| 19 Jun 2026 | 21, LIMES AVENUEPR7 6BJ | Detached | £272,495 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Chorley 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 Chorley deals.
Typical pricing for bridging finance in Chorley. 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, Chorley
An indicative appraisal for a nine-unit residential scheme priced at Chorley'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
£2,003,000
Loan Amount
£1,302,000
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 Chorley
— answered.
How active is the development pipeline in Chorley?
The Chorley Council planning register currently shows 60 residential applications awaiting decision in Chorley, together proposing 44 units — the largest single scheme proposes 12 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
Chorley Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £220,000, 1,363 sales, +3.8% YoY. Lancashire county.
5 min read
Lancashire Property Market: Prices, Trends & Development Finance, End of H1 2026
8 towns analysed. Median price £160,500, 11,633 transactions, -1.3% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Chorley 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
Chorley,
Lancashire.
Adjacent products
Other services
in Chorley.
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