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Southport, Merseyside
Bridging Finance
in Southport
Expert bridging finance for property developers in Southport. We connect you with competitive funding from our panel of 100+ lenders.
Southport, Merseyside
Bridging Finance
in Southport.
Live market data
Southport
market snapshot.
HM Land Registry sold-price data for Southport over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £215,000
- Sales (12m)
- 1,120
- YoY change
- +1.4%
- Pipeline units
- 226
- Pipeline GDV
- £42.0M
Planning pipeline
Planning activity
in Southport.
3 residential applications awaiting decision
·39 units in pipeline·£7.6M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| DC/2026/01303 | Outline Application for the Construction of up to 23 Dwellings with associated s… Land To The North Side Of Liverpool Road Lydiate L31 | 23 | £4.9M | Pending | 07/08/2026 |
| DC/2026/00978 | Erection of 7 dwellings with associated access, car parking and landscaping foll… The Piggeries Southport Old Road Formby | 7 | £1.5M | Pending | 17/06/2026 |
| DC/2026/00877 | Non-material amendment to planning permission DC/2022/00861 approved on 05/06/20… 19 Oxford Road Birkdale PR8 2JR | 9 | £1.2M | Pending | 18/05/2026 |
Deal intelligence
Key schemes
in Southport.
Indicative appraisals of the largest residential schemes in the Southport planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £8.0M in combined GDV across 39 units, with indicative capital stacks for each.
Residential Development Awaiting decision
Land To The North Side Of Liverpool Road Lydiate L31
£5.2M
Estimated GDV
Units
23
GDV / Unit
£226k
Build Cost (Range)
£3.6M–£4.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £215,000 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 | £5.2M |
| Construction (1,955 sqm @ £2,100/sqm mid) | −£4.1M |
| Externals, fees & contingency | −£1.1M |
| Finance (65% LTGDV, 18m) & sales costs | −£513k |
| Developer profit target (17.5% on GDV) | −£909k |
| Implied residual land value | Marginal |
Broker insight: For a 23-unit scheme in Southport, 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.
Demolition & New Build Awaiting decision
The Piggeries Southport Old Road Formby
£1.6M
Estimated GDV
Units
7
GDV / Unit
£226k
Build Cost (Range)
£1.2M–£1.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £215,000 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 | £1.6M |
| Construction (665 sqm @ £2,100/sqm mid) | −£1.4M |
| Externals, fees & contingency | −£371k |
| Finance (65% LTGDV, 12m) & sales costs | −£131k |
| Developer profit target (17.5% on GDV) | −£277k |
| Implied residual land value | Marginal |
Broker insight: For a 7-unit scheme in Southport, 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.
Demolition & New Build Awaiting decision
19 Oxford Road Birkdale PR8 2JR
£1.2M
Estimated GDV
Units
9
GDV / Unit
£138k
Build Cost (Range)
£1.0M–£1.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £131,500 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 | £1.2M |
| Construction (567 sqm @ £2,100/sqm mid) | −£1.2M |
| Externals, fees & contingency | −£316k |
| Finance (65% LTGDV, 12m) & sales costs | −£103k |
| Developer profit target (17.5% on GDV) | −£218k |
| Implied residual land value | Marginal |
Broker insight: For a 9-unit scheme in Southport, 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 £215,000 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) × 85 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 18 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 Southport.
1,120 residential transactions in the last twelve months. Median sold price £215,000 (+1.4% YoY). 10 new-build transactions with a +32.6% premium over existing stock.
Detached
£360,000
Semi-Detached
£220,000
Terraced
£181,125
Flat
£131,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Jun 2026 | FLAT 2, 13, REGENT ROADPR8 2EB | Flat | £71,666 | Leasehold |
| 22 Jun 2026 | FLAT A, 130, LEYLAND ROADPR9 0JL | Flat | £39,500 | Leasehold |
| 19 Jun 2026 | FLAT 2, SOUTH HILL, 9A, LORD STREET WESTPR8 2BH | Flat | £250,000 | Leasehold |
| 17 Jun 2026 | 19, RIVERMEADEPR8 6PR | Semi-Detached | £185,000 | Leasehold |
| 17 Jun 2026 | 8, FORDHAM CLOSEPR8 6UH | Detached | £285,000 | Freehold |
| 12 Jun 2026 | 27, CASTLE STREETPR9 0NR | Terraced | £160,000 | Freehold |
| 12 Jun 2026 | FLAT 11, LANCASTER GARDENS, LANCASTER ROADPR8 2LF | Flat | £262,500 | Leasehold |
| 12 Jun 2026 | FLAT 33, THE ANCHORAGE, 23, KINGSWAYPR8 1ND | Flat | £50,000 | Leasehold |
| 11 Jun 2026 | 45, CROWLAND STREETPR9 7RL | Other | £78,000 | Freehold |
| 9 Jun 2026 | APARTMENT 8, REGENCY COURT, 29, PARK ROAD WESTPR9 0JU | Flat | £95,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Sefton 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 Southport deals.
Typical pricing for bridging finance in Southport. 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, Southport
An indicative appraisal for a nine-unit residential scheme priced at Southport'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
£2,079,000
Loan Amount
£1,351,000
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 Southport
— answered.
How active is the development pipeline in Southport?
The Sefton Council planning register currently shows 3 residential applications awaiting decision in Southport, together proposing 39 units — the largest single scheme proposes 23 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
Southport Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £215,000, 1,131 sales, +2.4% YoY. Merseyside county.
5 min read
Merseyside Property Market: Prices, Trends & Development Finance, End of H1 2026
6 towns analysed. Median price £171,000, 9,452 transactions, +3.8% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Southport 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
Southport,
Merseyside.
Adjacent products
Other services
in Southport.
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