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St Helens, Merseyside
Bridging Finance
in St Helens
Expert bridging finance for property developers in St Helens. We connect you with competitive funding from our panel of 100+ lenders.
St Helens, Merseyside
Bridging Finance
in St Helens.
Live market data
St Helens
market snapshot.
HM Land Registry sold-price data for St Helens over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £180,000
- Sales (12m)
- 2,817
- YoY change
- Flat
- Approved (recent)
- 126
- Pipeline units
- 1,328
- Pipeline GDV
- £227.0M
Planning pipeline
Planning activity
in St Helens.
126 approved (last 12 months)
·53 pending
·1,328 units in pipeline·£227.0M estimated GDV·86% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| P/2025/0043/FUL | The erection of 220no dwellings, internal access roads, public open space includ… Land At Weathercock Hill Farm Garswood Road Ashton In Makerfield St Helens WN4 0XH | 220 | £39.6M | Pending | 25/09/2026 |
| P/2026/0198/FUL | Partial demolition and external works to existing warehouse and office block. 8 Haydock Lane Industrial Estate Haydock Lane Haydock St Helens WA11 9XE | - | - | Pending | 18/09/2026 |
| P/2026/0344/FUL | Change of use of ground floor from restaurant (Class E(b)) to mixed arrangement … 91 - 95 Duke Street St Helens Merseyside WA10 2JG | - | - | Pending | 08/09/2026 |
| P/2026/0255/FUL | Five storey extension on the east elevation to form a new east facing entrance, … The Gamble Institute Victoria Square St Helens WA10 1DY | - | - | Pending | 03/09/2026 |
| P/2026/0360/FUL | External glazed screens and composite wall cladding, and decking on terrace with… Rainhill Recreation Club Victoria Terrace Rainhill St Helens L35 0LH | - | - | Pending | 01/09/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| P/2026/0490/FUL | Change of use of land to form 1no gypsy and traveller family pitch, with access … Land To Rear Of 63 To 71 Berrys Lane St Helens | - | - | Pending | 21/09/2026 |
| P/2026/0488/PN18 | Prior approval for demolition and replacement of footbridge. Folds Road Footbridge Folds Road Haydock St Helens | - | - | Pending | 14/09/2026 |
| P/2026/0480/FUL | Erection of 1no dwelling. Land To The Side Of 53 Victoria Road Ashton In Makerfield St Helens WN4 0SZ | 1 | £180,000 | Pending | 11/09/2026 |
| P/2026/0493/FUL | Construction and operation of a micro energy storage project. Land To The West Of Millfield Lane Haydock Industrial Estate Haydock WA11 9UT | - | - | Pending | 11/09/2026 |
| P/2026/0483/FUL | Replacement shopfront including Installation of prescription vending machine for… 11 Rainford Road Billinge St Helens WN5 7PF | - | - | Pending | 11/09/2026 |
Deal intelligence
Key schemes
in St Helens.
Indicative appraisals of the largest residential schemes in the St Helens planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £123.2M in combined GDV across 652 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land At Weathercock Hill Farm Garswood Road Ashton In Makerfield St Helens WN4 0XH
£41.6M
Estimated GDV
Units
220
GDV / Unit
£189k
Build Cost (Range)
£27.7M–£35.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £180,000 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 | £41.6M |
| Construction (14,960 sqm @ £2,100/sqm mid) | −£31.4M |
| Externals, fees & contingency | −£9.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£4.8M |
| Developer profit target (17.5% on GDV) | −£7.3M |
| 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.
Major Residential Development Awaiting decision
Land At Gorsey Lane Bold St Helens
£41.6M
Estimated GDV
Units
220
GDV / Unit
£189k
Build Cost (Range)
£27.7M–£35.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £180,000 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 | £41.6M |
| Construction (14,960 sqm @ £2,100/sqm mid) | −£31.4M |
| Externals, fees & contingency | −£9.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£4.8M |
| Developer profit target (17.5% on GDV) | −£7.3M |
| 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.
Major Residential Development Awaiting decision
Land North Of Gorsey Lane Bold St Helens
£40.1M
Estimated GDV
Units
212
GDV / Unit
£189k
Build Cost (Range)
£26.7M–£33.9M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £180,000 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 | £40.1M |
| Construction (14,416 sqm @ £2,100/sqm mid) | −£30.3M |
| Externals, fees & contingency | −£8.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£4.6M |
| Developer profit target (17.5% on GDV) | −£7.0M |
| 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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £180,000 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 St Helens.
2,817 residential transactions in the last twelve months. Median sold price £180,000. 109 new-build transactions with a +51.4% premium over existing stock.
Detached
£325,000
Semi-Detached
£200,000
Terraced
£125,000
Flat
£96,750
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 24 Jul 2026 | 82, CARDINAL WAYWA12 9FX | Detached | £442,500 | Leasehold |
| 24 Jul 2026 | 36, WINDERMERE DRIVEWA11 7LD | Semi-Detached | £265,000 | Freehold |
| 23 Jul 2026 | 1, CARTWRIGHT COURTWA11 8GB | Semi-Detached | £205,000 | Freehold |
| 17 Jul 2026 | 27, BRAESIDE CRESCENTWN5 7PQ | Semi-Detached | £247,000 | Freehold |
| 17 Jul 2026 | 247, DERBYSHIRE HILL ROADWA9 2LX | Terraced | £100,500 | Leasehold |
| 17 Jul 2026 | 34, OXFORD STREETWA10 2DL | Terraced | £127,500 | Leasehold |
| 17 Jul 2026 | 36, BRIDGEWATER CLOSEWA9 3ZL | Semi-Detached | £90,000 | Leasehold |
| 17 Jul 2026 | 16, OLD WARGRAVE ROADWA12 8LU | Terraced | £160,650 | Freehold |
| 17 Jul 2026 | 61, WEYMOUTH AVENUEWA9 3QX | Semi-Detached | £158,000 | Freehold |
| 17 Jul 2026 | APARTMENT 14, HENBURY COURT, 181, KILN LANEWA10 4RA | Flat | £132,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · St Helens 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 Helens deals.
Typical pricing for bridging finance in St Helens. 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 Helens
An indicative appraisal for a nine-unit residential scheme priced at St Helens'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
£1,890,000
Loan Amount
£1,229,000
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 Helens
— answered.
How active is the development pipeline in St Helens?
The St Helens Council planning register currently shows 53 residential applications awaiting decision in St Helens, together proposing 1,031 units — the largest single scheme proposes 220 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 Helens Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £180,000, 2,817 sales, 0% YoY. Merseyside county.
5 min read
Merseyside Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
6 towns analysed. Median price £168,125, 13,462 transactions, +3% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in St Helens 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 Helens,
Merseyside.
Adjacent products
Other services
in St Helens.
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