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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
- £177,000
- Sales (12m)
- 1,976
- YoY change
- -1.7%
- Pipeline units
- 656
- Pipeline GDV
- £110.1M
Planning pipeline
Planning activity
in St Helens.
27 residential applications awaiting decision
·398 units in pipeline·£65.3M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| P/2026/0285/FUL | Full planning application for the erection of 139 homes with associated access, … Land Off Elton Head Road St Helens | 139 | £24.6M | Pending | |
| P/2026/0282/LBC | Listed building consent for change of use of annex building from nursing home (C… Birchley Hall Birchley Road Billinge St Helens WN5 7QJ | - | - | Pending | |
| P/2026/0276/S73 | Removal/variation of condition 2 (approved drawings) on approval P/2025/0336/HHF… 33 Springfield Park Haydock St Helens WA11 0XP | - | - | Pending | |
| P/2026/0261/FUL | Change of use from selling and/or displaying motor vehicles (Sui Generis) to flo… Blacks Garage 53 - 55 Church Road Rainford St Helens WA11 8EZ | - | - | Pending | |
| P/2026/0266/FUL | Proposed installation of 1no. new BT Street Hub, and 2no. associated BT Phone Ki… Pavement Opposite 5 Market Street St Helens | - | - | Pending |
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 £61.7M in combined GDV across 332 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land At Chapel Lane Sutton Manor St Helens
£29.4M
Estimated GDV
Units
158
GDV / Unit
£186k
Build Cost (Range)
£19.9M–£25.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £177,000 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 | £29.4M |
| Construction (10,744 sqm @ £2,100/sqm mid) | −£22.6M |
| Externals, fees & contingency | −£6.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.4M |
| Developer profit target (17.5% on GDV) | −£5.1M |
| 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.
Major Residential Development Awaiting decision
Land Off Elton Head Road St Helens
£25.8M
Estimated GDV
Units
139
GDV / Unit
£186k
Build Cost (Range)
£17.5M–£22.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £177,000 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 | £25.8M |
| Construction (9,452 sqm @ £2,100/sqm mid) | −£19.8M |
| Externals, fees & contingency | −£5.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.0M |
| Developer profit target (17.5% on GDV) | −£4.5M |
| 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 Encompassing Sussex Grove St Helens WA9 1QH
£6.5M
Estimated GDV
Units
35
GDV / Unit
£186k
Build Cost (Range)
£4.4M–£5.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £177,000 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 | £6.5M |
| Construction (2,380 sqm @ £2,100/sqm mid) | −£5.0M |
| Externals, fees & contingency | −£1.3M |
| Finance (65% LTGDV, 18m) & sales costs | −£644k |
| Developer profit target (17.5% on GDV) | −£1.1M |
| Implied residual land value | Marginal |
Broker insight: For a 35-unit scheme in St Helens, 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 £177,000 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.
1,976 residential transactions in the last twelve months. Median sold price £177,000 (-1.7% YoY). 38 new-build transactions with a +45.7% premium over existing stock.
Detached
£330,000
Semi-Detached
£198,000
Terraced
£125,000
Flat
£95,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 50, LONG MEADOWWA10 4LS | Detached | £377,500 | Freehold |
| 25 Jun 2026 | 202, WARGRAVE ROADWA12 8EL | Terraced | £97,500 | Leasehold |
| 22 Jun 2026 | 26, CHERWELL AVENUEWA9 4YW | Semi-Detached | £255,000 | Freehold |
| 19 Jun 2026 | 8, WHINCHAT AVENUEWA12 9XF | Semi-Detached | £188,000 | Freehold |
| 19 Jun 2026 | 16, WILDCHERRY GARDENSWA9 5UF | Semi-Detached | £350,000 | Freehold |
| 19 Jun 2026 | 60, BROOKSIDE WAYWA11 0BP | Semi-Detached | £183,000 | Leasehold |
| 19 Jun 2026 | 141, SCHOLES LANEWA10 3NY | Semi-Detached | £175,000 | Freehold |
| 19 Jun 2026 | 7, WELWYN CLOSEWA9 5HL | Terraced | £180,000 | Freehold |
| 19 Jun 2026 | 30, CROSS LANEWA12 9QD | Terraced | £142,000 | Freehold |
| 18 Jun 2026 | 43, ELM ROADWA10 3NF | Terraced | £140,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · St Helens 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 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
£1,871,000
Loan Amount
£1,216,000
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 27 residential applications awaiting decision in St Helens, together proposing 398 units — the largest single scheme proposes 158 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, End of H1 2026
Median price £175,500, 1,957 sales, -2.5% 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 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