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King's Lynn, Norfolk
Bridging Finance
in King's Lynn
Expert bridging finance for property developers in King's Lynn. We connect you with competitive funding from our panel of 100+ lenders.
King's Lynn, Norfolk
Bridging Finance
in King's Lynn.
Live market data
King's Lynn
market snapshot.
HM Land Registry sold-price data for King's Lynn over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £262,080
- Sales (12m)
- 2,548
- YoY change
- -1.1%
- Approved (recent)
- 574
- Pipeline units
- 732
- Pipeline GDV
- £162.8M
Planning pipeline
Planning activity
in King's Lynn.
574 approved (last 12 months)
·197 pending
·732 units in pipeline·£162.8M estimated GDV·83% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/01611/F | Householder: Externally insulate and render front and side elevations of dwellin… 13 Mill Lane Walpole Highway WISBECH Norfolk PE14 7QF | - | - | Pending | 30/09/2025 |
| 25/01603/F | Proposed detached residential annexe and double garage to serve host dwelling Russell House The Street Marham KINGS LYNN Norfolk PE33 9JN | - | - | Pending | 29/09/2025 |
| 25/01599/F | HOUSEHOLDER - Single storey flat roof rear lounge extension & garage conversion … 19 The Old Coal Yard Snettisham KINGS LYNN Norfolk PE31 7FH | - | - | Pending | 29/09/2025 |
| 25/01594/F | Improvements to existing highway access to connect private land to the public hi… Land At E563238 N308534 School Road South Runcton Norfolk | - | - | Pending | 29/09/2025 |
| 25/01817/F | Proposed Extensions & Alterations 21 Walcups Lane Great Massingham King's Lynn Norfolk PE32 2HR | - | - | Pending | 31/10/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01566/LB | Proposed Change of use from Office to Single Residential Dwelling 11 Portland Street King's Lynn Norfolk PE30 1PB | 1 | £262,080 | Pending | 24/09/2026 |
| 26/01563/F | Installation of an external Air Handling Unit (AHU), together with associated pl… Queen Elizabeth Hospital Gayton Road Queen Elizabeth Hospital Site King's Lynn Norfolk PE30 4ET | - | - | Pending | 24/09/2026 |
| 26/01559/CU | Change of use of second floor offices to museum. Chequer House 12 King Street King's Lynn Norfolk PE30 1ES | - | - | Pending | 23/09/2026 |
| 26/01552/F | External decoration and display of advertisements 61 High Street King's Lynn Norfolk PE30 1AY | - | - | Pending | 22/09/2026 |
| 26/01551/F | Construction of Horse Arena/Menege Land At E570230 N301609 Stoke Road Boughton Norfolk | - | - | Pending | 22/09/2026 |
Deal intelligence
Key schemes
in King's Lynn.
Indicative appraisals of the largest residential schemes in the King's Lynn planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £69.9M in combined GDV across 314 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land S of 22 Bridle Lane Downham Market Norfolk
£36.1M
Estimated GDV
Units
114
GDV / Unit
£316k
Build Cost (Range)
£16.3M–£20.5M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £262,080 plus a 20.7% new-build premium (measured locally). 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 | £36.1M |
| Construction (7,752 sqm @ £2,380/sqm mid) | −£18.4M |
| Externals, fees & contingency | −£5.4M |
| Finance (65% LTGDV, 24m) & sales costs | −£4.1M |
| Developer profit target (17.5% on GDV) | −£6.3M |
| 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
Ashwicken Lake Church Lane Ashwicken Norfolk
£19.3M
Estimated GDV
Units
154
GDV / Unit
£125k
Build Cost (Range)
£12.6M–£15.9M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £125,000. 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 | £19.3M |
| Construction (9,702 sqm @ £1,470/sqm mid) | −£14.3M |
| Externals, fees & contingency | −£4.3M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.2M |
| Developer profit target (17.5% on GDV) | −£3.4M |
| 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 Opposite 66 To 84 School Road Terrington St John Norfolk
£14.6M
Estimated GDV
Units
46
GDV / Unit
£316k
Build Cost (Range)
£6.6M–£8.3M
Residual Land Value
£1.1M
GDV estimated from the HM Land Registry blended median of £262,080 plus a 20.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £1,148,000 (£25k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £14.6M |
| Construction (3,128 sqm @ £2,380/sqm mid) | −£7.4M |
| Externals, fees & contingency | −£2.0M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.4M |
| Developer profit target (17.5% on GDV) | −£2.5M |
| Implied residual land value | £1.1M |
Broker insight: For a 46-unit scheme in King's Lynn, 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 £262,080 plus a 20.7% new-build premium (measured locally).
- Build cost: £2,100-£2,650/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 King's Lynn.
2,548 residential transactions in the last twelve months. Median sold price £262,080 (-1.1% YoY). 74 new-build transactions with a +20.7% premium over existing stock.
Detached
£335,000
Semi-Detached
£240,000
Terraced
£190,000
Flat
£125,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 28 Jul 2026 | 9, KINGSWAYPE13 3DU | Detached | £295,000 | Freehold |
| 24 Jul 2026 | 4, FIELD ROADPE30 4BE | Semi-Detached | £275,000 | Freehold |
| 23 Jul 2026 | 63, PAYNES LANEIP26 4BB | Semi-Detached | £225,000 | Freehold |
| 22 Jul 2026 | 12, STANTON ROADPE31 6UT | Semi-Detached | £270,000 | Freehold |
| 22 Jul 2026 | 3, WINCHMORE ROWPE31 8NA | Terraced | £325,000 | Freehold |
| 22 Jul 2026 | BEECH HOUSE, FLEGG GREENPE33 9BA | Detached | £482,000 | Freehold |
| 20 Jul 2026 | 18, HOOTENS ROWPE38 0AH | Semi-Detached | £215,000 | Freehold |
| 17 Jul 2026 | 47, ST PAULS ROAD NORTHPE14 7DN | Detached | £290,000 | Freehold |
| 17 Jul 2026 | 14, WINFARTHING AVENUEPE30 5LY | Terraced | £128,000 | Freehold |
| 17 Jul 2026 | 8A, JUBILEE ROADPE31 7AS | Semi-Detached | £248,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · King's Lynn & West Norfolk 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 King's Lynn deals.
Typical pricing for bridging finance in King's Lynn. 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, King's Lynn
An indicative appraisal for a nine-unit residential scheme priced at King's Lynn'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
£2,607,000
Loan Amount
£1,695,000
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 King's Lynn
— answered.
How active is the development pipeline in King's Lynn?
The King's Lynn & West Norfolk Borough Council planning register currently shows 197 residential applications awaiting decision in King's Lynn, together proposing 531 units — the largest single scheme proposes 154 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
King's Lynn Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £262,080, 2,548 sales, -1.1% YoY. Norfolk county.
6 min read
Norfolk Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £263,540, 12,576 transactions, -2.6% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in King's Lynn 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
King's Lynn,
Norfolk.
Adjacent products
Other services
in King's Lynn.
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