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York, North Yorkshire
Bridging Finance
in York
Expert bridging finance for property developers in York. We connect you with competitive funding from our panel of 100+ lenders.
York, North Yorkshire
Bridging Finance
in York.
Live market data
York
market snapshot.
HM Land Registry sold-price data for York over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £300,000
- Sales (12m)
- 3,048
- YoY change
- Flat
- Approved (recent)
- 508
- Pipeline units
- 738
- Pipeline GDV
- £218.3M
Planning pipeline
Planning activity
in York.
508 approved (last 12 months)
·155 pending
·738 units in pipeline·£218.3M estimated GDV·80% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/01944/LBC | Internal and external works including alterations to ground floor shower room, e… 4 Chapter House Street York YO1 7JH | - | - | Pending | 22/10/2025 |
| 25/01942/FUL | Installation of 3no. steel lighting columns to car park area and installation of… Moss Tyres And Exhausts Ltd Unit 7 Kettlestring Lane York YO30 4WF | - | - | Pending | 30/09/2025 |
| 25/01949/FUL | Single storey side and rear extensions and dormers to front and rear roofslopes 48 Carrfield York YO24 2SG | - | - | Pending | 11/11/2025 |
| 25/02179/FUL | Retention and continued use of up to 16no. storage containers and part change of… Langwith House Farm Langwith Stray Heslington York YO10 5EJ | - | - | Pending | 02/12/2025 |
| 25/02183/FUL | Subdivision of House in Multiple Occupation (13 Occupants) into 1 no. House in M… 8 Green Dykes Lane York YO10 3HA | 1 | £300,000 | Pending | 03/11/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01647/FUL | Improvements to existing school car park including resurfacing, formalised drain… Archbishop Holgates School Hull Road York YO10 5ZA | - | - | Pending | 22/09/2026 |
| 26/01707/FUL | Change of use of existing second floor office space (Use Class E) to a tattoo st… Second Floor 12 - 14 Bootham York YO30 7BL | - | - | Pending | 18/09/2026 |
| 26/01710/LBC | External redecoration of shopfront Zatchels 50 Stonegate York YO1 8AS | - | - | Pending | 18/09/2026 |
| 26/01566/FUL | Change of use from dwelling house (use Class C3) to House in Multiple Occupation… 24 Hawthorn Street York YO31 0XP | 1 | £300,000 | Pending | 17/09/2026 |
| 26/01699/FUL | Erection of agricultural building for the storage of grain Agricultural Building Rufforth Airfield Rufforth York | - | - | Pending | 17/09/2026 |
Deal intelligence
Key schemes
in York.
Indicative appraisals of the largest residential schemes in the York planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £219.9M in combined GDV across 628 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Site To The West Of The A1237 And South Of North Lane Huntington York
£109.9M
Estimated GDV
Units
314
GDV / Unit
£350k
Build Cost (Range)
£38.4M–£49.1M
Residual Land Value
£21.4M
GDV estimated from the HM Land Registry blended median of £300,000 plus a 16.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £21,444,000 (£68k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £109.9M |
| Construction (21,352 sqm @ £2,050/sqm mid) | −£43.8M |
| Externals, fees & contingency | −£12.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£12.6M |
| Developer profit target (17.5% on GDV) | −£19.2M |
| Implied residual land value | £21.4M |
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
Site To The West Of The A1237 And South Of North Lane Huntington York
£59.5M
Estimated GDV
Units
170
GDV / Unit
£350k
Build Cost (Range)
£20.8M–£26.6M
Residual Land Value
£11.6M
GDV estimated from the HM Land Registry blended median of £300,000 plus a 16.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £11,611,000 (£68k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £59.5M |
| Construction (11,560 sqm @ £2,050/sqm mid) | −£23.7M |
| Externals, fees & contingency | −£7.0M |
| Finance (65% LTGDV, 24m) & sales costs | −£6.8M |
| Developer profit target (17.5% on GDV) | −£10.4M |
| Implied residual land value | £11.6M |
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.
Demolition & New Build Awaiting decision
York Central Leeman Road York
£50.4M
Estimated GDV
Units
144
GDV / Unit
£350k
Build Cost (Range)
£17.6M–£22.5M
Residual Land Value
£9.8M
GDV estimated from the HM Land Registry blended median of £300,000 plus a 16.7% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £9,836,000 (£68k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £50.4M |
| Construction (9,792 sqm @ £2,050/sqm mid) | −£20.1M |
| Externals, fees & contingency | −£5.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£5.8M |
| Developer profit target (17.5% on GDV) | −£8.8M |
| Implied residual land value | £9.8M |
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 £300,000 plus a 16.7% new-build premium (measured locally).
- Build cost: £1,800-£2,300/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 York.
3,048 residential transactions in the last twelve months. Median sold price £300,000. 79 new-build transactions with a +16.7% premium over existing stock.
Detached
£434,728
Semi-Detached
£300,125
Terraced
£275,000
Flat
£192,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 28 Jul 2026 | 1, SOUTHFIELD CLOSEYO23 3RE | Detached | £435,000 | Freehold |
| 27 Jul 2026 | 7, PROSPECT TERRACEYO10 4PT | Terraced | £265,000 | Freehold |
| 27 Jul 2026 | 8, CHURCH GATEYO26 5BW | Semi-Detached | £320,000 | Freehold |
| 24 Jul 2026 | 13, FERN STREETYO31 7QU | Terraced | £260,000 | Freehold |
| 24 Jul 2026 | 24, MARSTON AVENUEYO26 5DG | Semi-Detached | £191,000 | Freehold |
| 24 Jul 2026 | 55, FRONT STREETYO24 3BR | Terraced | £157,500 | Freehold |
| 23 Jul 2026 | 17, GREENGALES LANEYO19 6BW | Detached | £385,000 | Freehold |
| 23 Jul 2026 | 28, FAIRFAX STREETYO1 6EB | Terraced | £500,000 | Freehold |
| 20 Jul 2026 | 15, WINDSOR GARTHYO24 4QG | Semi-Detached | £218,000 | Freehold |
| 20 Jul 2026 | 19, HEWORTH MEWSYO31 7XX | Flat | £150,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · City of York 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 York deals.
Typical pricing for bridging finance in York. 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, York
An indicative appraisal for a nine-unit residential scheme priced at York'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
£3,152,000
Loan Amount
£2,049,000
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 York
— answered.
How active is the development pipeline in York?
The City of York Council planning register currently shows 155 residential applications awaiting decision in York, together proposing 364 units — the largest single scheme proposes 170 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
York Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £300,000, 3,048 sales, 0% YoY. North Yorkshire county.
6 min read
North Yorkshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £282,500, 8,629 transactions, -1.8% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in York 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
York,
North Yorkshire.
Adjacent products
Other services
in York.
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