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Witney, Oxfordshire
Bridging Finance
in Witney
Expert bridging finance for property developers in Witney. We connect you with competitive funding from our panel of 100+ lenders.
Witney, Oxfordshire
Bridging Finance
in Witney.
Live market data
Witney
market snapshot.
HM Land Registry sold-price data for Witney over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £390,000
- Sales (12m)
- 1,211
- YoY change
- -0.8%
- Pipeline units
- 2,671
- Pipeline GDV
- £1034.8M
Planning pipeline
Planning activity
in Witney.
120 residential applications awaiting decision
·441 units in pipeline·£171.8M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01318/S73 | Variation of condition 2 of planning permission 23/01363/FUL to allow changes to… Building Known As Threshing Barn Home Farm Kelmscott Oxfordshire | - | - | Pending | |
| 26/01307/S73 | Variation of condition 2 of planning permission 25/01785/HHD to allow alteration… Manor Farm Main Road Curbridge Witney Oxfordshire OX29 7NT | - | - | Pending | |
| 26/01281/LBC | Alterations and improvements to the existing dwelling, including removal and rep… Wootton Place Church Street Wootton Woodstock Oxfordshire OX20 1EA | - | - | Pending | |
| 26/01285/LBC | Repair works to existing dormer window to replace outworn opening leaves togethe… The Chequers Church Road Churchill Chipping Norton Oxfordshire OX7 6NJ | - | - | Pending | |
| 26/01282/LBC | Removal of secondary double glazing, replacement of some of the glass within the… The Shrubbery 26 High Street Eynsham Witney Oxfordshire OX29 4HB | - | - | Pending |
Deal intelligence
Key schemes
in Witney.
Indicative appraisals of the largest residential schemes in the Witney planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £153.6M in combined GDV across 375 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land On West Side Of The Downs Standlake Oxfordshire
£81.9M
Estimated GDV
Units
200
GDV / Unit
£410k
Build Cost (Range)
£30.6M–£38.8M
Residual Land Value
£13.3M
GDV estimated from the HM Land Registry blended median of £390,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £13,297,000 (£66k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £81.9M |
| Construction (13,600 sqm @ £2,550/sqm mid) | −£34.7M |
| Externals, fees & contingency | −£10.2M |
| Finance (65% LTGDV, 24m) & sales costs | −£9.4M |
| Developer profit target (17.5% on GDV) | −£14.3M |
| Implied residual land value | £13.3M |
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 East Of Litchfield Farm Lidstone Road Enstone Oxfordshire
£41.0M
Estimated GDV
Units
100
GDV / Unit
£410k
Build Cost (Range)
£15.3M–£19.4M
Residual Land Value
£6.7M
GDV estimated from the HM Land Registry blended median of £390,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £6,650,000 (£67k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £41.0M |
| Construction (6,800 sqm @ £2,550/sqm mid) | −£17.3M |
| Externals, fees & contingency | −£5.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£4.7M |
| Developer profit target (17.5% on GDV) | −£7.2M |
| Implied residual land value | £6.7M |
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
Land To The West Of Common Road North Leigh Oxfordshire
£30.7M
Estimated GDV
Units
75
GDV / Unit
£410k
Build Cost (Range)
£11.5M–£14.5M
Residual Land Value
£5.0M
GDV estimated from the HM Land Registry blended median of £390,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £4,987,000 (£66k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £30.7M |
| Construction (5,100 sqm @ £2,550/sqm mid) | −£13.0M |
| Externals, fees & contingency | −£3.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.5M |
| Developer profit target (17.5% on GDV) | −£5.4M |
| Implied residual land value | £5.0M |
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 £390,000 plus a 5% new-build premium (assumed).
- Build cost: £2,250-£2,850/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 Witney.
1,211 residential transactions in the last twelve months. Median sold price £390,000 (-0.8% YoY). 2 new-build transactions with a % premium over existing stock.
Detached
£575,000
Semi-Detached
£380,000
Terraced
£335,000
Flat
£200,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 26 Jun 2026 | 4, VANBRUGH CLOSEOX20 1YB | Semi-Detached | £416,000 | Freehold |
| 24 Jun 2026 | 41, QUEEN STREETOX29 4HH | Semi-Detached | £333,000 | Freehold |
| 22 Jun 2026 | 18, GREGORY PLACEOX29 7AW | Semi-Detached | £322,500 | Freehold |
| 19 Jun 2026 | 23, EVANS WAYOX7 5QX | Semi-Detached | £470,000 | Freehold |
| 19 Jun 2026 | 4, ST JAMES COURTOX29 8QW | Detached | £248,558 | Freehold |
| 19 Jun 2026 | 6, MILL STREET MEWSOX29 4XA | Terraced | £288,000 | Leasehold |
| 17 Jun 2026 | 4, MOSSIE WALKOX29 7DJ | Flat | £215,000 | Leasehold |
| 16 Jun 2026 | 3A, THE LEYSOX7 5HQ | Detached | £650,000 | Freehold |
| 15 Jun 2026 | 12, BLACKTHORN MEWSOX18 1LU | Terraced | £219,000 | Freehold |
| 15 Jun 2026 | 30, FARMINGTON DRIVEOX28 5GJ | Terraced | £230,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · West Oxfordshire District 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 Witney deals.
Typical pricing for bridging finance in Witney. 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, Witney
An indicative appraisal for a nine-unit residential scheme priced at Witney'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
£3,591,000
Loan Amount
£2,334,000
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 Witney
— answered.
How active is the development pipeline in Witney?
The West Oxfordshire District Council planning register currently shows 120 residential applications awaiting decision in Witney, together proposing 441 units — the largest single scheme proposes 200 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
Witney Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £390,288, 1,270 sales, +0.1% YoY. Oxfordshire county.
5 min read
Oxfordshire Property Market: Prices, Trends & Development Finance, End of H1 2026
8 towns analysed. Median price £390,144, 6,258 transactions, -3% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Witney 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
Witney,
Oxfordshire.
Adjacent products
Other services
in Witney.
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