Bath, Somerset
Bridging Finance
in Bath
Expert bridging finance for property developers in Bath. We connect you with competitive funding from our panel of 100+ lenders.
Bath, Somerset
Bridging Finance
in Bath.
Live market data
Bath
market snapshot.
HM Land Registry sold-price data for Bath over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £420,000
- Sales (12m)
- 1,778
- YoY change
- -1.4%
- Approved (recent)
- 994
- Pipeline units
- 1,581
- Pipeline GDV
- £646.4M
Planning pipeline
Planning activity
in Bath.
994 approved (last 16 months)
·306 pending
·1,581 units in pipeline·£646.4M estimated GDV·93% approval rate (last 16 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01748/FUL | Installation of air conditioning units. Queens Square House, Queen Square Place, City Centre, Bath, Bath And North East Somerset, BA1 2LL | - | - | Pending | 23/09/2026 |
| 26/01500/FUL | Replace 2 no. Velux roof windows at rear of property with dormer window. 61 Langdon Road, Southdown, Bath, Bath And North East Somerset, BA2 1LT | - | - | Pending | 23/09/2026 |
| 26/02418/FUL | Installation of new canopy to south and south-west elevations, modifications to … Cranborne , Station Road, Wellow, Bath, Bath And North East Somerset, BA2 8QB | - | - | Pending | 23/09/2026 |
| 26/03261/FUL | Erection of a new retail concession pod and associated signage. Sainsbury's Supermarket , 170 Frome Road, Odd Down, Bath, Bath And North East Somerset, BA2 5RF | - | - | Pending | 23/09/2026 |
| 26/02909/FUL | Creation of new vehicle access. 31 Van Diemen's Lane, Lansdown, Bath, Bath And North East Somerset, BA1 5TW | - | - | Pending | 23/09/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/03554/FUL | Erection of a rear dormer roof extension to facilitate conversion of the existin… 1 Fairfield Terrace, Peasedown St John, Bath, Bath And North East Somerset, BA2 8HL | - | - | Pending | 16/09/2026 |
| 26/03561/FUL | Change of use from Class E(d) to venue serving food/drinks (sui generis) and int… 3 - 4 Bath Street, City Centre, Bath, Bath And North East Somerset, BA1 1SB | - | - | Pending | 16/09/2026 |
| 26/03562/LBA | Change of use from Class E(d) to venue serving food/drinks (sui generis) and int… 3 - 4 Bath Street, City Centre, Bath, Bath And North East Somerset, BA1 1SB | - | - | Pending | 16/09/2026 |
| 26/03514/FUL | Renovation and refurbishment of two existing flats (ground floor, lower ground f… Flat 1 Basement, 13 Johnstone Street, Bathwick, Bath, Bath And North East Somerset, BA2 4DH | - | - | Pending | 15/09/2026 |
| 26/03515/LBA | Internal and external works for Renovation and refurbishment of two existing fla… Flat 1 Basement, 13 Johnstone Street, Bathwick, Bath, Bath And North East Somerset, BA2 4DH | - | - | Pending | 15/09/2026 |
Deal intelligence
Key schemes
in Bath.
Indicative appraisals of the largest residential schemes in the Bath planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £220.5M in combined GDV across 500 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Parcel 4234, Combe Hay Lane
£88.2M
Estimated GDV
Units
200
GDV / Unit
£441k
Build Cost (Range)
£27.9M–£35.4M
Residual Land Value
£21.6M
GDV estimated from the HM Land Registry blended median of £420,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £21,645,000 (£108k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £88.2M |
| Construction (13,600 sqm @ £2,330/sqm mid) | −£31.7M |
| Externals, fees & contingency | −£9.3M |
| Finance (65% LTGDV, 24m) & sales costs | −£10.1M |
| Developer profit target (17.5% on GDV) | −£15.4M |
| Implied residual land value | £21.6M |
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.
Major Residential Development Awaiting decision
Parcel 4679, Hayeswood Road
£75.0M
Estimated GDV
Units
170
GDV / Unit
£441k
Build Cost (Range)
£23.7M–£30.1M
Residual Land Value
£18.4M
GDV estimated from the HM Land Registry blended median of £420,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £18,398,000 (£108k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £75.0M |
| Construction (11,560 sqm @ £2,330/sqm mid) | −£26.9M |
| Externals, fees & contingency | −£7.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.6M |
| Developer profit target (17.5% on GDV) | −£13.1M |
| Implied residual land value | £18.4M |
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.
Demolition & New Build Awaiting decision
Parcel 4330, Paulton Road
£57.3M
Estimated GDV
Units
130
GDV / Unit
£441k
Build Cost (Range)
£18.1M–£23.0M
Residual Land Value
£14.1M
GDV estimated from the HM Land Registry blended median of £420,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £14,067,000 (£108k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £57.3M |
| Construction (8,840 sqm @ £2,330/sqm mid) | −£20.6M |
| Externals, fees & contingency | −£6.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£6.6M |
| Developer profit target (17.5% on GDV) | −£10.0M |
| Implied residual land value | £14.1M |
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 £420,000 plus a 5% new-build premium (assumed).
- Build cost: £2,050-£2,600/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 Bath.
1,778 residential transactions in the last twelve months. Median sold price £420,000 (-1.4% YoY). 14 new-build transactions with a +78.6% premium over existing stock.
Detached
£705,000
Semi-Detached
£475,000
Terraced
£415,000
Flat
£300,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 30 Jul 2026 | FLAT 17, CAXTON COURT, GROVE STREETBA2 6PN | Flat | £286,000 | Leasehold |
| 30 Jul 2026 | 24, ALPINE GARDENSBA1 5PE | Terraced | £420,000 | Leasehold |
| 28 Jul 2026 | 96, CATHERINE WAYBA1 7PA | Terraced | £380,000 | Freehold |
| 24 Jul 2026 | 64, SHERIDAN ROADBA2 1RB | Semi-Detached | £255,000 | Freehold |
| 24 Jul 2026 | 6, HERBERT GARDENSBA2 0FE | Terraced | £320,000 | Freehold |
| 23 Jul 2026 | 60, POPLAR CLOSEBA2 2HZ | Terraced | £350,000 | Freehold |
| 23 Jul 2026 | 27, LONGFELLOW AVENUEBA2 4SJ | Terraced | £795,000 | Freehold |
| 23 Jul 2026 | 101, ELMHURST ESTATEBA1 7NR | Terraced | £300,000 | Freehold |
| 22 Jul 2026 | BROOKSIDE, STAMBRIDGEBA1 7NH | Terraced | £220,000 | Freehold |
| 22 Jul 2026 | 19A, HENRIETTA STREETBA2 6LW | Flat | £415,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Bath & North East Somerset 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 Bath deals.
Typical pricing for bridging finance in Bath. 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, Bath
An indicative appraisal for a nine-unit residential scheme priced at Bath'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
£4,489,000
Loan Amount
£2,918,000
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 Bath
— answered.
How active is the development pipeline in Bath?
The Bath & North East Somerset Council planning register currently shows 306 residential applications awaiting decision in Bath, together proposing 1,098 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
Bath Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £420,000, 1,778 sales, -1.4% YoY. Somerset county.
6 min read
Somerset Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £297,500, 11,197 transactions, -1.3% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Bath 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
Bath,
Somerset.
Adjacent products
Other services
in Bath.
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