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Lichfield, Staffordshire
Bridging Finance
in Lichfield
Expert bridging finance for property developers in Lichfield. We connect you with competitive funding from our panel of 100+ lenders.
Lichfield, Staffordshire
Bridging Finance
in Lichfield.
Live market data
Lichfield
market snapshot.
HM Land Registry sold-price data for Lichfield over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £303,581
- Sales (12m)
- 1,253
- YoY change
- Flat
- Pipeline units
- 3,190
- Pipeline GDV
- £942.9M
Planning pipeline
Planning activity
in Lichfield.
55 residential applications awaiting decision
·872 units in pipeline·£243.9M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00992/COU | Conversion of existing agricultural buildings to form 2no. dwellinghouses and as… Woods Farm Wood End Lane Fradley Lichfield Staffordshire WS13 8ET | 1 | £303,581 | Pending | 10/08/2026 |
| 26/01008/FUL | Retention of parking layout, landscaping and planting in association with Fitnes… The Old House Deanslade Farm Claypit Lane Lichfield Staffordshire WS14 0AG | - | - | Pending | 10/08/2026 |
| 26/00990/FUL | Erection of 2 bedroom dwelling and associated works 8 Chapel Lane Whittington Lichfield Staffordshire WS14 9JT | 2 | £607,162 | Pending | 07/08/2026 |
| 26/00986/LBC | Works to listed building including the erection of a side porch The Stables Marsh Barn Farm Uttoxeter Road Handsacre Rugeley Staffordshire WS15 4EA | - | - | Pending | 07/08/2026 |
| 26/00983/FUL | Installation of 3no. prefabricated modular units to provide additional accessibl… Chasetown Football Club Church Street Chasetown Burntwood Staffordshire WS7 3QL | - | - | Pending | 06/08/2026 |
Deal intelligence
Key schemes
in Lichfield.
Indicative appraisals of the largest residential schemes in the Lichfield planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £239.8M in combined GDV across 820 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land At Grove Hill Chester Road Aldridge Walsall Staffordshire
£143.4M
Estimated GDV
Units
450
GDV / Unit
£319k
Build Cost (Range)
£58.1M–£73.4M
Residual Land Value
£16.8M
GDV estimated from the HM Land Registry blended median of £303,581 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £16,759,000 (£37k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £143.4M |
| Construction (30,600 sqm @ £2,150/sqm mid) | −£65.8M |
| Externals, fees & contingency | −£19.3M |
| Finance (65% LTGDV, 24m) & sales costs | −£16.5M |
| Developer profit target (17.5% on GDV) | −£25.1M |
| Implied residual land value | £16.8M |
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.
Major Residential Development Awaiting decision
Land North Of Fisherwick Road Fisherwick Lichfield Staffordshire
£73.3M
Estimated GDV
Units
230
GDV / Unit
£319k
Build Cost (Range)
£29.7M–£37.5M
Residual Land Value
£8.6M
GDV estimated from the HM Land Registry blended median of £303,581 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £8,567,000 (£37k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £73.3M |
| Construction (15,640 sqm @ £2,150/sqm mid) | −£33.6M |
| Externals, fees & contingency | −£9.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.4M |
| Developer profit target (17.5% on GDV) | −£12.8M |
| Implied residual land value | £8.6M |
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
Land At Birmingham Road Lichfield Staffordshire
£23.1M
Estimated GDV
Units
140
GDV / Unit
£165k
Build Cost (Range)
£16.8M–£21.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £157,000 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 | £23.1M |
| Construction (8,820 sqm @ £2,150/sqm mid) | −£19.0M |
| Externals, fees & contingency | −£5.6M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.6M |
| Developer profit target (17.5% on GDV) | −£4.0M |
| 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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £303,581 plus a 5% new-build premium (assumed).
- Build cost: £1,900-£2,400/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 Lichfield.
1,253 residential transactions in the last twelve months. Median sold price £303,581. 55 new-build transactions with a -23.1% premium over existing stock.
Detached
£480,000
Semi-Detached
£280,000
Terraced
£240,000
Flat
£157,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 19 Jun 2026 | 5, MITCHELL CLOSEWS13 8SL | Detached | £355,000 | Freehold |
| 19 Jun 2026 | 6, FRIARY GARDENSWS13 6QU | Detached | £1,015,000 | Freehold |
| 19 Jun 2026 | 12, TELFORD CLOSEWS7 9LQ | Detached | £450,000 | Freehold |
| 19 Jun 2026 | 10, MANOR LANEB79 9JS | Detached | £675,000 | Freehold |
| 19 Jun 2026 | 44, WISSAGE LANEWS13 6DF | Semi-Detached | £297,000 | Freehold |
| 16 Jun 2026 | 22, CARMICHAEL CLOSEWS14 9YW | Detached | £495,000 | Freehold |
| 16 Jun 2026 | 12, AGINCOURT ROADWS14 0GH | Detached | £424,000 | Freehold |
| 12 Jun 2026 | 3, THE WOODLANDSWS13 6XE | Detached | £440,000 | Freehold |
| 12 Jun 2026 | 6, BEECH WALKWS15 4PH | Semi-Detached | £337,500 | Freehold |
| 12 Jun 2026 | 151, HIGHFIELDS ROADWS7 4QT | Detached | £180,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Lichfield 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 Lichfield deals.
Typical pricing for bridging finance in Lichfield. 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, Lichfield
An indicative appraisal for a nine-unit residential scheme priced at Lichfield'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
£2,646,000
Loan Amount
£1,720,000
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 Lichfield
— answered.
How active is the development pipeline in Lichfield?
The Lichfield District Council planning register currently shows 55 residential applications awaiting decision in Lichfield, together proposing 872 units — the largest single scheme proposes 450 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
Lichfield Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £300,000, 1,294 sales, 0% YoY. Staffordshire county.
5 min read
Staffordshire Property Market: Prices, Trends & Development Finance, End of H1 2026
7 towns analysed. Median price £227,250, 10,347 transactions, +0.6% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Lichfield 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
Lichfield,
Staffordshire.
Adjacent products
Other services
in Lichfield.
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