Camberley, Surrey
Bridging Finance
in Camberley
Expert bridging finance for property developers in Camberley. We connect you with competitive funding from our panel of 100+ lenders.
Camberley, Surrey
Bridging Finance
in Camberley.
Live market data
Camberley
market snapshot.
HM Land Registry sold-price data for Camberley over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £475,000
- Sales (12m)
- 1,356
- YoY change
- +1.1%
- Approved (recent)
- 43
- Pipeline units
- 557
- Pipeline GDV
- £239.4M
Planning pipeline
Planning activity
in Camberley.
43 approved (last 12 months)
·37 pending
·557 units in pipeline·£239.4M estimated GDV·74% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/1185/FFU | Change of use of amenity land to residential curtilage. 1 Arethusa Way Bisley Woking Surrey GU24 9BZ | 1 | £475,000 | Pending | |
| 25/1184/FFU | Erection of replacement dwelling following demolition of existing dwelling (self… Tolivar Beldam Bridge Road West End Woking Surrey GU24 9LP | - | - | Pending | |
| 25/1168/FFU | Demolition of existing dwelling and erection of replacement, self-build dwelling… 77 Iberian Way Camberley Surrey GU15 1LZ | - | - | Pending | |
| 25/1303/FFU | Change of use of amenity land to residential and erection of new boundary wall. 73 Buckingham Way Frimley Camberley Surrey GU16 8XP | 1 | £475,000 | Pending | |
| 25/1282/GPE | Prior approval for two larger home extensions (Schedule 2, Part 1, Class A), one… Forgans Bagshot Road Chobham Woking Surrey GU24 8SJ | - | - | Pending |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/1224/FFU | Conversion of existing Class E (commercial) to Class C3 (residential), erection … 23 High Street West End Woking Surrey GU24 9PL | 1 | £475,000 | Pending | |
| 25/1312/FFU | Erection of three dwellings (one self-build), including landscaping and hardstan… West Lodge London Road Bagshot Surrey GU19 5HZ | 3 | £1.4M | Pending | |
| 25/1307/FFU | Subdivision of the plot, the erection of a pair of two bed semi detached houses,… Land Rear Of 252 Guildford Road Bisley Woking Surrey | - | - | Pending | |
| 25/1300/MPO | Variation to Section 2 Planning Obligations of the Section 106 agreement dated 1… Princess Royal Barracks Brunswick Road Deepcut Camberley Surrey GU16 6RN | - | - | Pending | |
| 25/1295/FFU | Erection of two detached dwellings together with associated works, following dem… Pennypot Farm Bagshot Road West End Woking Surrey GU24 9QR | 2 | £1.4M | Pending |
Deal intelligence
Key schemes
in Camberley.
Indicative appraisals of the largest residential schemes in the Camberley planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £113.4M in combined GDV across 219 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Heathpark Wood Heathpark Drive Windlesham Surrey
£74.2M
Estimated GDV
Units
140
GDV / Unit
£530k
Build Cost (Range)
£21.4M–£27.1M
Residual Land Value
£21.3M
GDV estimated from the HM Land Registry blended median of £475,000 plus a 11.6% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £21,301,000 (£152k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £74.2M |
| Construction (9,520 sqm @ £2,550/sqm mid) | −£24.3M |
| Externals, fees & contingency | −£7.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.5M |
| Developer profit target (17.5% on GDV) | −£13.0M |
| Implied residual land value | £21.3M |
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.
Residential Development Awaiting decision
Loen St Catherines Road Frimley Camberley Surrey GU16 7NJ
£23.3M
Estimated GDV
Units
49
GDV / Unit
£475k
Build Cost (Range)
£4.7M–£5.9M
Residual Land Value
£10.2M
GDV estimated from the HM Land Registry blended median of £475,000. At benchmark build costs, the implied residual land value is £10,211,000 (£208k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £23.3M |
| Construction (3,332 sqm @ £1,580/sqm mid) | −£5.3M |
| Externals, fees & contingency | −£1.4M |
| Finance (65% LTGDV, 18m) & sales costs | −£2.3M |
| Developer profit target (17.5% on GDV) | −£4.1M |
| Implied residual land value | £10.2M |
Broker insight: For a 49-unit scheme in Camberley, 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.
Residential Development Awaiting decision
Castle Grove Nursery Scotts Grove Road Chobham Woking Surrey GU24 8DY
£15.9M
Estimated GDV
Units
30
GDV / Unit
£530k
Build Cost (Range)
£4.6M–£5.8M
Residual Land Value
£5.0M
GDV estimated from the HM Land Registry blended median of £475,000 plus a 11.6% new-build premium (measured locally). At benchmark build costs, the implied residual land value is £4,967,000 (£166k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £15.9M |
| Construction (2,040 sqm @ £2,550/sqm mid) | −£5.2M |
| Externals, fees & contingency | −£1.4M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.6M |
| Developer profit target (17.5% on GDV) | −£2.8M |
| Implied residual land value | £5.0M |
Broker insight: For a 30-unit scheme in Camberley, 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 £475,000 plus a 11.6% new-build premium (measured locally).
- 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 Camberley.
1,356 residential transactions in the last twelve months. Median sold price £475,000 (+1.1% YoY). 19 new-build transactions with a +11.6% premium over existing stock.
Detached
£708,000
Semi-Detached
£470,000
Terraced
£389,750
Flat
£230,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jul 2026 | 2, COTTESLOE CLOSEGU24 9BS | Detached | £500,000 | Freehold |
| 24 Jul 2026 | 125, CUMBERLAND ROADGU15 1RE | Terraced | £475,000 | Freehold |
| 23 Jul 2026 | 13, HIGHBURY CRESCENTGU15 1JZ | Detached | £860,000 | Freehold |
| 23 Jul 2026 | FLAT 6, BROOKFIELD COURT, 1, BROADWAY ROADGU18 5SL | Flat | £210,000 | Leasehold |
| 23 Jul 2026 | 1, TUDOR COURT, LONDON ROADGU20 6PJ | Flat | £330,000 | Leasehold |
| 20 Jul 2026 | 23, CORBETT DRIVEGU18 5LA | Flat | £420,000 | Leasehold |
| 17 Jul 2026 | WITTS END, SPRINGFIELD ROADGU15 1AE | Detached | £1,450,000 | Freehold |
| 17 Jul 2026 | 63, WHARF ROADGU16 6PR | Semi-Detached | £515,000 | Freehold |
| 15 Jul 2026 | 26, JAMES ROADGU15 2RG | Semi-Detached | £515,000 | Freehold |
| 14 Jul 2026 | 56, THE COURTYARD, SOUTHWELL PARK ROADGU15 3GL | Flat | £220,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Surrey Heath 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 Camberley deals.
Typical pricing for bridging finance in Camberley. 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, Camberley
An indicative appraisal for a nine-unit residential scheme priced at Camberley'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
£4,721,000
Loan Amount
£3,069,000
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 Camberley
— answered.
How active is the development pipeline in Camberley?
The Surrey Heath Borough Council planning register currently shows 37 residential applications awaiting decision in Camberley, together proposing 248 units — the largest single scheme proposes 140 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
Camberley Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £475,000, 1,356 sales, +1.1% YoY. Surrey county.
6 min read
Surrey Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
10 towns analysed. Median price £485,000, 14,914 transactions, +0.7% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Camberley 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
Camberley,
Surrey.
Adjacent products
Other services
in Camberley.
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