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Epsom
development finance.

Expert property development finance in Epsom, Surrey. Median price £540,000, 667 annual sales. We connect developers with competitive funding from 100+ lenders.

Start a Epsom dealOr call +44 20 3816 3693
Median price
£540k
Sales (12m)
667
YoY change
+2.1%
Aerial view of Guildford town with greenery

Epsom, Surrey

Property finance
in Epsom.

Epsom - attractive commuter town with hospital quarter regeneration and strong family housing demand. With a median property price of £540,000 and 667 transactions in the last twelve months, Epsom represents a steady market with prices up 2.1% year-on-year.

Detached homes command a median of £840,000 while flats average £315,000, reflecting the breadth of Epsom's residential market. Terraced houses sit at £500,000, offering developers a range of scheme types from conversions to ground-up residential.

Whether you need development finance for a ground-up scheme, bridging finance to secure a site at auction, or mezzanine finance to stretch your capital stack, our brokers arrange the full range of property finance across Epsom and the wider Surrey area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.

Epsom Property Market ReportSurrey County Market Report

The capital stack

Seven funding routes for
every Epsom scheme.

Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Epsom developers on the deal, not the product sheet.

Development Finance

Senior debt funding for ground-up residential and commercial developments.

From 6.5% p.a.Up to 65-70% LTGDV
Development Finance in Epsom

Mezzanine Finance

Stretch your capital stack beyond senior debt to reduce equity requirements.

From 12% p.a.Up to 85-90% LTGDV
Mezzanine Finance in Epsom

Bridging Loans

Short-term finance for acquisitions, auction purchases and time-sensitive deals.

From 0.55% p.m.Up to 75% LTV
Bridging Loans in Epsom

Equity & Joint Ventures

Equity partnerships and JV structures for developers seeking capital partners.

Profit share from 40%Up to 100% of costs
Equity & Joint Ventures in Epsom

Refurbishment Finance

Funding for light and heavy refurbishment projects including conversions.

From 0.65% p.m.Up to 75% LTV
Refurbishment Finance in Epsom

Commercial Mortgages

Long-term finance for commercial property acquisition and refinancing.

From 5.5% p.a.Up to 75% LTV
Commercial Mortgages in Epsom

Development Exit Finance

Short-term funding to repay development finance while you sell completed units.

From 0.55% p.m.Up to 75% LTV
Development Exit Finance in Epsom

Live market data

Epsom
market snapshot.

HM Land Registry sold-price data for Epsom over the last twelve months, cross-referenced with local planning pipeline. Updated weekly.

Median price
£540,000
Sales (12m)
667
YoY change
+2.1%
Approved (12m)
0
Pipeline units
367
Pipeline GDV
£177.1M

Epsom development appraisal

Model the numbers
for your scheme.

Pre-populated with Epsom median prices and typical senior-debt pricing. Adjust the inputs to match your deal and we will hand the working assumptions through to the Deal Room.

Scheme Inputs

Pre-populated with Epsom median prices. Adjust to match your scheme.

£
£
£
%

Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →

Capital Structure

Total Cost£2,746,260
Senior Debt (65% LTGDV)£2,445,300
Equity Required£300,960
Interest (18m)£275,096
Profit on Cost24.5%
Senior Debt£2,445,300
Equity£300,960
Get Terms for This Scheme

Land Registry data

Recent property sales
in Epsom.

667 residential transactions in the last twelve months. Median sold price £540,000 (+2.1% YoY)

Detached

£840,000

Semi-Detached

£627,000

Terraced

£500,000

Flat

£315,000

DateAddressTypePrice
12 Feb 202650, MIDDLE LANEKT17 1DPTerraced£545,750
9 Feb 20265, FARRIERS CLOSEKT17 1LSFlat£265,000
6 Feb 202615, MULBERRY CLOSEKT19 8FXDetached£980,000
6 Feb 2026110, MEADOW WALKKT19 0BADetached£830,000
6 Feb 202633, LOWER HILL ROADKT19 8LSSemi-Detached£990,000
6 Feb 202618, VILLAGE GARDENSKT17 1XXFlat£215,000
5 Feb 202635, FAIRFIELD WAYKT19 0EFSemi-Detached£720,000
3 Feb 202631A, ROSEBERY ROADKT18 6AFFlat£377,500
2 Feb 20268, GROVE HOUSE, THE GROVEKT17 4DJFlat£215,000
30 Jan 20263, OAK GLADEKT19 8NDTerraced£520,000

Planning pipeline

Planning activity
in Epsom.

0 approved (12m)
·
50 pending
·126 units in pipeline·£68.0M estimated GDV·0% approval rate

Current Applications

RefProposalUnitsEst. GDVStatus
26/00420/FUL

Single storey side extension (retrospective)

The Rose 1 The Parade Vale Road Worcester Park Surrey KT4 7EE

--Pending
26/00219/FUL

Single storey rear extension

380A Chessington Road West Ewell Surrey KT19 9EG

--Pending
26/00416/LBA

Listed Building Consent: Internal damp-proofing works to front elevation wall an…

11 Woodcote Road Epsom Surrey KT18 7QS

--Pending
26/00489/PDCOU

Prior Approval Schedule 2, Part 3, Class M: Change of use of existing launderett…

Launderclean 33 Waterloo Road Epsom Surrey KT19 8EX

1£540,000Pending
26/00343/LBA

Restoration and repair on areas where the render is cracked, pealing or falling …

Epsom Beaumont 20 - 22 Church Street Epsom Surrey KT17 4QB

--Pending

Common questions

Property finance in Epsom
— answered.

What is the average property price in Epsom?
The median property price in Epsom is £540,000, based on Land Registry transactions over the past 12 months. Broken down by type: detached homes at £840,000, semi-detached properties at £627,000, terraced houses at £500,000, flats at £315,000.
Is Epsom a good area for property development?
Epsom recorded 667 property transactions in the last 12 months, with prices up 2.1% year-on-year - suggesting sustained buyer demand. Attractive commuter town with hospital quarter regeneration and strong family housing demand. Active transaction volumes indicate a liquid market where completed developments can achieve timely sales.
What types of property finance are available in Epsom?
We arrange the full range of property development finance in Epsom: development finance for ground-up schemes, bridging loans for auction purchases and chain breaks, mezzanine finance to stretch your capital stack, refurbishment finance for conversion projects, commercial mortgages for income-producing assets, equity and joint ventures for larger schemes, and development exit finance for completed projects awaiting sales.
How do I apply for development finance in Epsom?
Start by submitting your deal through our Deal Room with your project details - site address, purchase price, build costs, and expected end value. Our team will review your scheme, model the funding structure, and present you with terms from our panel of over 100 lenders within 48 hours. There's no upfront fee and no obligation until you choose to proceed.
What are typical development finance rates in Epsom?
Development finance rates for Epsom projects typically range from 7-11% per annum, depending on scheme size, developer experience, and leverage. For a scheme with a GDV of around £3.8M, you could expect senior debt at 60-70% of GDV with rates from 7.5%. Arrangement fees are usually 1-2% of the facility. We negotiate the best available terms from our lender panel for each deal.

Expert guides

Further reading
on development finance.

Bank vs Specialist Development Finance: Pros, Cons and When to Use Each

7 min read read

Fixed vs Variable Bridging Rates: Which Saves You More?

6 min read read

Permitted Development Rights: A Finance Guide for Developers

10 min read read

Development Finance for First-Time Developers: What You Need to Know

4 min read read
View all guides

Where we fund

Epsom,
Surrey.

Nearby markets

Adjacent towns
we also fund.

Guildford

Median · £495,000

County town with university-driven demand and premium family housing market in surrounding villages

Woking

Median · £420,000

Major town centre regeneration with Victoria Square transforming the commercial core

Redhill

Median · £471,250

East Surrey hub with improving town centre and fast London services via Thameslink

Farnham

Median · £545,000

Historic market town with premium values and creative arts university presence

Weybridge

Median · £650,000

Affluent Elmbridge town with ultra-premium residential market and limited development supply

Camberley

Median · £475,000

Western Surrey town with Ministry of Defence presence and growing commercial sector

Ready when you are

Tell us the deal.
We’ll recommend the structure.

Submit your development finance enquiry in Epsom 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.

Enter the Deal RoomOr call +44 20 3816 3693