ccConstruction Capital

Independent London brokerage. 25+ years of property-finance experience, distilled into one principal.

London, United Kingdom

Services

  • Development Finance
  • Mezzanine Finance
  • Bridging Loans
  • Equity & JV
  • Refurbishment
  • Commercial Mortgages
  • Development Exit

The firm

  • About Matt Lenzie
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  • Start a deal

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All locations

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Construction Capital is an independent commercial finance brokerage arranging funding for UK property developers and investors. Property development finance, commercial bridging and other business-purpose lending are not regulated activities under FSMA 2000 and are not regulated by the Financial Conduct Authority.

Where a product is a regulated activity — for example, bridging secured on a borrower’s main residence — we arrange it through lenders who hold the relevant FCA permissions. We are not an FCA-authorised firm. Every offer is subject to the lender’s underwriting, valuation and legal due diligence.

Construction Capital is a trading name of Lenzie Consulting Ltd, a company registered in England & Wales under company number 08174104. Registered office: Lynch Farm, The Lynch, Kensworth, Dunstable, Bedfordshire LU6 3QZ.

© 2026 Construction Capital. All rights reserved.

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  1. Home/
  2. Locations/
  3. Surrey/
  4. Epsom/
  5. Bridging Finance

Epsom, Surrey

Bridging Finance
in Epsom

Expert bridging finance for property developers in Epsom. We connect you with competitive funding from our panel of 100+ lenders.

Get bridging finance termsOr call +44 20 3816 3693
Aerial view of Guildford town with greenery

Epsom, Surrey

Bridging 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)
718
YoY change
+2.9%
Approved (12m)
0
Pipeline units
30
Pipeline GDV
£16.2M

Planning pipeline

Planning activity
in Epsom.

0 approved (12m)
·
2 pending
·30 units in pipeline·£16.2M estimated GDV·0% approval rate

Current Applications

RefProposalUnitsEst. GDVStatusDate
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£540,000Pending24/04/2026
26/00469/PDCOU

Prior Approval Schedule 2, Part 3, Class MA: Change of Use from Commercial, Busi…

64 - 74 East Street Epsom Surrey KT17 1HB

29£15.7MPending22/04/2026

Deal intelligence

Key schemes
in Epsom.

Financial analysis of the largest approved planning applications in Epsom, Surrey. These 1 schemes represent £15.7M in combined GDV across 29 units, with indicative capital stacks for each.

Permitted Development Conversion

64 - 74 East Street Epsom Surrey KT17 1HB

£15.7M

Estimated GDV

Units

29

GDV / Unit

£540k

Est. Build Cost

£5.5M

Est. Profit on GDV

57.0%

At £540k per unit, this scheme prices 0% below the Epsom median of £540,000. Calculate GDV

Indicative Capital Stack

Senior Debt70% (£11.0M)Mezzanine15% (£2.3M)Developer Equity15% (£2.3M)

Broker insight: Conversion schemes under Permitted Development rights can complete faster with refurbishment finance at up to 70% LTV. Bridging loans can secure the acquisition in 7-14 days while the full facility is arranged.

Get Terms for This Scheme
Appraise this dealSDLT CalculatorS106 / CILBlended Cost
Submit Your SchemeView full Epsom market dataSurrey market report

Land Registry data

Recent property sales
in Epsom.

718 residential transactions in the last twelve months. Median sold price £540,000 (+2.9% YoY)

Detached

£857,500

Semi-Detached

£625,000

Terraced

£500,000

Flat

£314,500

DateAddressTypePriceTenure
26 Mar 20264, HAZON WAYKT19 8HDSemi-Detached£800,000Freehold
24 Mar 202624, WEST GARDENSKT17 1NEDetached£855,000Freehold
19 Mar 2026FLAT 21, THE OLD COURTHOUSE, THE PARADEKT18 5FAFlat£290,000Leasehold
18 Mar 202686, JASMIN ROADKT19 9EASemi-Detached£525,000Freehold
13 Mar 2026FLAT 104, CAPITOL SQUARE, 4 - 6, CHURCH STREETKT17 4NRFlat£210,000Leasehold
13 Mar 2026447A, KINGSTON ROADKT19 0DBFlat£210,000Leasehold
13 Mar 202624, ANDREWS CLOSEKT17 4EXSemi-Detached£569,000Freehold
12 Mar 202615, ST THERESA CLOSEKT18 7LDSemi-Detached£760,000Freehold
12 Mar 202611, SOUTH MEADKT19 0AYDetached£780,000Freehold
12 Mar 20265, LANE ENDKT18 7SBSemi-Detached£575,000Freehold

Indicative terms

Bridging Finance rates
for Epsom deals.

Typical pricing for bridging finance in Epsom. 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.

Development Project in Epsom

A property development project in Epsom requiring structured finance.

GDV

£3,000,000

Loan Amount

£2,000,000

LTV

65% LTGDV

Loan Type

Development Finance

Representative only. Actual terms vary based on scheme specifics and are issued after underwriting.

Common questions

Bridging Finance in Epsom
— answered.

Market intelligence

Local market
reports.

5 min read

Epsom Property Market: House Prices, Sold Data & Development Finance (2026)

Median price £540,000, 681 sales, +1.9% YoY. Surrey county.

5 min read

Surrey Property Market: Prices, Trends & Development Finance (2026)

10 towns analysed. Median price £492,500, 9,602 transactions, +1.3% YoY.

Ready when you are

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

Submit your Bridging 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

Where we fund

Epsom,
Surrey.

Adjacent products

Other services
in Epsom.

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

Adjacent towns
we also fund.

Guildford

Woking

Redhill

Farnham

Weybridge

Camberley

Get Terms