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.
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, alongside the live local planning pipeline. Updated weekly.
- Median price
- £550,500
- Sales (12m)
- 1,080
- YoY change
- +4.9%
- Approved (recent)
- 115
- Pipeline units
- 219
- Pipeline GDV
- £120.4M
Planning pipeline
Planning activity
in Epsom.
115 approved (last 12 months)
·42 pending
·219 units in pipeline·£120.4M estimated GDV·73% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 25/01157/FUL | Part single, part two storey rear extension following demolition of existing con… 42 Dirdene Gardens Epsom Surrey KT17 4AX | - | - | Pending | 02/10/2025 |
| 25/01269/FUL | Replacement of timber framed windows to uPVC and replacement of uPVC and glass r… Flat 4 53 Ashley Road Epsom Surrey KT18 5BN | - | - | Pending | 31/10/2025 |
| 25/01268/LBA | Listed Building Consent: Installation of painted wood panelling on the lower wal… Takuk 26 South Street Epsom Surrey KT18 7PF | - | - | Pending | 17/11/2025 |
| 25/01251/FUL | Formation of a new vehicular crossover including dropped kerb 22 Sefton Road Epsom Surrey KT19 9HG | - | - | Pending | 21/10/2025 |
| 25/01219/LBA | Listed Building Consent: Restoration to the historic west wall structure of the … The Royal Automobile Country Club (RAC) Old Barn Road Epsom Surrey KT18 7EW | - | - | Pending | 14/10/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00810/FUL | Retrospective application for the erection of a single-storey rear garden outbui… Flat 9 Woodland Court Bridge Road Epsom Surrey KT17 4AP | - | - | Pending | 23/09/2026 |
| 26/00989/FUL | Demolition of existing dwelling and outbuildings and construction of 3No. detach… Hill House Tattenham Corner Road Epsom Surrey KT18 5PP | - | - | Pending | 23/09/2026 |
| 26/01014/FUL | Continued use of the existing access from Chessington Road to serve a new dwelli… New Development At Rear Of 346 Chessington Road West Ewell Surrey | - | - | Pending | 22/09/2026 |
| 26/01044/FUL | Installation of a pedestrian gate and an electric vehicular entrance gate Bunzl Epsom Chase 1 Hook Road Epsom Surrey KT19 8TY | - | - | Pending | 21/09/2026 |
| 26/00722/FUL | Erection of a two-storey four-bedroom detached dwelling, including a basement, a… Downshill Downs Hill Road Epsom Surrey KT18 5HW | - | - | Pending | 16/09/2026 |
Deal intelligence
Key schemes
in Epsom.
Indicative appraisals of the largest residential schemes in the Epsom planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £57.3M in combined GDV across 104 units, with indicative capital stacks for each.
Permitted Development Conversion Awaiting decision
Newplan House 41 East Street Epsom Surrey KT17 1BL
£24.2M
Estimated GDV
Units
44
GDV / Unit
£551k
Build Cost (Range)
£4.2M–£5.3M
Residual Land Value
£11.6M
GDV estimated from the HM Land Registry blended median of £550,500. At benchmark build costs, the implied residual land value is £11,581,000 (£263k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £24.2M |
| Construction (2,992 sqm @ £1,580/sqm mid) | −£4.7M |
| Externals, fees & contingency | −£1.3M |
| Finance (65% LTGDV, 18m) & sales costs | −£2.4M |
| Developer profit target (17.5% on GDV) | −£4.2M |
| Implied residual land value | £11.6M |
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.
Permitted Development Conversion Awaiting decision
60 East Street Epsom Surrey KT17 1HB
£17.1M
Estimated GDV
Units
31
GDV / Unit
£551k
Build Cost (Range)
£3.0M–£3.7M
Residual Land Value
£8.2M
GDV estimated from the HM Land Registry blended median of £550,500. At benchmark build costs, the implied residual land value is £8,160,000 (£263k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £17.1M |
| Construction (2,108 sqm @ £1,580/sqm mid) | −£3.3M |
| Externals, fees & contingency | −£901k |
| Finance (65% LTGDV, 18m) & sales costs | −£1.7M |
| Developer profit target (17.5% on GDV) | −£3.0M |
| Implied residual land value | £8.2M |
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.
Permitted Development Conversion Awaiting decision
64 - 74 East Street Epsom Surrey KT17 1HB
£16.0M
Estimated GDV
Units
29
GDV / Unit
£551k
Build Cost (Range)
£3.5M–£4.4M
Residual Land Value
£6.6M
GDV estimated from the HM Land Registry blended median of £550,500. At benchmark build costs, the implied residual land value is £6,643,000 (£229k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £16.0M |
| Construction (2,465 sqm @ £1,580/sqm mid) | −£3.9M |
| Externals, fees & contingency | −£1.1M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.6M |
| Developer profit target (17.5% on GDV) | −£2.8M |
| Implied residual land value | £6.6M |
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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £550,500.
- Build cost: £1,400-£1,770/sqm (conversion, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 10%, professional fees 8%, contingency 7.5%, 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 18 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 Epsom.
1,080 residential transactions in the last twelve months. Median sold price £550,500 (+4.9% YoY)
Detached
£860,000
Semi-Detached
£622,500
Terraced
£496,000
Flat
£315,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 27 Jul 2026 | FLAT 3, QUEENS COURT, REVERE WAYKT19 9RJ | Flat | £290,000 | Leasehold |
| 24 Jul 2026 | 4, HUNTERS CLOSEKT19 8HX | Terraced | £645,000 | Freehold |
| 24 Jul 2026 | 31, LINCOLN WALKKT19 9HL | Terraced | £235,879 | Freehold |
| 20 Jul 2026 | FLAT 19, CHRIST CHURCH GARDENS, CHRIST CHURCH MOUNTKT19 8RU | Flat | £375,000 | Leasehold |
| 20 Jul 2026 | FLAT 34, GREENWOOD COURT 7-9, THE PARADEKT18 5DP | Flat | £190,000 | Leasehold |
| 17 Jul 2026 | 1, EWELL HOUSEKT17 1NU | Flat | £385,000 | Leasehold |
| 17 Jul 2026 | 63, HEATHERSIDE ROADKT19 9QS | Semi-Detached | £575,000 | Freehold |
| 17 Jul 2026 | 11, FAIRFORD GARDENSKT4 7BQ | Semi-Detached | £765,000 | Freehold |
| 17 Jul 2026 | 66, HORTON HILLKT19 8ST | Terraced | £482,000 | Freehold |
| 17 Jul 2026 | 68, CHRIST CHURCH MOUNTKT19 8LP | Semi-Detached | £734,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Epsom and Ewell 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 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.
Illustrative 9-Unit Scheme, Epsom
An indicative appraisal for a nine-unit residential scheme priced at Epsom'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
£5,883,000
Loan Amount
£3,824,000
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 Epsom
— answered.
How active is the development pipeline in Epsom?
The Epsom and Ewell Borough Council planning register currently shows 42 residential applications awaiting decision in Epsom, together proposing 35 units — the largest single scheme proposes 9 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
Epsom Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £550,500, 1,080 sales, +4.9% 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 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.
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