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
- £567,000
- Sales (12m)
- 736
- YoY change
- +8%
- Pipeline units
- 189
- Pipeline GDV
- £106.4M
Planning pipeline
Planning activity
in Epsom.
45 residential applications awaiting decision
·16 units in pipeline·£9.1M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/00874/FUL | Demolition and re-construction of existing garage block, due to subsidence. 7 Alexandra Road Epsom Surrey KT17 4BH | - | - | Pending | 13/08/2026 |
| 26/00867/FUL | Replacement windows 97 Gatley Avenue West Ewell Surrey KT19 9NJ | - | - | Pending | 12/08/2026 |
| 26/00783/FUL | Conversion of the existing first-floor office into a self-contained one-bedroom … First Floor Offices 21 High Street Ewell Surrey KT17 1SB | - | - | Pending | 11/08/2026 |
| 26/00905/PDCOU | Prior Approval Schedule 2, Part 3, Class MA: Change of Use from Commercial, Busi… Resources House 8A High Street Epsom Surrey KT19 8AD | 2 | £1.1M | Pending | 03/08/2026 |
| 26/00899/PDE | Permitted Development Prior Notification: Single storey rear extension (4.50m in… 62 Eastdean Avenue Epsom Surrey KT18 7SN | - | - | Pending | 31/07/2026 |
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 £7.9M in combined GDV across 14 units, with indicative capital stacks for each.
Permitted Development Conversion Awaiting decision
Newplan House 41 East Street Epsom Surrey KT17 1BL
£3.4M
Estimated GDV
Units
6
GDV / Unit
£567k
Build Cost (Range)
£798k–£1.0M
Residual Land Value
£1.4M
GDV estimated from the HM Land Registry blended median of £567,000. At benchmark build costs, the implied residual land value is £1,381,000 (£230k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £3.4M |
| Construction (570 sqm @ £1,580/sqm mid) | −£901k |
| Externals, fees & contingency | −£243k |
| Finance (65% LTGDV, 12m) & sales costs | −£282k |
| Developer profit target (17.5% on GDV) | −£595k |
| Implied residual land value | £1.4M |
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
Poundland 46 High Street Epsom Surrey KT19 8AJ
£3.4M
Estimated GDV
Units
6
GDV / Unit
£567k
Build Cost (Range)
£798k–£1.0M
Residual Land Value
£1.4M
GDV estimated from the HM Land Registry blended median of £567,000. At benchmark build costs, the implied residual land value is £1,381,000 (£230k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £3.4M |
| Construction (570 sqm @ £1,580/sqm mid) | −£901k |
| Externals, fees & contingency | −£243k |
| Finance (65% LTGDV, 12m) & sales costs | −£282k |
| Developer profit target (17.5% on GDV) | −£595k |
| Implied residual land value | £1.4M |
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
Resources House 8A High Street Epsom Surrey KT19 8AD
£1.1M
Estimated GDV
Units
2
GDV / Unit
£567k
Build Cost (Range)
£266k–£336k
Residual Land Value
£461k
GDV estimated from the HM Land Registry blended median of £567,000. At benchmark build costs, the implied residual land value is £461,000 (£231k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £1.1M |
| Construction (190 sqm @ £1,580/sqm mid) | −£300k |
| Externals, fees & contingency | −£81k |
| Finance (65% LTGDV, 12m) & sales costs | −£94k |
| Developer profit target (17.5% on GDV) | −£198k |
| Implied residual land value | £461k |
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 £567,000.
- Build cost: £1,400-£1,770/sqm (conversion, indicative range informed by BCIS regional tender-price data, 2025/26) × 95 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 12 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.
736 residential transactions in the last twelve months. Median sold price £567,000 (+8% YoY)
Detached
£850,000
Semi-Detached
£620,000
Terraced
£500,000
Flat
£311,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jun 2026 | 17, STONES ROADKT17 1DF | Detached | £460,000 | Freehold |
| 26 Jun 2026 | 3, CALVERLEY ROADKT17 2NX | Semi-Detached | £736,500 | Freehold |
| 23 Jun 2026 | 61, FIRSWOOD AVENUEKT19 0PU | Semi-Detached | £570,000 | Freehold |
| 19 Jun 2026 | 59, WALSINGHAM GARDENSKT19 0LT | Semi-Detached | £580,000 | Freehold |
| 15 Jun 2026 | 115, JASMIN ROADKT19 9EA | Flat | £355,000 | Leasehold |
| 12 Jun 2026 | 14, MANNAMEADKT18 6HU | Detached | £499,000 | Freehold |
| 12 Jun 2026 | 10, LEITH ROADKT17 1DA | Terraced | £480,000 | Freehold |
| 12 Jun 2026 | 46, THE KINGSWAYKT17 1NA | Detached | £755,000 | Freehold |
| 8 Jun 2026 | 68, NEWBURY GARDENSKT19 0NX | Semi-Detached | £590,000 | Freehold |
| 8 Jun 2026 | 126, FARRIERS ROADKT17 1LR | Flat | £175,500 | Leasehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Epsom and Ewell Borough 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 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
£5,859,000
Loan Amount
£3,808,000
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 45 residential applications awaiting decision in Epsom, together proposing 16 units — the largest single scheme proposes 6 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, End of H1 2026
Median price £567,000, 774 sales, +9% YoY. Surrey county.
5 min read
Surrey Property Market: Prices, Trends & Development Finance, End of H1 2026
10 towns analysed. Median price £492,500, 10,627 transactions, +2.1% 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