Woking, Surrey
Bridging Finance
in Woking
Expert bridging finance for property developers in Woking. We connect you with competitive funding from our panel of 100+ lenders.
Woking, Surrey
Bridging Finance
in Woking.
Live market data
Woking
market snapshot.
HM Land Registry sold-price data for Woking over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £431,000
- Sales (12m)
- 1,621
- YoY change
- -3.1%
- Approved (recent)
- 35
- Pipeline units
- 747
- Pipeline GDV
- £307.0M
Planning pipeline
Planning activity
in Woking.
35 approved (last 12 months)
·29 pending
·747 units in pipeline·£307.0M estimated GDV·63% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| PLAN/2025/0809 | Prior Approval under the provisions of Schedule 2, Part 3, Class MA of The Town … 80 - 82 Maybury Road Woking Surrey GU21 5JH | 2 | £862,000 | Approved | 20/10/2025 |
| PLAN/2025/0779 | Proposed erection of a first-floor level extension to the first-floor storage ar… 5 Anchor Crescent Knaphill Woking Surrey GU21 2PD | 1 | £431,000 | Pending | 09/10/2025 |
| PLAN/2025/0769 | Prior Notification requirement under Part MA of the GPDO for the change of use o… Barclays Town Gate House Church Street East Woking Surrey GU21 6AE | 16 | £4.1M | Approved | 06/10/2025 |
| PLAN/2025/0768 | Prior Approval under the provisions of Schedule 2, Part 3, Class MA of The Town … First And Second Floor 34 - 35 Station Approach West Byfleet Surrey KT14 6NF | 1 | £431,000 | Approved | 06/10/2025 |
| PLAN/2025/0896 | Redevelopment of the land for the erection of 74 dwellings (37 market dwellings … Land South Of Hoe Valley School And East Of Railway Tracks Egley Road Woking Surrey GU22 0NH | 74 | £31.9M | Pending | 25/11/2025 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| PLAN/2026/0628 | Demolition of 2 existing modular classroom units and replacement with 1 unit of … Woking High School Morton Road Horsell Woking Surrey GU21 4TJ | 1 | £431,000 | Pending | 21/09/2026 |
| PLAN/2026/0645 | Demolition of existing dwelling and the construction of one pair of semi-detache… Oakhurst Oakcroft Road West Byfleet Surrey KT14 6JG | 1 | £475,000 | Pending | 16/09/2026 |
| PLAN/2026/0611 | Erection of a part two storey, part single storey rear extension, first floor si… 9 Board School Road Woking Surrey GU21 5HA | 7 | £3.0M | Pending | 14/09/2026 |
| PLAN/2026/0522 | Change of use from agriculture to a mixed agricultural and residential use and e… Land To The East Of Pollards Barn New Lane Sutton Green Woking Surrey | 1 | £431,000 | Pending | 09/09/2026 |
| PLAN/2026/0609 | The conversion of the existing ancillary space at ground floor level to create 4… The Cornerstone Locke Way Woking Surrey GU21 5FZ | 1 | £431,000 | Pending | 27/08/2026 |
Deal intelligence
Key schemes
in Woking.
Indicative appraisals of the largest residential schemes in the Woking planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £173.3M in combined GDV across 383 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land North East Of Saunders Lane Saunders Lane Woking Surrey
£73.3M
Estimated GDV
Units
162
GDV / Unit
£453k
Build Cost (Range)
£24.8M–£31.4M
Residual Land Value
£15.7M
GDV estimated from the HM Land Registry blended median of £431,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £15,726,000 (£97k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £73.3M |
| Construction (11,016 sqm @ £2,550/sqm mid) | −£28.1M |
| Externals, fees & contingency | −£8.3M |
| Finance (65% LTGDV, 24m) & sales costs | −£8.4M |
| Developer profit target (17.5% on GDV) | −£12.8M |
| Implied residual land value | £15.7M |
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.
Major Residential Development Awaiting decision
Land North West Of Saunders Lane Saunders Lane Woking Surrey
£66.5M
Estimated GDV
Units
147
GDV / Unit
£453k
Build Cost (Range)
£22.5M–£28.5M
Residual Land Value
£14.3M
GDV estimated from the HM Land Registry blended median of £431,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £14,269,000 (£97k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £66.5M |
| Construction (9,996 sqm @ £2,550/sqm mid) | −£25.5M |
| Externals, fees & contingency | −£7.5M |
| Finance (65% LTGDV, 24m) & sales costs | −£7.6M |
| Developer profit target (17.5% on GDV) | −£11.6M |
| Implied residual land value | £14.3M |
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.
Demolition & New Build Awaiting decision
Land South Of Hoe Valley School And East Of Railway Tracks Egley Road Woking Surrey GU22 0NH
£33.5M
Estimated GDV
Units
74
GDV / Unit
£453k
Build Cost (Range)
£11.3M–£14.3M
Residual Land Value
£7.2M
GDV estimated from the HM Land Registry blended median of £431,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £7,182,000 (£97k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £33.5M |
| Construction (5,032 sqm @ £2,550/sqm mid) | −£12.8M |
| Externals, fees & contingency | −£3.8M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.8M |
| Developer profit target (17.5% on GDV) | −£5.9M |
| Implied residual land value | £7.2M |
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.
Appraisal assumptions
- GDV: HM Land Registry blended median of £431,000 plus a 5% new-build premium (assumed).
- 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 Woking.
1,621 residential transactions in the last twelve months. Median sold price £431,000 (-3.1% YoY). 104 new-build transactions with a -25.3% premium over existing stock.
Detached
£770,000
Semi-Detached
£475,000
Terraced
£393,750
Flat
£254,500
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 22 Jul 2026 | 3, DIGBY WAYKT14 7RQ | Terraced | £425,000 | Freehold |
| 20 Jul 2026 | 14, NURSERY ROADGU21 2NN | Semi-Detached | £403,000 | Freehold |
| 17 Jul 2026 | 5, GREEN VIEWGU22 7BF | Semi-Detached | £750,000 | Freehold |
| 17 Jul 2026 | 92, LOVELACE DRIVEGU22 8SB | Detached | £960,000 | Freehold |
| 17 Jul 2026 | 128, WESTFIELD ROADGU22 9QP | Semi-Detached | £430,000 | Freehold |
| 15 Jul 2026 | 27, OLD MALT WAYGU21 4QD | Detached | £790,000 | Freehold |
| 13 Jul 2026 | 62, CONNAUGHT CRESCENTGU24 0AW | Terraced | £440,000 | Freehold |
| 13 Jul 2026 | 8, OLD ORCHARDKT14 7RW | Flat | £330,000 | Leasehold |
| 10 Jul 2026 | 43, ABBEY ROADGU21 4PG | Detached | £718,000 | Freehold |
| 10 Jul 2026 | 28, FIRCROFT CLOSEGU22 7LZ | Terraced | £430,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · Woking 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 Woking deals.
Typical pricing for bridging finance in Woking. 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, Woking
An indicative appraisal for a nine-unit residential scheme priced at Woking'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
£4,489,000
Loan Amount
£2,918,000
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 Woking
— answered.
How active is the development pipeline in Woking?
The Woking Borough Council planning register currently shows 29 residential applications awaiting decision in Woking, together proposing 444 units — the largest single scheme proposes 162 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
Woking Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £431,000, 1,621 sales, -3.1% 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 Woking 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
Woking,
Surrey.
Adjacent products
Other services
in Woking.
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