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
- £425,000
- Sales (12m)
- 1,179
- YoY change
- -4.5%
- Pipeline units
- 921
- Pipeline GDV
- £376.7M
Planning pipeline
Planning activity
in Woking.
2 residential applications awaiting decision
·30 units in pipeline·£12.8M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| PLAN/2026/0573 | Formal Consultation from Surrey Heath Borough Council for an Outline planning ap… Surrey Heath Borough Council Gloucester Square Woking Surrey | 30 | £12.8M | Pending | 04/08/2026 |
| PLAN/2026/0510 | Section 73 application for variation of Condition 05 (approved plans) and Condit… Units 1 - 7 Genesis Business Park Sheerwater Woking Surrey | - | - | Pending | 15/07/2026 |
Deal intelligence
Key schemes
in Woking.
Indicative appraisals of the largest residential schemes in the Woking planning pipeline (all currently awaiting decision). These 1 schemes represent an estimated £13.4M in combined GDV across 30 units, with indicative capital stacks for each.
Residential Development Awaiting decision
Surrey Heath Borough Council Gloucester Square Woking Surrey
£13.4M
Estimated GDV
Units
30
GDV / Unit
£446k
Build Cost (Range)
£4.6M–£5.8M
Residual Land Value
£3.1M
GDV estimated from the HM Land Registry blended median of £425,000 plus a 5% new-build premium (assumed). At benchmark build costs, the implied residual land value is £3,140,000 (£105k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £13.4M |
| Construction (2,040 sqm @ £2,550/sqm mid) | −£5.2M |
| Externals, fees & contingency | −£1.4M |
| Finance (65% LTGDV, 18m) & sales costs | −£1.3M |
| Developer profit target (17.5% on GDV) | −£2.3M |
| Implied residual land value | £3.1M |
Broker insight: For a 30-unit scheme in Woking, we would typically structure senior debt at 60-65% LTGDV with mezzanine available to reduce equity to as little as 10%. Run an appraisal to model your returns.
Appraisal assumptions
- GDV: HM Land Registry blended median of £425,000 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 10%, 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 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 Woking.
1,179 residential transactions in the last twelve months. Median sold price £425,000 (-4.5% YoY). 86 new-build transactions with a -24.4% premium over existing stock.
Detached
£755,000
Semi-Detached
£464,000
Terraced
£385,000
Flat
£250,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jun 2026 | 5, DALE VIEWGU21 7QD | Flat | £345,000 | Leasehold |
| 26 Jun 2026 | 41, RIVER COURTGU21 5FT | Flat | £222,000 | Leasehold |
| 22 Jun 2026 | 19, MARTINDALE ROADGU21 3PJ | Detached | £436,000 | Freehold |
| 22 Jun 2026 | 56, WOODLANDS AVENUEKT14 6AW | Detached | £568,000 | Freehold |
| 19 Jun 2026 | 3, FARM ROADGU22 9HL | Semi-Detached | £450,000 | Freehold |
| 18 Jun 2026 | 14, ALLOWAY CLOSEGU21 3HY | Terraced | £450,000 | Freehold |
| 18 Jun 2026 | 16, DAVOS CLOSEGU22 7SL | Flat | £250,000 | Leasehold |
| 15 Jun 2026 | FLAT 6, THE VILLAS, 7, PORTUGAL ROADGU21 5HR | Flat | £215,000 | Leasehold |
| 12 Jun 2026 | 2, ORCHARD DENE, MADEIRA ROADKT14 6BH | Flat | £195,000 | Leasehold |
| 12 Jun 2026 | 1, BROWNE CLOSEGU22 8LJ | Terraced | £530,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Woking 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 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
£4,385,000
Loan Amount
£2,850,000
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 2 residential applications awaiting decision in Woking, together proposing 30 units — the largest single scheme proposes 30 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, End of H1 2026
Median price £430,000, 1,205 sales, -2.7% 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 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