- Home
- Locations
- West Yorkshire
- Bradford
- Bridging Finance
Bradford, West Yorkshire
Bridging Finance
in Bradford
Expert bridging finance for property developers in Bradford. We connect you with competitive funding from our panel of 100+ lenders.
Bradford, West Yorkshire
Bridging Finance
in Bradford.
Live market data
Bradford
market snapshot.
HM Land Registry sold-price data for Bradford over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £159,950
- Sales (12m)
- 4,548
- YoY change
- +6.3%
- Approved (recent)
- 623
- Pipeline units
- 2,027
- Pipeline GDV
- £286.8M
Planning pipeline
Planning activity
in Bradford.
623 approved (last 12 months)
·204 pending
·2,027 units in pipeline·£286.8M estimated GDV·81% approval rate (last 12 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/02280/FUL | Subdivision of first floor function room to form two self-contained offices with… 58 - 60 Saltaire Road Shipley West Yorkshire BD18 3HN | - | - | Pending | 26/08/2026 |
| 26/01627/PN3MA | Change of use of first floor office to one-bed residential flat 58 North Street Keighley West Yorkshire BD21 3RY | 1 | £82,000 | Pending | 17/08/2026 |
| 26/02229/PN3MA | Change of use from Commercial, Business and Service (use class E) to one residen… 1 Wells Walk Ilkley West Yorkshire LS29 9LH | 1 | £160,000 | Pending | 11/08/2026 |
| 26/02175/PN3MA | Change of use from Commercial, Business and Service (use class E) to one residen… 2 Wells Walk Ilkley West Yorkshire LS29 9LH | 1 | £160,000 | Pending | 11/08/2026 |
| 26/01983/PN3MA | Change of use of upper floors to form 4 No. apartments 3 The Green Bradford West Yorkshire BD10 9PT | 4 | £328,000 | Pending | 30/07/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/03025/FUL | Change of use of and internal/external alterations to former bank (use class E) … The Myrtle Grove 141 Main Street Bingley West Yorkshire BD16 1AJ | - | - | Pending | 07/09/2026 |
| 26/02791/FUL | Construction of 2 x pairs of semi-detached dwellings (4 units in total) with par… Land West Of Inkerman Street Eccleshill Bradford West Yorkshire | 4 | £740,000 | Pending | 07/09/2026 |
| 26/02758/FUL | Change of use from Veterinary Use Class E(e) to Dwellinghouse C3 48 High Street Idle Bradford West Yorkshire BD10 8NN | 1 | £160,000 | Pending | 07/09/2026 |
| 20/00137/COM01 | Confirmation of compliance with conditions of planning approval 20/00137/MAF dat… Apartment 1 Bridgehouse Mill River View Haworth Keighley West Yorkshire BD22 8SB | 23 | £1.9M | Pending | 07/09/2026 |
| 26/01418/FUL | Proposed residential development of six residential detached houses. Lime Tree Farm 8 Tong Lane Tong Bradford West Yorkshire BD4 0RP | 6 | £1.8M | Pending | 04/09/2026 |
Deal intelligence
Key schemes
in Bradford.
Indicative appraisals of the largest residential schemes in the Bradford planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £82.5M in combined GDV across 491 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Land At Grid Ref 414917 428571 Abb Scott Lane Bradford West Yorkshire
£29.1M
Estimated GDV
Units
173
GDV / Unit
£168k
Build Cost (Range)
£21.2M–£27.1M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £159,950 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £29.1M |
| Construction (11,764 sqm @ £2,050/sqm mid) | −£24.1M |
| Externals, fees & contingency | −£7.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.3M |
| Developer profit target (17.5% on GDV) | −£5.1M |
| Implied residual land value | Marginal |
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 At Grid Ref 415899 435722 Poplars Park Road Bradford West Yorkshire
£28.2M
Estimated GDV
Units
168
GDV / Unit
£168k
Build Cost (Range)
£20.6M–£26.3M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £159,950 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £28.2M |
| Construction (11,424 sqm @ £2,050/sqm mid) | −£23.4M |
| Externals, fees & contingency | −£6.9M |
| Finance (65% LTGDV, 24m) & sales costs | −£3.2M |
| Developer profit target (17.5% on GDV) | −£4.9M |
| Implied residual land value | Marginal |
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
The Esholt Estate The Avenue Esholt Bradford
£25.2M
Estimated GDV
Units
150
GDV / Unit
£168k
Build Cost (Range)
£18.4M–£23.5M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £159,950 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £25.2M |
| Construction (10,200 sqm @ £2,050/sqm mid) | −£20.9M |
| Externals, fees & contingency | −£6.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.9M |
| Developer profit target (17.5% on GDV) | −£4.4M |
| Implied residual land value | Marginal |
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 £159,950 plus a 5% new-build premium (assumed).
- Build cost: £1,800-£2,300/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 Bradford.
4,548 residential transactions in the last twelve months. Median sold price £159,950 (+6.3% YoY). 99 new-build transactions with a +56% premium over existing stock.
Detached
£300,000
Semi-Detached
£185,000
Terraced
£126,000
Flat
£80,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 31 Jul 2026 | 34, GRANGE DRIVEBD15 7RZ | Semi-Detached | £90,338 | Freehold |
| 28 Jul 2026 | 9, HIGH FERNLEY COURTBD12 8AN | Semi-Detached | £215,000 | Freehold |
| 24 Jul 2026 | 7, KENLEY AVENUEBD6 3JB | Terraced | £153,000 | Freehold |
| 24 Jul 2026 | 1 - 2, SPEN VIEW LANEBD4 6DQ | Semi-Detached | £335,000 | Freehold |
| 24 Jul 2026 | 7, SLINGSBY CLOSEBD10 0UJ | Semi-Detached | £260,000 | Freehold |
| 24 Jul 2026 | VICEROY HOUSE, 13, SOUTHBROOK TERRACEBD7 1AD | Terraced | £158,200 | Freehold |
| 24 Jul 2026 | 89, WINDHILL OLD ROADBD10 0SN | Terraced | £230,000 | Freehold |
| 23 Jul 2026 | 3, GREBE CLOSEBD6 3XN | Detached | £350,000 | Freehold |
| 23 Jul 2026 | 65, NORTHSIDE TERRACEBD7 2QU | Terraced | £115,000 | Freehold |
| 23 Jul 2026 | 69, LARCH HILL CRESCENTBD6 1DS | Terraced | £133,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to September 2026 · City of Bradford 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 Bradford deals.
Typical pricing for bridging finance in Bradford. 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, Bradford
An indicative appraisal for a nine-unit residential scheme priced at Bradford'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
£1,748,000
Loan Amount
£1,136,000
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 Bradford
— answered.
How active is the development pipeline in Bradford?
The City of Bradford planning register currently shows 204 residential applications awaiting decision in Bradford, together proposing 965 units — the largest single scheme proposes 168 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
Bradford Property Market: House Prices, Sold Data & Development Finance, Q3 2026 Edition
Median price £159,950, 4,548 sales, +6.3% YoY. West Yorkshire county.
6 min read
West Yorkshire Property Market: Prices, Trends & Development Finance, Q3 2026 Edition
8 towns analysed. Median price £192,500, 27,912 transactions, +0.5% YoY.
Recent deals
Property finance deals
in Bradford, West Yorkshire.
Real schemes we have structured for developers in Bradford, West Yorkshire. Sanitised for confidentiality, anchored in actual terms issued.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Bradford 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
Bradford,
West Yorkshire.
Adjacent products
Other services
in Bradford.
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