- 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
- £160,500
- Sales (12m)
- 3,154
- YoY change
- +6.3%
- Approved (recent)
- 416
- Pipeline units
- 1,427
- Pipeline GDV
- £204.6M
Planning pipeline
Planning activity
in Bradford.
28 approved (last 3 months)
·123 pending
·218 units in pipeline·£33.7M estimated GDV·80% approval rate (last 3 months)Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01897/FUL | Construction of single storey modular timber cabin with associated ground works;… Feversham Primary School Harewood Street Bradford West Yorkshire BD3 9EG | - | - | Pending | 09/06/2026 |
| 26/01875/FUL | Installation of defibrillator and bleed kit cabinets to frontage 25 Low Street Keighley West Yorkshire BD21 3QG | - | - | Pending | 04/06/2026 |
| 26/01865/FUL | Construction of 1.5-storey, two-bedroom dwelling 19 Craigmore Drive Ilkley West Yorkshire LS29 8PG | - | - | Pending | 03/06/2026 |
| 26/01852/FUL | Change of use of barn/stables to equine laundry facility with internal alteratio… Simpson Green Farm 6 Mitchell Lane Apperley Bridge Bradford West Yorkshire BD10 0TA | - | - | Pending | 26/05/2026 |
| 26/01851/LBC | Change of use of barn/stables to equine laundry facility with internal alteratio… Simpson Green Farm 6 Mitchell Lane Apperley Bridge Bradford West Yorkshire BD10 0TA | - | - | Pending | 26/05/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01978/FUL | Change of use of industrial/commercial land (Use Class B2) to 24 hour storage fa… Unit 28 Barkers Yard Hollins Hill Baildon West Yorkshire BD17 7QN | - | - | Pending | 13/08/2026 |
| 26/02532/FUL | Siting of single storey detached modular building for a period of 2 years for us… The Rock And Heifer Inn Rock Lane Thornton Bradford West Yorkshire BD13 3RH | - | - | Pending | 11/08/2026 |
| 26/02750/FUL | Change of Use Restaurant to Sui Generis Student Accommodation refurbishing the p… 7 Albion Court Bradford West Yorkshire BD1 1QS | - | - | Pending | 11/08/2026 |
| 26/02540/LBC | Installation of new 1.8m metal railings, replacement gates and introduction of s… Great Horton Methodist Church Great Horton Road Bradford West Yorkshire BD7 3ER | - | - | Pending | 10/08/2026 |
| 26/02716/FUL | Installation of 60 self storage shipping container units and formation of timber… Container Yard Windhill Old Station Leeds Road Shipley West Yorkshire BD18 1BP | - | - | Pending | 06/08/2026 |
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 £28.5M in combined GDV across 175 units, with indicative capital stacks for each.
Permitted Development Conversion Awaiting decision
Arndale House 4 Charles Street Bradford West Yorkshire
£19.1M
Estimated GDV
Units
119
GDV / Unit
£161k
Build Cost (Range)
£9.1M–£11.6M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £160,500. 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 | £19.1M |
| Construction (8,092 sqm @ £1,270/sqm mid) | −£10.3M |
| Externals, fees & contingency | −£3.1M |
| Finance (65% LTGDV, 24m) & sales costs | −£2.2M |
| Developer profit target (17.5% on GDV) | −£3.3M |
| 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.
Residential Development Awaiting decision
Former Site Of Foxhill Works Albert Road Queensbury Bradford West Yorkshire
£7.9M
Estimated GDV
Units
47
GDV / Unit
£169k
Build Cost (Range)
£5.8M–£7.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £160,500 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 | £7.9M |
| Construction (3,196 sqm @ £2,050/sqm mid) | −£6.6M |
| Externals, fees & contingency | −£1.7M |
| Finance (65% LTGDV, 18m) & sales costs | −£783k |
| Developer profit target (17.5% on GDV) | −£1.4M |
| Implied residual land value | Marginal |
Broker insight: For a 47-unit scheme in Bradford, 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.
Small-Scale Development Awaiting decision
Former Site Of Rock Street East Hainworth Road Keighley West Yorkshire
£1.5M
Estimated GDV
Units
9
GDV / Unit
£169k
Build Cost (Range)
£1.5M–£2.0M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £160,500 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 | £1.5M |
| Construction (855 sqm @ £2,050/sqm mid) | −£1.8M |
| Externals, fees & contingency | −£464k |
| Finance (65% LTGDV, 12m) & sales costs | −£126k |
| Developer profit target (17.5% on GDV) | −£265k |
| Implied residual land value | Marginal |
Broker insight: For a 9-unit scheme in Bradford, 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 £160,500.
- Build cost: £1,120-£1,430/sqm (conversion, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 12.5%, 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 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.
3,154 residential transactions in the last twelve months. Median sold price £160,500 (+6.3% YoY). 50 new-build transactions with a +54.7% premium over existing stock.
Detached
£305,000
Semi-Detached
£185,000
Terraced
£127,500
Flat
£95,000
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 25 Jun 2026 | 37, OAKENSHAW COURTBD12 9JE | Terraced | £127,000 | Freehold |
| 22 Jun 2026 | 13, CRANBROOK STREETBD14 6NX | Terraced | £132,000 | Freehold |
| 22 Jun 2026 | 6, CHERRY TREE PLACEBD2 3FB | Detached | £215,000 | Freehold |
| 19 Jun 2026 | 7, LUDDENDEN PLACEBD13 1JS | Terraced | £100,000 | Freehold |
| 19 Jun 2026 | 94, BELDON ROADBD7 3PE | Semi-Detached | £72,500 | Freehold |
| 19 Jun 2026 | 16, WOLD CLOSEBD13 3HT | Terraced | £187,000 | Freehold |
| 19 Jun 2026 | 123, ELMFIELD DRIVEBD6 1PS | Semi-Detached | £160,000 | Freehold |
| 19 Jun 2026 | 22, CHERRY GROVEBD6 2AR | Detached | £258,500 | Freehold |
| 18 Jun 2026 | 9, WESLEY DRIVEBD12 0NH | Semi-Detached | £190,000 | Freehold |
| 18 Jun 2026 | 1, EASTFIELD GARDENSBD4 0DP | Terraced | £100,000 | Freehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · City of Bradford 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 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 123 residential applications awaiting decision in Bradford, together proposing 215 units — the largest single scheme proposes 119 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, End of H1 2026
Median price £160,000, 3,223 sales, +6.7% YoY. West Yorkshire county.
6 min read
West Yorkshire Property Market: Prices, Trends & Development Finance, End of H1 2026
8 towns analysed. Median price £193,750, 19,706 transactions, +0.4% 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