Property Development Finance in Surrey
Surrey
Surrey is one of the most desirable locations in the South East for property development, offering a mix of picturesque countryside, affluent suburban areas, and excellent commuter connections to London.
With stunning landscapes, including parts of the Surrey Hills Area of Outstanding Natural Beauty (AONB), and thriving towns such as Guildford, Woking, Farnham, Epsom, Reigate, Redhill, Esher, and Weybridge, Surrey presents a wealth of opportunities for developers with projects of all sizes.
What’s more, all these locations provide excellent transport links to London, Gatwick and Heathrow Airports, and other major cities like Reading, Brighton, Southampton and Portsmouth. This makes Surrey a prime location for families, professionals, commuters and retirees seeking high-quality homes in well-connected, scenic areas.
Detached and semi-detached houses, particularly those with 3 to 5 bedrooms, are in constant demand. Surrey boasts a range of demographics, but in particularly affluent areas like the Surrey Hills, even larger mansions and family homes are very popular.
If you’ve identified the ideal new build or renovation project, securing funding doesn’t have to be complicated. We have been providing property development finance in Surrey and the wider South East for over a decade, successfully funding numerous projects for satisfied clients.
What You Need to Know about Property Development in Surrey
Property development in Surrey follows the same national planning regulations as the rest of England, but there are additional considerations to keep in mind. Developing within the Surrey Hills AONB or any of the county’s conservation areas and greenbelt land may require additional approvals, as these locations are subject to strict environmental and design regulations.
Each borough and district council in Surrey has local planning policies, which may include Neighbourhood Development Plans that affect what can be built and where. With many historic towns and villages, developers should also check whether their proposed site is in a conservation area or subject to heritage restrictions.
Planning applications in Surrey typically take between 8 and 16 weeks to process. The statutory time limits (from validation) are:
- General planning applications (e.g., most individual property developments) – 8 weeks
- Applications for major development – 13 weeks
- Applications requiring an Environmental Impact Assessment – 16 weeks
Due to its proximity to London and its extensive greenbelt land, Surrey has strict planning regulations regarding greenbelt development and the protection of local biodiversity. Special considerations, such as the impact on local wildlife and protected species (including bats and great crested newts), may need to be addressed in planning applications.
Water neutrality and flood risk assessments are also important factors, especially in areas near the River Thames, the River Wey, and other watercourses like the Ock, Tillingbourne and Mole.
The Surrey Property Market
Surrey is well known for its high property and land values, with strong demand for homes across all price ranges. The county is particularly sought after for its excellent schools, high standard of living, and quick access to London.
Surrey boasts strong train links to London Waterloo, Victoria, and London Bridge, making towns such as Guildford, Woking, Redhill, Epsom, and Reigate extremely attractive to commuters.
Key rail routes include:
- The South Western Main Line connects Guildford, Woking, and Farnham to London Waterloo, as well as Hampshire and Dorset.
- The Brighton Main Line serves Redhill, Reigate, and Gatwick Airport, providing quick links to London and the South Coast.
- The North Downs Line links Guildford to Reading and Gatwick Airport.
In town centres like Guildford, Woking, and Epsom, apartments and modern flats are popular among young professionals. Meanwhile, in suburban and rural areas such as Weybridge, Cobham, Esher, and Farnham, demand remains high for family homes with larger plots and green spaces.
Property Developments We Have Financed in Surrey
We’ve successfully financed a range of property development projects in Surrey including flats, apartments, terraced houses and large detached family homes.
- 7 x New Build Terrace Residential Units in Bookham – £2.3m Loan
- New Build Homes in Haslemere – £1.25m Loan
- Barn Conversion in Midgham, Berkshire – £775k Loan
Why choose an independent broker in Surrey?
We are unlike banks in that we lend our own funds as independent lenders. Based in West Sussex, we have a huge amount of experience in property development projects in the South East of England, meaning we can offer relevant help and advice right at the moment you need it. Not only is our development finance quicker and cheaper than banks, we are also a supportive ear who understands the challenges of the local market.
Types of Property Development Finance in Surrey
Development Finance
Development finance for private residential property developments in the South East UK.
Equity Finance
Equity finance for property developers in return for a share of the development’s profit.
Bridging Loans
Bridging loans for developers to provide short-term finance to ‘bridge the gap in projects.
Pre-completion Loans
Pre-completion finance loans for property developments that are very close to completion.
Exit Finance
Exit finance is used to repay outstanding development finance so that it's ready for sale.
What Our Developers Have To Say
Want to find out more about what our clients have to say about us?
