Property Development Finance
Brighton and Hove

How many homes Brighton and Hove needs

Brighton and Hove City Council decides planning applications across the city. City Plan Part One, adopted on 24 March 2016, plans for 13,200 homes between 2010 and 2030, with the trajectory rising from 655 a year to 2019 to 856 a year between 2019 and 2024, then 712 a year to 2030.

Sales values for a Brighton and Hove appraisal

Lenders size a development loan on the gross development value (GDV), backed by local sales evidence. In July 2026 the UK House Price Index put Brighton and Hove detached homes at £858,000, semi-detached at £550,000, terraced at £476,000 and flats at £296,000. Over the year, flat prices fell 3.1%.

As plain arithmetic, six semis at that average make a GDV of about £3.3 million, and at 60% of GDV, a common senior limit, would support around £1.98 million. New-build values often sit above second-hand averages, which is why lenders rely on a valuer's comparable new-build evidence.

If the plan is to hold and let, or to sell to an investor, rents set the value instead. Brighton and Hove rents averaged £1,808 a month in August 2026: £1,189 for one bedroom, £1,518 for two and £1,797 for three. Eight two-bedroom flats at that rent would gross about £145,728 a year before costs and voids.

Test your own figures with the residual land value calculator and the LTGDV and ROCE calculator.

England: tax, funding and building rules

Brighton and Hove City Council can attach section 106 obligations and charge the Community Infrastructure Levy where it has adopted one, and the land itself pays Stamp Duty Land Tax; all three belong in a Brighton and Hove appraisal. Homes England, the government's housing agency, is on our panel and lends to smaller housebuilders on schemes of five or more homes in England; see our Homes England review.

Development lenders for Brighton and Hove schemes

We can approach 49 lenders on our panel for development finance for schemes in Brighton and Hove. The full list is below the questions, with links to our reviews. We check each lender's appetite for the exact address and property before putting your case forward.

Most release build costs in stages after a monitoring surveyor's visit, with interest rolled up and repaid from sales or a refinance; a development exit loan can repay the build lender if units take longer to sell.

Development finance in Brighton and Hove: questions