143
New development charges, 12 months to September 2026 (+70.2%)
Development exit report · Q3 2026
Croydon Development Exit Report, Q3 2026
Who is lending to developers in Croydon, how many schemes are exiting their development loans, and how quickly new homes are selling. Built from Companies House charges, Land Registry sales and council planning data.
45
Development loans filed as repaid, same 12 months
63.3%
Live development book over 24 months old (61.3% nationally)
47
New-build sales, latest settled 12 months (-48.4%)
In short
Croydon's headline number is a change in direction: new development lending increased 70.2% to 143 charges. Behind it, registered new-build sales declined 48.4% to 47 over the latest settled year. 63.3% of live development loans here were over 24 months old at the end of September, close to the national share, a direct read on how many schemes are past a normal build term. Planners approved 239 residential schemes in the last year, the next wave of exits.
Scorecard
Croydon at a glance
How each signal moved over the year, measured the same way for every location we report on.
| Signal | Croydon | Change | Basis | Direction |
|---|---|---|---|---|
| New development charges | 143 | +70.2% | 12 months to September 2026 vs the 12 months before | Up |
| Development charges satisfied (exits filed) | 45 | +15.4% | 12 months to September 2026 vs the 12 months before | Up |
| Exit-type lending to developers | 45 | +9.8% | bridging, specialist-bank and private-credit charges on development companies | Up |
| Live development book over 24 months old | 63.3% | +2 pts | at 30 September 2026, compared with 61.3% across England and Wales | In line |
| New-build sales registered | 47 | -48.4% | settled 12 months (registration lag allowed for) vs the 12 months before | Down |
| New developer and property companies | 623 | -3.1% | SIC 41100, 41202, 68100 by registered office; live register only | Flat |
Companies House · development lending
Development lending and exits in Croydon
76 borrowers, 143 charges: that is the scale of new development lending in Croydon in the year to September 2026, compared with 84 charges a year earlier.
On the other side of the ledger, 45 development loans were filed as repaid. That is a repayment ratio of 0.31, below the national 0.41, so more debt is going on than coming off.
Loans repaid over the year had been outstanding for a median 19.7 months (24.8 the year before).
A charge is the security a lender registers at Companies House. It shows that a loan was taken and when it was repaid (satisfied), not how much was lent. A quarter-end is provisional until 30 days after the data cut-off, because filings arrive late.
New development chargesSatisfied (loan repaid)
Companies House charge register, Construction Capital analysis
Companies House · exit-type lending
Bridging and specialist lending to Croydon developers
Bridging lenders, specialist banks and funds took 45 charges over Croydon development companies in the year to September 2026 (+9.8% on the 41 of the year before).
Most came from bridging lenders (25). Comparing the same quarter a year apart, 5 in Q3 2026 against 8 in Q3 2025.
Exit-type lending counts charges registered by bridging lenders, specialist banks and private credit funds against companies whose registered business is developing buildings (SIC 41100 or 41202). It is the market that refinances development debt at completion and funds the sales period.
Companies House charge register, Construction Capital analysis
Companies House · lender categories
Who is lending in Croydon
Specialist money (bridging, specialist banks, development lenders and funds) accounted for 92.7% of matched property charges in Croydon, compared with 87.5% for England and Wales. A 5 point tilt towards specialist lenders.
Lenders are grouped by category from the Construction Capital lender register and never named.
Specialist and challenger banksBridging lendersHigh-street banksDevelopment lenders, funds and other
Companies House charge register, Construction Capital analysis
Land Registry · sales
How quickly new homes are selling
The settled Land Registry year to September 2025 shows 47 new homes sold in Croydon, compared with 91 in the year before. A new-build share of 1.2%; England and Wales ran at 8.1%.
The new-build premium was -15.6% on flats (£241,000 median).
Across the whole market, 3,467 homes changed hands in the 12 months to April 2026, down 18% on the year before.
Land Registry registers new-build plot sales up to a year after completion, so new-build figures use the latest settled 12 months. Prices are transaction-sample medians, not a like-for-like index.
HM Land Registry Price Paid Data, Construction Capital analysis
Planning · pipeline
The next wave of schemes needing an exit
Croydon approved 239 residential applications between 1 July 2025 and 30 September 2026, with 155 still pending. By type: 78 new build, 48 conversion, 30 prior approval.
Where an approval states units (199 of them), they add up to at least 2,777 homes.
Residential applications from council planning portals over each council's latest 12-month window. Unit counts are only stated on some applications, so unit totals are a floor.
| Largest approved schemes (stated units) | Units | Type | Decided |
|---|---|---|---|
| 806 | new build | 2025-10-17 | |
| Near Cr8 2aw | 238 | new build | 2026-05-22 |
| Near Cr9 2er | 138 | prior approval | 2026-01-06 |
| Near Cr0 2ee | 124 | prior approval | 2026-02-05 |
| Near Cr9 2lg | 112 | prior approval | 2026-09-03 |
Companies House · registrations
New developer companies
Company formation is an early pipeline signal: 623 new property and development companies in Croydon over the latest year, 225 registered as developers (SIC 41100 or 41202).
Q3 2026 brought 119 against 158 in Q3 2025.
Companies registered with SIC 41100, 41202 or 68100, placed by registered office. The register lists live companies only, so earlier periods lose companies since dissolved.
Benchmark
Croydon against England and Wales
| Measure | Croydon | Change | England and Wales | Change |
|---|---|---|---|---|
| New development charges, 12 months | 143 | +70.2% | 9,562 | +11.3% |
| Development charges satisfied, 12 months | 45 | +15.4% | 3,908 | +21.2% |
| Live development book at 30 September 2026 | 558 | 42,944 | ||
| Share of live book over 24 months old | 63.3% | 61.3% | ||
| Exit-type lending to developers, 12 months | 45 | +9.8% | 5,002 | -0.4% |
| New-build sales, settled 12 months | 47 | -48.4% | 67,091 | -7.1% |
| New-build share of sales, settled 12 months | 1.2% | 8.1% | ||
| New developer and property companies, 12 months | 623 | -3.1% | 58,644 | -5.1% |
What it means
What this means for developers exiting in Croydon
Up: new development lending, loan repayments, exit-type lending. Down: new-build sales.
Nothing unusual in the age of local loans, so each scheme's sales evidence will decide whether exit finance helps.
Fewer new-build sales being registered means stock is taking longer to clear, so a sales-period facility sized to the unsold units is worth pricing early.
Terms depend on the scheme, the sales evidence and the developer, and no finance is guaranteed. We are a finance broker, not a lender. Development exit finance for companies is unregulated lending.
Read how a development exit loan is sized, or compare the national picture in the Development Exit Demand Tracker. Local market detail sits on our development exit finance in Croydon page.
Methodology and sources
Companies House charges (security instruments, not loans: no amounts, LTVs or rates). Development lending = charges held by specialist development lenders, or by development-active mixed lenders where the borrower carries SIC 41100/41202, the charge wording names development land or a site, or the borrower is a newly incorporated (within 12 months) SIC 68100 company with no buy-to-let SIC (the same rule as the national Development Exit Demand Tracker). Exit-type lending to developers = charges registered by bridging, specialist-bank and private-credit (funder) lenders against companies carrying SIC 41100/41202. A charge is placed by its charged-property postcode, or failing that the borrower's registered office. 'Satisfied' is the filed repayment of a charge: the exit. Exit refinance events are new charges registered on the same title after a specialist development lender's charge was repaid or released (charge stacks, same-group and same-company pairs excluded). Satisfactions are filed late, so a quarter-end stays provisional until 30 days after the data cut-off. Lender categories come from the Construction Capital lender register; lenders are never named.
Land Registry registers new-build plot sales up to a year after completion, so new-build counts, shares and premiums are read only over the settled 12 months ending a year before the data vintage (settled12m) and compared with the 12 months before that. New-build figures in the most recent windows are incomplete and are not used for any headline. HMLR Price Paid, standard (category A) residential sales (detached, semi, terraced, flat) in the location's local authorities. New-build premium compares the median new-build price with the median existing-stock price within flats and within houses; it is a transaction-sample median, not a constant-quality index. Registrations lag completions by weeks to months, so the most recent months (and new-build plots especially) understate final counts; trailing-12-month figures are the steadier read.
Residential planning applications (new build, conversion, prior approval, mixed use, HMO, demolition and rebuild) from the Construction Capital council-portal scrapes, one record set per authority, over each council's rolling 12-month scrape window. Unit counts are stated only on some applications, so totals undercount. Councils not yet scraped are listed as missing, never estimated.
New companies with SIC 41100, 41202 or 68100 by registered-office postcode. The register snapshot holds live companies only, so earlier windows lose companies since dissolved; read year-on-year change as indicative.
Data vintage: charges registered to 2026-10-30, satisfactions filed to 2026-11-02, company register snapshot 2026-11-01, Land Registry transactions to 2026-09-30. Area covered: Croydon (local authority boundaries). Minimum sample 30. 17 cuts suppressed for sample size.
Sources: Companies House charge register, Construction Capital analysis; HM Land Registry Price Paid Data, Construction Capital analysis; Council planning portals, Construction Capital planning scrape. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0. Companies House data is public and reused under the Open Government Licence.
You are welcome to cite or chart these figures with a link to this page.
FAQ
Development exit in Croydon: common questions
How much development lending is there in Croydon?
Development lenders registered 143 new charges in Croydon in the 12 months to September 2026 (+70.2% on the year before), taken by 76 companies. It counts loans taken, not their value.
How many Croydon schemes are past a normal development term?
Measured by charge age, 63.3% of the live development book in Croydon was older than 24 months at 30 September 2026. The national figure was 61.3%.
What is development exit finance?
A short-term loan taken at or near practical completion. It repays the development lender and funds the sales or letting period, often at a lower rate than the development loan it replaces, and can release equity for the next scheme. Our development exit finance page covers how it is sized and priced.
Where does this data come from?
Companies House charges and company registrations, HM Land Registry Price Paid Data and council planning portals, all analysed by Construction Capital. Figures below the minimum sample of 30 are suppressed, and lenders are grouped into categories rather than named.
Completing a scheme in Croydon?
Send us the scheme, the current facility and the sales position and we will give a view on the exit options and indicative terms.