Development exit report · H1 2026

Norfolk Development Exit Report, H1 2026

Who is lending to developers in Norfolk, 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.

118
New development charges, 12 months to June 2026 (+29.7%)
35
Development loans filed as repaid, same 12 months
61.5%
Live development book over 24 months old (60.6% nationally)
1,438
New-build sales, latest settled 12 months (-2%)
Matt Lenzie
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging development finance · Reviewed September 2026
In short

The biggest move in Norfolk over the year to June 2026: new development lending climbed 29.7% to 118 charges. Meanwhile bridging and specialist lending to development companies climbed 8.6% to 101 charges. Loan age matters for exits: 61.5% of Norfolk's live development charges passed the two-year mark by June 2026 (national 60.6%). Planners approved 1,072 residential schemes in the last year in the councils we scrape (57% of the county), the next wave of exits.

Scorecard

Norfolk at a glance

How each signal moved over the year, measured the same way for every location we report on.

SignalNorfolkChangeBasisDirection
New development charges118+29.7%12 months to June 2026 vs the 12 months beforeUp
Development charges satisfied (exits filed)35-7.9%12 months to June 2026 vs the 12 months before; recent filings provisionalDown
Exit-type lending to developers101+8.6%bridging, specialist-bank and private-credit charges on development companiesUp
Live development book over 24 months old61.5%+0.9 ptsat 30 June 2026, compared with 60.6% across England and WalesIn line
New-build sales registered1,438-2%settled 12 months (registration lag allowed for) vs the 12 months beforeFlat
New developer and property companies472+3.5%SIC 41100, 41202, 68100 by registered office; live register onlyFlat
Companies House · development lending

Development lending and exits in Norfolk

Development lenders registered 118 new charges against sites and developers in Norfolk in the 12 months to June 2026, against 91 in the 12 months before (+29.7%). Those charges were taken by 71 separate borrowing companies.

Repayments ran at 35 over the same 12 months, 0.3 for every new charge against 0.4 nationally. The local book is still growing faster than it clears.

The median development loan repaid in the year ran 24.3 months from registration to repayment, against 27.1 months a year earlier.

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. Repayments are filed late, so the latest six months are provisional.

Norfolk: development charges registered and satisfied by quarter, 2022 Q1 to 2026 Q2; faded bars are provisional because repayments are filed late
New development chargesSatisfied (loan repaid)
010203040New development charges, 2022 Q1: 27Satisfied, 2022 Q1: 52022New development charges, 2022 Q2: 18Satisfied, 2022 Q2: 7New development charges, 2022 Q3: 8Satisfied, 2022 Q3: 2New development charges, 2022 Q4: 28Satisfied, 2022 Q4: 8New development charges, 2023 Q1: 10Satisfied, 2023 Q1: 152023New development charges, 2023 Q2: 16Satisfied, 2023 Q2: 8New development charges, 2023 Q3: 19Satisfied, 2023 Q3: 1New development charges, 2023 Q4: 18Satisfied, 2023 Q4: 5New development charges, 2024 Q1: 20Satisfied, 2024 Q1: 222024New development charges, 2024 Q2: 37Satisfied, 2024 Q2: 10New development charges, 2024 Q3: 15Satisfied, 2024 Q3: 5New development charges, 2024 Q4: 18Satisfied, 2024 Q4: 9New development charges, 2025 Q1: 29Satisfied, 2025 Q1: 52025New development charges, 2025 Q2: 29Satisfied, 2025 Q2: 19New development charges, 2025 Q3: 30Satisfied, 2025 Q3: 8New development charges, 2025 Q4: 30Satisfied, 2025 Q4: 16New development charges, 2026 Q1: 23 (censored by registration lag)Satisfied, 2026 Q1: 6 (censored by registration lag)2026New development charges, 2026 Q2: 35 (censored by registration lag)Satisfied, 2026 Q2: 5 (censored by registration lag)

Companies House charge register, Construction Capital analysis

Companies House · exit-type lending

Bridging and specialist lending to Norfolk developers

The exit and refinance market in Norfolk registered 101 charges on development companies over the latest year, up 8.6% from 93.

Most came from bridging lenders (65). Comparing half-years, 44 in H1 2026 against 62 in H1 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.

Norfolk: exit-type lending to developers bridging, specialist-bank and private-credit charges on development companies, rolling four quarters
0501001502002022 Q42023 Q42024 Q42026 Q2Exit-type charges, rolling 4Q, 2022 Q4: 66Exit-type charges, rolling 4Q, 2023 Q1: 63Exit-type charges, rolling 4Q, 2023 Q2: 59Exit-type charges, rolling 4Q, 2023 Q3: 67Exit-type charges, rolling 4Q, 2023 Q4: 61Exit-type charges, rolling 4Q, 2024 Q1: 58Exit-type charges, rolling 4Q, 2024 Q2: 75Exit-type charges, rolling 4Q, 2024 Q3: 76Exit-type charges, rolling 4Q, 2024 Q4: 76Exit-type charges, rolling 4Q, 2025 Q1: 94Exit-type charges, rolling 4Q, 2025 Q2: 93Exit-type charges, rolling 4Q, 2025 Q3: 109Exit-type charges, rolling 4Q, 2025 Q4: 119Exit-type charges, rolling 4Q, 2026 Q1: 104Exit-type charges, rolling 4Q, 2026 Q2: 101Charges 101

Companies House charge register, Construction Capital analysis

Companies House · lender categories

Who is lending in Norfolk

Of 1,412 property charges in Norfolk we could match to a lender type, 87.7% sat with specialist lenders (national: 88.4%). That is close to the national mix.

Lenders are grouped by category from the Construction Capital lender register and never named.

Who holds the charges: lender categories share of register-matched property charges, 12 months to June 2026
Specialist and challenger banksBridging lendersHigh-street banksDevelopment lenders, funds and other
NorfolkNorfolk, Specialist and challenger banks: 57.4%57%Norfolk, Bridging lenders: 29.7%30%Norfolk, High-street banks: 12.3%12%Norfolk, Development lenders, funds and other: 0.7%E and WE and W, Specialist and challenger banks: 60.5%61%E and W, Bridging lenders: 27.5%28%E and W, High-street banks: 11.5%12%E and W, Development lenders, funds and other: 0.5%

Companies House charge register, Construction Capital analysis

Land Registry · sales

How quickly new homes are selling

Norfolk recorded 1,438 new-build sales in the settled 12 months to July 2025, against 1,468 the year before (-2%). A new-build share of 9.6%; England and Wales ran at 8.3%.

The new-build premium was 59.3% on flats (£234,950 median) and 20.9% on houses (£335,000).

All residential sales totalled 14,270 in the settled 12 months to January 2026 (+3.5% 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.

Norfolk: new-build sales registered by half-year; faded bars sit inside the registration lag and will rise
05001,0001,5002,000New-build sales, 2022 H1: 1,0142022 H1New-build sales, 2022 H2: 1,0982022 H2New-build sales, 2023 H1: 7432023 H1New-build sales, 2023 H2: 7702023 H2New-build sales, 2024 H1: 6892024 H1New-build sales, 2024 H2: 7672024 H2New-build sales, 2025 H1: 6712025 H1New-build sales, 2025 H2: 350 (censored by registration lag)2025 H2New-build sales, 2026 H1: 15 (censored by registration lag)2026 H1

HM Land Registry Price Paid Data, Construction Capital analysis

Planning · pipeline

The next wave of schemes needing an exit

The approved pipeline in Norfolk: 1,072 residential consents in the latest 12-month window (681 other relevant, 135 conversion, 108 change of use), plus 411 pending.

Where an approval states units (230 of them), they add up to at least 1,268 homes.

Not yet covered: Breckland, Broadland, South Norfolk.

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.

Companies House · registrations

New developer companies

New single-purpose companies are where most schemes start. Norfolk added 472 in the year to June 2026, up 3.5% on the prior year, 226 of them developers.

Half-year to half-year: 231 in the first half of 2026, 253 a year before.

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

Norfolk against England and Wales

MeasureNorfolkChangeEngland and WalesChange
New development charges, 12 months118+29.7%9,544+11.7%
Development charges satisfied, 12 months35-7.9%3,785+21.1%
Live development book at 30 June 202650441,855
Share of live book over 24 months old61.5%60.6%
Exit-type lending to developers, 12 months101+8.6%5,241+3.4%
New-build sales, settled 12 months1,438-2%68,506-6.1%
New-build share of sales, settled 12 months9.6%8.3%
New developer and property companies, 12 months472+3.5%61,275+7%
What it means

What this means for developers exiting in Norfolk

2 signals rose in Norfolk (new development lending, exit-type lending) and 1 fell (loan repayments).

The age profile is close to the national picture, so the case for exit finance rests on each scheme's own sales rate, not a local squeeze.

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 Norfolk 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 the most recent six months are provisional and will rise. 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 2026-07-31, satisfactions filed to 2026-08-03, company register snapshot 2026-08-01, Land Registry transactions to 2026-07-31. Area covered: Breckland, Broadland, Great Yarmouth, King'S Lynn And West Norfolk, North Norfolk, Norwich, South Norfolk (local authority boundaries). Minimum sample 30. 9 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 Norfolk: common questions

How much development lending is there in Norfolk?

Development lenders registered 118 new charges in Norfolk in the 12 months to June 2026 (+29.7% on the year before), taken by 71 companies. It counts loans taken, not their value.

Are development schemes in Norfolk overrunning?

At 30 June 2026, 61.5% of live development charges in Norfolk were over 24 months old (England and Wales: 60.6%). Charges that old usually sit on schemes past their original term.

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.

More reports

Reports within Norfolk

Completing a scheme in Norfolk?

Send us the scheme, the current facility and the sales position and we will give a view on the exit options and indicative terms.