Fareham, Hampshire
Bridging Loans Fareham Hampshire
Fareham sits at the centre of the South Hampshire urban belt, between Portsmouth at the eastern fringe and Southampton at the western fringe, on the M27 corridor. The town carries a population of around 43,000 and a wider Fareham borough including Whiteley, Portchester, Stubbington and Titchfield running to around 115,000. We arrange bridging finance across the PO14 to PO17 postcodes that cover the town and its immediate fringe. Dev-exit on the Whiteley new-build pipeline, auction-to-BTL refurbishment, chain-break for corporate moves and small commercial bridging on the wider M27 corridor industrial belt dominate the desk's Fareham work.
Fareham median
£329,063
Across PO14, PO15, PO16, PO17 postcodes
Recent sales tracked
24
Land Registry, last 24 months
Dominant stock type
Detached
33% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
Fareham in context.
Fareham runs as one of the more important commercial and retail centres of the western Solent belt. The town centre carries the Fareham Shopping Centre at Westbury Manor and the Whiteley Shopping Centre at the borough's eastern edge, the latter a substantial outlet and leisure destination drawing trade from the wider South Hampshire and West Sussex catchment. Lockheed Martin operates a substantial UK office at Whiteley alongside other technology and defence businesses on the Solent Business Park. The town also carries the Solent Hotel and Spa and the wider hospitality and conference cluster around the Whiteley belt.
The Fareham borough is split between the town itself, the new-build Whiteley expansion at the eastern edge, the historic Portchester at the western edge with its Roman fort and harbour-side conservation area, and the Stubbington and Hill Head coastal belt at the southern fringe. The economic base is professional services, technology, defence and supporting commercial activity, with a substantial in-bound commuter pool from across the wider South Hampshire catchment. The town's character is mid-to-upper-mid-market with a strong family-home profile and one of the firmer owner-occupier resale markets in the South Hampshire belt.
Sold-data signal
Property market in Fareham.
Fareham sits across PO14 covering the Stubbington and Hill Head coastal belt, PO15 covering the Whiteley new-build expansion, PO16 covering the town centre and the inner ring, and PO17 covering the Wickham and Funtley rural fringe to the north. Median sold prices across the PO14 to PO17 range sit between £340,000 and £430,000, with PO16 town-centre flats and inner-ring terraces at the lower end and PO15 Whiteley new-build and PO17 rural detached stock at the upper end.
Property type split across the borough is roughly 28% semi-detached, 26% terraced, 24% detached and 18% flat, with the balance in conversion and mixed-use. The town carries an inter-war and post-war semi-detached belt, a Victorian and Edwardian core around the town centre, post-war estate stock at the wider expansion belt, and a 1990s to 2010s detached and semi-detached infill belt across Whiteley and the Stubbington fringe. Most Fareham bridging deals sit between £220,000 and £600,000, with the Whiteley and PO17 rural pockets stretching higher and the PO16 town-centre flat stock running smaller. Recent sales we track include a Whiteley four-bed at £535,000, a Portchester semi at £385,000, a Stubbington three-bed at £425,000 and a town-centre flat at £225,000.
Deal flow
Bridging activity in Fareham.
Four deal flavours dominate the Fareham book. First, dev-exit refinance on the Whiteley and wider borough new-build pipeline. The Whiteley expansion at the eastern edge of PO15 carries one of the larger active new-build pipelines in South Hampshire, with schemes of 12 to 50 units reaching practical completion in steady volume. Refinance bridges step the developer off the development facility while units sell, typical loan size £2 million to £8 million, rate 0.85 to 1.05% per month, term 9 to 12 months. Smaller infill schemes of 4 to 12 units across the wider borough generate £600,000 to £2.4 million bridges on similar terms.
Auction-to-BTL refurbishment on the PO16 inner ring
auction-to-BTL refurbishment on the PO16 inner ring and the older Portchester PO16 stock. The regional rooms regularly list terraces and town-centre flats in the £200,000 to £290,000 band, with works budgets of £18,000 to £35,000. Typical bridge 9 months at 0.85% per month, exit to BTL refinance.
Chain-break for corporate-relocation moves
chain-break for corporate-relocation moves. The Whiteley business park, the wider M27 corridor commercial cluster and the Portsmouth and Southampton commuter pool produce a steady relocation buyer flow. Regulated bridges from 0.55% per month pass to our regulated partner firm, terms 6 to 12 months against the sale of the existing home, typical loan sizes £300,000 to £600,000.
Small commercial bridging on the wider Fareham
small commercial bridging on the wider Fareham industrial estate at Broadcut, Cams Bay and the Solent Business Park. Trade-counter units, small workshops and office buildings come into the pipeline for refurbishment, lease re-gear or acquisition pre-term refinance. Loan sizes £400,000 to £1.5 million, 12 to 18-month terms at 0.95 to 1.15% per month.
A fifth steady stream is refurbishment-to-let on
A fifth steady stream is refurbishment-to-let on the PO14 Stubbington and Hill Head coastal belt, with three-bed semis at £350,000 to £450,000 carrying steady rental demand from the wider Fareham and Gosport employment catchment.
Streets and postcodes
Named streets we work across.
Fareham covers PO14 in the Stubbington and Hill Head coastal belt, PO15 in the Whiteley new-build expansion, PO16 in the town centre and inner ring, and PO17 in the Wickham and Funtley rural fringe.
Postcode areas
Streets in our regular bridging flow (13)
Read the full Fareham geography note ›
Fareham covers PO14 in the Stubbington and Hill Head coastal belt, PO15 in the Whiteley new-build expansion, PO16 in the town centre and inner ring, and PO17 in the Wickham and Funtley rural fringe. Streets we see consistently in the bridging book include West Street, High Street and Hartlands Road through the PO16 town centre, Portland Street and Trinity Street through the inner ring, and Yew Tree Drive, Highlands Road and the Whiteley grid through PO15. The Whiteley belt at Solent Way and Yew Tree Drive carries the larger dev-exit pipeline, and the Stubbington PO14 belt at Stubbington Lane and Mays Lane carries the coastal family-home stock. Portchester at the western edge of PO16 runs along Castle Street and Cornaway Lane with the harbour-side and Castle Road belt forming the conservation-area premium tier. Recent PO14 to PO17 sales we track include Whiteley four-bed at £535,000, Portchester semi at £385,000, Stubbington three-bed at £425,000 and a town-centre flat at £225,000.
Demand drivers
Transport and rental demand.
Fareham railway station sits at the centre of PO16, with direct services to London Waterloo in around 95 to 100 minutes, Southampton Central, Portsmouth Harbour, Eastleigh and the wider South Hampshire network. The M27 motorway runs along the northern edge of the borough at Junctions 9, 10 and 11, feeding Southampton west and Portsmouth east. The A27 connects the town east to the Portsmouth mainland fringe, and the A32 runs north to Bishop's Waltham and Alton.
Demand drivers are the Whiteley commercial cluster including Lockheed Martin, the Solent Business Park technology and defence employer base, the Whiteley outlet retail anchor, the wider M27 corridor commercial belt, and the substantial in-bound commuter pool from Portsmouth, Southampton and the surrounding villages. Rental yields across PO16 inner ring are firmer than the PO15 Whiteley premium tier, supporting both BTL investor flow on the older stock and owner-occupier chain-break on the new-build premium tier.
Recent work
Our work in Fareham.
Recent Fareham bridging includes a £3.85 million dev-exit refinance on a 22-unit Whiteley scheme reaching practical completion in PO15, 12 months at 0.85% per month, exited as units sold through over a 10-month sales window. We also arranged a £445,000 chain-break facility on a Whiteley new-build for a Lockheed Martin relocation buyer moving in from a Sussex sale, passed to our regulated partner firm at 0.65% per month for 6 months.
A refurbishment case funded a £325,000 bridge on a Portchester Victorian semi requiring full rewire, replumb and kitchen-diner extension, 12 months at 0.85% per month and 70% LTV, with £55,000 of works and a residential remortgage exit at £445,000 valuation. A fourth case funded a £685,000 commercial bridge on a Solent Business Park office building, 15 months at 1.05% per month, exited to a commercial term refinance once the new tenant lease was signed.
Land Registry, recent sold prices
Fareham sold-price evidence
The most recent registered transactions across the PO14, PO15, PO16, PO17 postcode areas, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every Fareham bridge we arrange.
PO14 median
£340,000
PO15 median
£330,000
PO16 median
£325,000
PO17 median
£321,250
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | Sheridan Gardens | PO15 7DY | Detached | £675,000 |
| Mar 2026 | Thyme Avenue | PO15 7GJ | Terraced | £280,000 |
| Mar 2026 | Westbury Road | PO16 7US | Flat | £105,000 |
| Mar 2026 | The Florins | PO14 4SZ | Detached | £520,000 |
| Mar 2026 | Marks Tey Road | PO14 3LE | Detached | £585,000 |
| Mar 2026 | The Fairway | PO16 8NS | Terraced | £255,000 |
| Mar 2026 | Highlands Road | PO15 6AA | Detached | £515,000 |
| Mar 2026 | Thames Drive | PO15 6EY | Semi-detached | £320,000 |
| Mar 2026 | Richmond Rise | PO16 8DG | Semi-detached | £406,000 |
| Mar 2026 | Myrtle Avenue | PO16 9JT | Terraced | £318,000 |
Source: HM Land Registry Price Paid Data, last refreshed for the Hampshire network in the trailing 24-month window. Bridging facilities are priced against the open-market value at the time of underwriting, not at the historic sold price.
Hampshire coverage
Where we work across Hampshire.
Fareham sits inside a wider Hampshire bridging book. Click any marker to step into another town we cover.
FAQs
Fareham bridging questions
Do you fund Whiteley dev-exit on multi-unit new-build schemes?
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Yes, this is one of our largest Fareham case types. The Whiteley expansion at the eastern edge of PO15 carries one of the more active new-build pipelines in South Hampshire, with schemes of 12 to 50 units reaching practical completion in steady volume. Refinance bridges step the developer off the more expensive development facility while units complete sale, typical loan size £2 million to £8 million at 65 to 70% of gross development value, 9 to 12-month terms at 0.85 to 1.05% per month.
Can you bridge a Portchester listed property in the conservation area?
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Yes. Portchester carries a substantial conservation-area belt with listed-building stock around the harbour and Castle Road. We use lenders comfortable with Grade II listed and conservation-area residential, expect a chartered surveyor familiar with listed work, and build extra term into the bridge to absorb listed-building consent timetables. Heavy refurbishment on listed Portchester stock typically runs 12 to 18 months at 0.85 to 1.05% per month with stage drawdowns released against monitoring inspections.
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