Brentwood, Essex
Bridging Loans Brentwood Essex
Brentwood is a premium commuter town in south-west Essex, sitting in CM13 to CM15 on the M25 fringe with the Elizabeth Line terminus immediately to the east at Shenfield. We arrange specialist bridging finance across every Brentwood postcode, working with owner-occupiers in chain-break, small developers, landlords and high-net-worth borrowers drawn by the M25 and Crossrail access, the school catchments and the Brentwood premium country market that anchors the wider TOWIE belt.
Brentwood median
£480,000
Across CM13, CM14, CM15 postcodes
Recent sales tracked
18
Land Registry, last 24 months
Dominant stock type
Detached
39% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
Brentwood in context.
Brentwood carries a population of around 76,000 across the wider borough and is one of the most affluent local authorities in Essex by household income. The town centre sits on the High Street with a Georgian and Victorian core around the parish church of St Thomas of Canterbury and the Brentwood Cathedral. Shenfield to the east, in CM15, is the Elizabeth Line terminus and the western entry into central London via Crossrail. Hutton, Pilgrims Hatch, Ingatestone and the surrounding Brentwood villages form the wider commuter and country-house catchment.
The TOWIE association from the long-running ITV series has reinforced the town's identity as a premium commuter belt, with Sugar Hut and the Brentwood retail and food scene anchoring the night-time economy. Property stock leans heavily to detached and semi-detached housing, with limited terrace and flat stock relative to other Essex towns. Significant new-build stock has come through the Brentwood Place, Hatch Place and Hutton Mount belts.
Sold-data signal
Property market in Brentwood.
Transaction data across the CM13, CM14 and CM15 Brentwood postcodes shows a median sold price of around £535,000 across the most recent 18-month sample, with CM13 at £555,000 (Hutton, Brentwood South), CM14 at £515,000 (town centre, Pilgrims Hatch) and CM15 at £575,000 (Shenfield, Hutton Mount). This is one of the highest medians in Essex outside Loughton. Detached houses dominate the volume.
Most Brentwood transactions sit between £400,000 and £825,000, with a premium tier in Hutton Mount, Ingatestone, Stondon Massey and the Brentwood South detached belt reaching £1.2 million to £3.5 million. Recent sales we track include a Hutton Mount detached at £1.65 million, an Ingatestone period house at £925,000, a Shenfield Hall Lane detached at £1.45 million, a Brentwood High Street period flat at £385,000 and a Hutton semi at £585,000.
Deal flow
Bridging activity in Brentwood.
Two deal flavours dominate the Brentwood book. First, premium chain-break bridging for owner-occupiers. Most cases run £500,000 to £2 million, structured as regulated bridges at 0.55 to 0.75% per month and 65 to 70% LTV through our regulated partner firms. Term typically 6 to 12 months against an open-market sale of the borrower's existing home. The Brentwood chain-break book is one of the largest in our wider Essex flow, reflecting the high transaction values and the speed at which premium buyers want to move on opportunities.
Capital-raise bridging against unencumbered or low-LTV Brentwood
capital-raise bridging against unencumbered or low-LTV Brentwood premium homes. Long-standing owners of Hutton Mount, Ingatestone or Shenfield detached stock raise £400,000 to £1.5 million second-charge facilities to fund deposits on the next country house acquisition, to extend works on an existing project, or to fund a business deal. LTV typically 55 to 65% against open-market value, rate 0.85 to 1.05% per month, term 6 to 12 months.
Refurbishment bridging on the Brentwood premium stock
Refurbishment bridging on the Brentwood premium stock is a third stream, with works budgets often £75,000 to £350,000 against purchase prices of £700,000 to £1.5 million. Dev-exit refinance on the Brentwood Place and Hatch Place schemes forms a fourth stream. Auction completions are a fifth, occasional stream, mostly probate sales of premium country stock through the London rooms.
Streets and postcodes
Named streets we work across.
Brentwood sits in CM13, CM14 and CM15.
Postcode areas
Streets in our regular bridging flow (13)
Read the full Brentwood geography note ›
Brentwood sits in CM13, CM14 and CM15. Named streets in our regular bridging flow include High Street, Crown Street, Hart Street, Kings Road and Western Road through the CM14 central grid, Ingrave Road, Hutton Road and Mascalls Lane through CM13, Hall Lane, Hutton Mount Avenue, Wadham Park and Friars Avenue through CM15. The Hutton Mount premium belt sits in CM13 and CM15. Ingatestone village in CM4, immediately north of Brentwood, forms a steady premium commuter catchment with named streets including High Street, Stock Lane and the Ingatestone Hall estate fringe.
Demand drivers
Transport and rental demand.
Brentwood railway station sits in CM14 on the Elizabeth Line with direct services to central London, journey to Liverpool Street typically 35 minutes and to Tottenham Court Road around 50 minutes. Shenfield in CM15 is the Elizabeth Line terminus and the principal commuter entry, with the additional National Rail mainline to London Liverpool Street and onward to Chelmsford, Colchester, Ipswich and Norwich. The M25 sits immediately south at junctions 28 (Brook Street) and 29 (Romford Road).
Demand drivers are the Elizabeth Line and the M25, the premium school catchments including Brentwood School (an independent school dating from 1558), Shenfield High School and St Martin's School, the proximity to the City and Canary Wharf via Crossrail, the TOWIE-belt identity supporting the night-time economy, and the relocation flow from London families seeking premium suburban character within a 35-minute commute. Brentwood carries one of the strongest commuter premiums in the East of England and one of the most active premium chain-break bridging markets in our wider book.
Recent work
Our work in Brentwood.
Recent Brentwood bridging includes a £1.65 million premium chain-break facility on a Hutton Mount detached owner-occupier upsizing to a larger Ingatestone country house, arranged as a 9-month regulated bridge at 0.65% per month through our regulated partner firm. We also funded a £685,000 capital-raise second-charge against an unencumbered Hall Lane detached, 9 months at 0.95% per month and 55% LTV, with the borrower using the facility to fund a Crossrail-adjacent BTL acquisition portfolio across multiple Essex postcodes. A third deal funded a £2.15 million dev-exit refinance on a six-unit Brentwood Place scheme, 12 months at 0.95% per month and 65% of GDV. A fourth case funded a £945,000 refurbishment bridge on a Hutton Road period house, 12 months at 0.95% per month and 65% LTV, with stage drawdowns against monitoring inspections.
Land Registry, recent sold prices
Brentwood sold-price evidence
The most recent registered transactions across the CM13, CM14, CM15 postcode areas, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every Brentwood bridge we arrange.
CM13 median
£490,000
CM14 median
£425,000
CM15 median
£525,000
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | New Road | CM14 4FW | Flat | £395,000 |
| Mar 2026 | Woodman Road | CM14 5AU | Terraced | £372,000 |
| Mar 2026 | Surman Crescent | CM13 2PW | Detached | £915,000 |
| Mar 2026 | Hunter Avenue | CM15 8PE | Flat | £372,500 |
| Mar 2026 | Fearns Mead | CM14 5UQ | Detached | £700,000 |
| Mar 2026 | Brackens Drive | CM14 5UE | Semi-detached | £467,500 |
| Mar 2026 | Junction Road | CM14 5FG | Flat | £165,000 |
| Mar 2026 | Rollason Way | CM14 4DY | Flat | £288,000 |
| Mar 2026 | Falcon Drive | CM13 3GU | Terraced | £762,500 |
| Mar 2026 | Cory Drive | CM13 2PT | Detached | £1,600,000 |
Source: HM Land Registry Price Paid Data, last refreshed for the Essex 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.
Essex coverage
Where we work across Essex.
Brentwood sits inside a wider Essex bridging book. Click any marker to step into another town we cover.
FAQs
Brentwood bridging questions
Can you bridge a Brentwood premium chain-break above £2 million?
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Yes. We have lenders comfortable with premium chain-break above £2 million on regulated and unregulated security, including United Trust Bank, Octopus Real Estate, ASK Partners and OakNorth for the larger end. LTV typically 65 to 70% against open-market value, rate 0.55 to 0.85% per month on the cleaner regulated cases, term 6 to 12 months. The Hutton Mount, Ingatestone and Shenfield Hall Lane belts produce regular cases in this band.
Is Crossrail still lifting Brentwood and Shenfield values?
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Yes. The Elizabeth Line opened in stages through 2022 and 2023, with Brentwood and Shenfield seeing material uplift in rental and resale demand since opening. The Shenfield terminus has consolidated as a premier commuter hub, with both station-walk catchments lifting values by an estimated 10 to 18% above the pre-Crossrail trend. We continue to see the value flow into the wider Brentwood premium stock as buyers seek upper-tier homes within 10 minutes of the line.
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