4.25%
South East prime yield (Knight Frank)
Sussex
Build to Rent Finance in Horsham
Development finance, forward funding, development exit, investment and term debt for build to rent schemes in Horsham. This is finance for the rental scheme as an income-producing asset.
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging development finance · Reviewed June 2026
4%
South East rental growth (Knight Frank)
973
Horsham pipeline homes (Construction Capital)
£5.3bn
UK BTR investment, 2025 (Savills)
We arrange build to rent finance in Horsham for developers, housebuilders, operators and investors. Whether you are funding a ground-up multifamily block, a single-family rental scheme, a conversion or a co-living scheme, or refinancing a stabilised asset onto term debt, we read the appraisal and the numbers, then take the case to the lenders most likely to fund it across Sussex.
A Horsham rental scheme is assessed on its appraisal: the land, the build contract, the planning consent, the gross development value and the net operating income the finished homes will produce once let. Prime stabilised stock in the South East prices at around 4.25% net initial yield (Knight Frank, Sept 2025), the benchmark a lender and an investor read when they value a Horsham scheme.
Build to rent finance structures for Horsham schemes
We arrange the full range of build to rent finance for Horsham developers and investors. Development finance funds a ground-up build, indicatively to around 60 to 65 percent of cost or 70 to 75 percent of gross development value. Forward funding brings an institutional investor in to fund the scheme up front and buy it on completion. Forward commitment fixes a buyer at practical completion while the developer funds the build. Development exit finance replaces development debt at completion to lower the cost while the homes let up. Investment and term finance sits behind a stabilised, income-producing asset, sized on the net operating income and debt service cover. Bridging moves at site-assembly pace, and mezzanine or equity stretches the leverage where the senior loan will not reach. We match each case to the lenders and funders that back this kind of scheme across Sussex.
Build to rent scheme types we finance across Horsham
Each kind of rental scheme is appraised and underwritten differently, and we arrange finance for all of them in Horsham and across Sussex. That covers multifamily apartment blocks, single-family housing let to families, co-living schemes, regeneration and mixed-use schemes, commercial-to-residential conversions, modular and modern-methods-of-construction schemes, affordable and mid-market rental, and prime build to rent. A multifamily block turns on the stabilised net operating income and the operator. A single-family scheme turns on phased delivery and a portfolio exit. Knowing which lender backs which scheme type here, and at what leverage, is the work we do before a case ever reaches a credit committee. Local planning records show 7 larger residential schemes in the Horsham pipeline, around 973 homes in total, the kind of development that build-to-rent finance funds.
Finance we arrange for Horsham schemes
The South East build to rent market and your Horsham scheme
The largest regional housing market: the Home Counties commuter belt, single-family BTR heartland and high-value towns. The strongest single-family BTR region, with deep commuter-belt demand and the keenest regional yields outside London. Rental growth has run at about 4% (Knight Frank, FY2025). Prime stabilised stock in the South East prices at around 4.25% net initial yield (Knight Frank, Sept 2025), the benchmark a lender and an investor read when they value a Horsham scheme. The local residential market gives the context a lender reads alongside the scheme: a median sold price of about £430,000 across roughly 1,668 transactions in the last year (HM Land Registry, via the Construction Capital data lake). Lenders and funders read these regional yield, rental-growth and pipeline trends, alongside the scheme's own appraisal, when they size a facility for a Horsham build to rent scheme.
- The heartland of single-family housing BTR, the fastest-growing part of the sector (Savills, Knight Frank)
- Home Counties commuter-belt demand within reach of London
- High house prices that lock would-be buyers into renting
Live pipeline
Build to rent and residential development in Horsham
7 larger residential schemes in the Horsham District Council planning records, around 973 homes in total, a real read on local development appetite and forthcoming rental supply.
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Land Parcel at 518445 111452 Kings Barn Lane Steyning West Sussex
Application for Approval of Details Reserved by Condition 13 (construction phase surface water management plan) to approved application DC/26/0325 (Removal of conditions 19 (water efficiency measures) and 21 (water neutrality strategy) and variation of trigger…
View on the planning portal → -
Land South of Adversane Adversane Lane Adversane West Sussex
EIA Scoping Opinion for a mixed-use development for a new settlement to accommodate 3,200 dwellings, employment uses, community uses and supporting infrastructure.
View on the planning portal → -
Land at Lower Broadbridge Farm Billingshurst Road Broadbridge Heath Horsham West Sussex RH12 3LR
Reserved matters application for the erection of 133 dwellings following approval of outline application DC/22/1052 as amended by DC/25/1886, relating to appearance, landscaping, layout and scale
View on the planning portal → -
Hilland House New Road Billingshurst West Sussex RH14 9AA
Removal of conditions 30,31 and 32 of previously approved application DC/24/0749 (Outline Application for redevelopment of the site to provide up to 125 dwellings, ancillary parking new landscaping and open space, an ecological and woodland park together with…
View on the planning portal → -
Land Off Old Crawley Road Faygate West Sussex
Outline Application for a development of up to 120 dwellings (including 45% affordable) with all matters reserved except for access.
View on the planning portal → -
Abingworth Nurseries Storrington Road Thakeham West Sussex
Variation of condition 1 of previously approved application reference DC/22/0773 (Variation of Condition 1 of previously approved application DC/19/1707 (Revised layout for Phase 3 of the Abingworth Meadows development (Original application ref: DC/10/1314) to…
View on the planning portal → -
Land North Of The Rise Partridge Green West Sussex RH13 8JB
Removal of Condition 14 of previously approved application DC/22/0301 (Outline Application for redevelopment of the site to provide up to 55 dwellings, ancillary parking and associated infrastructure with all matters reserved except access) relating to water n…
View on the planning portal →
Source: local-authority planning records via the Construction Capital data lake, filtered to larger residential development schemes. Live applications, not an indication of consent.
Local rental-demand context, Horsham
A build to rent scheme is funded against the rent its homes will command and the value of the stabilised income. As local market context, Horsham recorded around 1,668 residential property sales over the past year at a median of £430,000 (steady market), a read on local pricing and demand. The scheme itself is valued on its gross development value and stabilised net operating income, not on these sold prices alone.
Source: HM Land Registry residential price-paid data, last 12 months, via the Construction Capital data lake. Local market context only.
FAQ
Build to rent finance in Horsham: common questions
How much can I borrow to build a rental scheme in Horsham?
Most development lenders fund up to around 60 to 65 percent of total cost, or 70 to 75 percent of gross development value, capped on the lower of the two. Mezzanine or equity can stretch that toward 80 to 90 percent of cost. The facility is sized on the appraisal, the build cost, the gross development value and the stabilised net operating income, not on a personal income. We hold more than one hundred lender relationships and shortlist the desks most likely to back a Horsham scheme.
Which lenders provide build to rent finance in Horsham?
We work across challenger and development banks, specialist real-estate lenders, debt funds and institutional forward funders. The right lender for a Horsham scheme depends on the scheme type, the developer's track record and the leverage and structure you need, and we match the case to the desks and funders that actively back it across Sussex.
What yields does the South East build to rent market trade at?
Prime net initial yields are reported by region and city tier rather than town by town. Prime stabilised stock in the South East prices at around 4.25% net initial yield (Knight Frank, Sept 2025), the benchmark a lender and an investor read when they value a Horsham scheme. We read these benchmark figures alongside the individual scheme's appraisal and stabilised net operating income when we structure a facility.
Do you only arrange finance in Horsham?
No. We arrange build to rent finance across the whole of Sussex and the wider UK, with the same approach: read the scheme and its appraisal, match the case to the lenders and funders that back the type, and negotiate terms on the borrower's behalf.
Funding a rental scheme in Horsham?
Send us the scheme and the appraisal and we will come back with a view on fundability and likely terms within one working day.