Tailored development finance solutions for property projects

Whether you're building from the ground up or converting a commercial property into residential units, development finance can be the key to unlocking your project's potential. As a specialist finance broker in the UK, we source flexible, structured funding solutions that work for both experienced developers and first-time builders.

What is development finance

Development finance is a short-term funding facility used to finance residential, commercial or mixed-use property development projects.

It typically covers:;

Land purchase
Construction costs
Professional fees and contingency
Interest rolled into the loan
Funds are released in stages ("drawdowns") after surveyor sign-off

Development finance is available for:

Ground-up residential or commercial builds
Heavy refurbishment and conversions
Multi-unit developments or single dwellings
Mixed-use and permitted development projects
Exit bridging loans (extra time to sell or refinance)

How we can help

As a specialist broker, we work with a panel of mainstream, challenger, and private lenders, many of whom are not accessible directly to borrowers. Our job is to:

Understand your project, cashflow, and exit strategy
Match you with the most suitable lender for your project
Present your application in the strongest light
Negotiate competitive terms, including interest rates, fees, and leverage
Coordinate with surveyors, solicitors, and lenders to ensure a smooth process

We can assist with first-time development projects as well as experienced developers scaling up.

Case Study: Residential Development in Kent

Client:

First-time developer

Property:

Two 3-bed semi-detached homes on a vacant plot

Land Value:

£180,000

Build Costs:

£290,000

Gross Development Value (GDV):

£720,000

What We Arranged:

Development finance facility of £430,000 (to cover land and 100% of build costs)
Interest rolled up
12-month term with option to extend
LTGDV: 60%
Exit strategy: Sale of both units

Result:

The client sold both units within 10 months, repaid the facility, and cleared over £120,000 in net profit after finance costs.

Frequently asked questions

Property developers, investors, or landlords undertaking new builds, conversions, or major refurbishments. Experience helps but isn’t always required.

Lenders typically offer up to 70% of the land value and up to 100% of the build costs, depending on experience and project strength.

Rates usually range between 6–12%, depending on the loan size, term, and risk level.

Funds are released in stages — known as drawdowns — as the project progresses and is verified by a surveyor.

Typically 4–8 weeks from application to completion, depending on how quickly documents and valuations are completed.

Yes, but options are more limited. Having planning permission in place usually improves your rates and loan-to-value.

Let's build something together

If you're planning a development project and need tailored finance, we're here to help. We offer:

Fast, honest advice from experienced brokers

Access to exclusive lenders and private funders

Help packaging your proposal and cashflow forecasts

Ongoing support from offer through to project completion

Get in touch today for a free, no-obligation consultation.