UK Development Finance Solutions
Specialist funding for ground-up developments and major conversions. We secure flexible facility terms for experienced developers and investors across the UK.
- Up to 90% Loan to Cost
- 70% Gross Development Value (GDV)
- Market-leading rates from 6.5% PA
- Experienced broker support throughout
Trusted by UK Developers | Fast Decisions | Expert Market Knowledge
What is Development Finance?
Development finance is a short-term funding solution used to cover the purchase and build costs of a property project. Unlike a standard mortgage, the loan is often drawn down in stages as the project hits key milestones.
Who This Is For
This finance is designed for property developers, house builders, and investors undertaking residential or commercial projects. Whether you are building a single dwelling or a large-scale multi-unit scheme, we tailor the funding to your exit strategy.
Types of Development Finance
Senior Debt
The primary loan layer, typically covering up to 60-70% of the GDV.
Mezzanine Finance
Secondary funding to bridge the gap between senior debt and your own equity.
Joint Venture
Partnership funding where lenders provide up to 100% of the project costs.
How It Works
01
Inquiry
We review your project appraisal, costs, and GDV.
02
Terms
We secure indicative Heads of Terms from suitable lenders.
03
Valuation
Independent survey and legal due diligence are completed.
04
Completion
Funds are released for purchase and build cycles.
Key Features
- Interest can be rolled up or serviced
- Flexible term lengths (usually 12-24 months)
- Funding for purchase and 100% of build costs
- Simple drawdown process
Why Use Bridging Funding
- Deep access to specialist development lenders
- Rapid term sheet delivery
- Expert guidance on project appraisals
- Full support until project completion
What Lenders Look For
Lenders focus on the developer's track record, the realism of the build budget, and a solid exit strategy (either a sale or refinance into a BTL mortgage). A detailed project appraisal is essential for a fast approval.
Speed & Timing
We aim to secure Heads of Terms within 48 hours of a full project review. Total funding completion typically takes 4-8 weeks depending on the complexity of the legal work and valuation.
Frequently Asked Questions
Can I get 100% of the build costs?
Yes, many of our lenders will fund 100% of the build costs if the day-one value allows for a high enough loan.
Do I need planning permission?
Generally, yes. Lenders require full planning permission to be in place for ground-up development finance.
What is the maximum loan term?
Most development loans run between 12 and 24 months, with options to extend if needed.
Disclaimer: Development finance and commercial loans are for business purposes only. Your property may be at risk if you do not keep up repayments on a loan or any other debt secured on it. Rates and terms are subject to status and lender criteria.