Development Finance
Need funding to get your property development under way?
Whether you’re a seasoned property developer or you’re just about to embark on your first renovation project, we can help you source the development finance you need.
We work closely with a range of trusted finance providers and understand which ones to approach to help find you the best finance deal according to your specific requirements. We’ll worry about arranging the finance, so that you can focus on what’s important – your build.
What is Development Finance?
Property development finance is a short-term loan for residential property developments, such as refurbishment projects or construction, that is usually based on gross development value – ie what will the site be worth when the refurbishment or construction project is finished – that is then paid back in stages.
How does development finance work?
Unlike a traditional mortgage lender that will consider the value of the property, a development finance lender will take the value of the completed property into account.
Here’s how the process works:
  • Submit your application including how much you paid for the site/ property, your development or refurbishment costs, professional fees and build timescales.
  • Credit searches will be run on your existing finances, experiences and the development location.
  • Once the loan has been approved there will be ongoing monitoring of your project .
  • A quantity surveyor derives in quantifying the various items of labour, material and plant that it takes to construct the project.
Who uses development finance?
It is often used by builders and developers planning extensive projects and ground-up developments. For example, if approved, development finance could be used to cover both land purchase and building costs.
A lender might finance 50% of a property purchase and 70% of the build meaning the developer would fund a much smaller amount up-front which frees up cash for unexpected expenses or other projects.
What we do
Our Services

Commercial Mortgage

Mortgage secured with company property

Find Out More

Bridging Loans

Get quickly approved for bridging finance

Find Out More

Buy to Let Mortgage

Explore some of our best financing options on offer

Find Out More

Owner Occupier

Purchase a property for your business

Find Out More

Refurbishment Finance

Improve the condition of your property

Find Out More


Explore our flexible financing deals

Find Out More

Standard Variable

Changeable rate set by your lender. May go up or down

Find Out More
Have a question?
Get in touch