Development Finance
Finance for property development projects — from ground-up new builds to major conversions and refurbishments. We arrange competitive funding from specialist development lenders.
Development Finance for Property Developers
Development finance is specialist lending designed for property construction and major renovation projects. Unlike standard mortgages, development finance is typically drawn down in stages as the project progresses, with the lender releasing funds at agreed milestones.
We work with specialist development lenders, private funders, and mainstream banks to arrange the most competitive terms for your project. Whether you're building a single house, a block of flats, or converting a commercial building into residential units, we can help.
Our advisers understand the development process and can help you structure your finance to maximise profitability while managing risk.
Types of Development Finance
Development finance comes in several forms depending on the scale and nature of your project. For smaller projects like single-unit builds or light refurbishments, a combination of bridging finance and personal funds may be most cost-effective.
For larger schemes — multiple units, ground-up construction, or commercial conversions — dedicated development finance with staged drawdowns is typically required. Some lenders also offer mezzanine finance to top up your senior debt, reducing the amount of personal capital you need to invest.
- Ground-up residential development
- Commercial to residential conversions
- Heavy refurbishment projects
- Multi-unit development schemes
- Land purchase with planning
- Mezzanine and stretch senior finance
Frequently Asked Questions
How much can I borrow for a development project?
Lenders typically fund up to 65-70% of the Gross Development Value (GDV) and up to 90% of the build costs. The exact amount depends on your experience, the project, and the land value.
Do I need development experience to get finance?
While experience helps secure better terms, some lenders work with first-time developers. Having a strong team (architect, project manager, builder) can compensate for limited personal experience.
How does staged drawdown work?
The lender releases funds at agreed milestones — for example, after foundations, after roof completion, and at practical completion. A monitoring surveyor inspects the site before each release.
Book a free consultation · Contact us