What Funding We Can Source
We support developers across the UK, including in London, the South East, Midlands and major regional cities, as well as rural locations.
Ground-Up New Builds
Funding for single-unit and multi-unit residential schemes, from first spade in the ground to final sign-off. Loans can include land purchase plus 100% of build costs (subject to lender criteria).
Heavy Refurbishment Projects
For structural works, layout changes, extensions, and full internal reconfigurations — with staged drawdowns aligned to your build programme.
Conversion Finance
Ideal for office-to-residential schemes, commercial-to-residential, barns, and mixed-use transformations.
For conversions to residential we can source refinancing via buy to let mortgages, or for conversions to commercial we can source commercial mortgages.
Land Purchase (with or without planning)
Options available for land with full planning, outline planning, or (in some cases) land awaiting permission.
Development Exit Finance
Refinance completed or near-complete projects to extend the sales period, improve cash flow, or repay costlier development debt.
Mezzanine & Top‑Up Funding
For developers looking to reduce cash input and increase leverage within the capital stack.
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Loan size: £250k to £50m+ (project dependent)
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Interest rates: typically 7%–11% p.a., often rolled up
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Max LTGDV: generally 65–70%
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Max LTC: up to 80–90% with some lenders
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Term length: generally 12–24 months
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Drawdowns: staged drawdowns based on valuations
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Borrowing structure: SPV (Ltd company) or personal name
What Lenders Look For (Checklist)
✔ Full planning permission in place (or expected)
✔ Detailed costs and schedule of works
✔ Evidence of developer experience (first‑timers also considered)
✔ Clear project exit strategy (sale or refinance)
✔ Sensible GDV and build cost assumptions
✔ Appropriate cash/equity contribution
✔ SPV or limited company structure (preferred but not essential)
Our Process
Step 1 - Initial Conversation
We review your project, timescales, experience and preferred funding structure with you.
Step 2 - Project Information Review
We gather drawings, planning details, costings, schedule of works, sales values and exit strategy.
Step 3 - Market Search & Indicative Terms
We approach suitable lenders from our broad network and secure competitive, relevant funding proposals.
Step 4 - Application
We will fully package your application, documentation and any due diligence required to submit your application to the lender.
Step 5 - Completion & Drawdowns
We support you through valuation, legal work and staged releases to ensure your project moves ahead smoothly.
Development Finance FAQs
How much can I borrow for development finance?
It depends on your project, but many lenders offer up to 65–70% of GDV and 80–90% of total costs. Your leverage will depend on experience, location, planning status and lender appetite.
Do I need planning permission to apply?
Having full planning greatly improves your options, but outline permission or expected planning can still work in some cases.
Can I borrow 100% of build costs?
Many lenders will allow 100% of build costs as long as the project meets their LTGDV and LTC requirements.
Can first‑time developers get development finance?
Some lenders will consider first‑time developers if the project is sensible and the build is supported by experienced contractors and/or project managers.
How quickly can development finance complete?
Straightforward cases can complete in as little as 2-4 weeks, but complex sites my take longer depending on planning, valuations and legal work. Speak to us early to ensure we can meet your timescales.
What’s the difference between bridging and development finance?
Bridging loans provide short-term funding (typically less than 12 months) secured against a property for refurbishment works. Development finance is designed specifically to fund more major construction (usually 12-24 months), for example multi-unit projects, and includes staged drawdowns tied to the build progress.