Finance that builds with you
Development finance is specialist funding designed to support large-scale property projects, from land acquisition and construction costs through to completion. It encompasses a suite of financing options including development loans, mezzanine finance, and development bridging facilities.
From seasoned developers with a portfolio of completed schemes to first-time projects, we connect you with lenders who understand property development and can structure funding around your build programme.
What you can fund
- New-build residential schemes, single plots to multi-unit
- Land acquisition with or without planning
- Commercial new builds, conversions, and change-of-use
- Property refurbishment and renovation
- Mixed-use developments
- Mezzanine and development bridging loans
- Part-completed projects requiring additional funding
- Pre-planning bridging finance
- Auction purchases for development
How development finance works
01
Third-party valuation assesses current value, build costs, and GDV
02
Lender funds 65–100% of build costs in staged drawdowns
03
Funds released at key construction milestones
04
Loan repaid on sale or refinance at project completion
Key benefits
Take on bigger projects
Access the capital to pursue larger, more lucrative developments that would be beyond reach using your own funds alone.
Maximise your ROI
By investing less of your own capital, you reduce the impact on profits and achieve significantly greater returns on the money you commit.
Up to 100% build costs
Some lenders will fund up to 100% of construction costs, with funding released in staged drawdowns aligned to your build programme.
Flexible terms
Terms from 6 to 24 months, structured around your project timeline. Smaller refurbishments to large multi-unit schemes accommodated.
Staged drawdowns
Funds are released at key construction milestones, so you only pay interest on what's been drawn, keeping costs controlled.
All experience levels
From first-time developers to those with a portfolio of completed schemes, we'll match you with lenders suited to your track record.
Important: Development finance is secured against the property or land being developed. Your property may be repossessed or a receiver of rent appointed if you do not keep up repayments on a loan or any debt secured against it. Always ensure you have a clear exit strategy, whether that's sale of units or refinance onto a long-term mortgage, before committing to development funding.
Related finance options
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Development finance calculator
Estimate the cost of a development finance facility, including drawdowns and rolled-up interest.
Illustrative only, not a quote. Facility £250,000 to £10,000,000.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
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