Development Finance
Funding for developers


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01244 389304

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Over 250 funding lines

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Decisions within 48 hours

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Funds within 4 to 6 weeks of application

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Borrow from £2,000

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3 month to 5 year terms

Loan Amounts and Funding Terms


Loan Terms

Loan terms between 3 months and 5 years with fixed monthly payments


Loan Amounts

Loan amounts over £2,000

Eligibility Criteria


Trading Time

Have you been trading for more than 12 months?


Company Status

Are you a UK limited entity, sole trader or partnership?


Loan Purpose

Are you looking to develop existing properties or brownfield sites?

construction working checking plans to calculate Development costs

Development Finance

Development finance is exactly what it says on the tin. This is where a lender provides finance in staged payments to help not only with the acquisition of a site, but also for the build costs to complete the scheme.

Initially the lender will consider what the property type is and will lend a maximum loan to value (LTV) of 65% usually. This is typically for schemes with an attractive return for the developer.

developer planning new property developments

How to apply for development finance?


Quick Applications

Fill out our application form in less than 5 minutes


Dedicated Support

Your application will be allocated to your dedicated case manager


Quick Responses

Your case manager will be in touch within 4 working hours


Minimal Paperwork

They will collect all required documents to process your application


Quick Decisions

You will receive a decision in principle within 72 hours


Fast Payouts

You will receive your funds within 4 to 6 weeks of application in most cases

The Benefits of Development Finance


Flexible Terms and Borrowing Amounts

Development finance is available over 3 months to 5 years.

Finance up to 65% LTV (Loan to Value) of your development projects, subject affordability assessments and credit checks.

All proposals are subject to full underwriting & acceptance.


Increased Spending Power

Whether you're looking to renovate an existing property or build a new one from the ground up, property development finance can provide you with the funds you need to get started.

With increased funding you can take on new projects or increase spending on existing ones, to maximise your potential returns on your investments.


Specialist Funding

By accessing this specialised form of financing, developers can overcome financial obstacles and capitalise on lucrative investment opportunities.

One of the main advantages of property development finance is the flexibility it offers.

Unlike traditional bank loans, property development finance can be tailored to suit the specific needs of the developer and the project.


Quick Payouts

Development finance often comes with faster approval times and less stringent eligibility criteria compared to traditional loans.

This means that developers can secure the necessary funds in a shorter period, enabling them to move forward with their projects more quickly.

Property development finance offers numerous benefits that can give you an edge in this competitive industry.

From funding for land acquisition to construction costs and even refinancing options, property development finance provides a flexible and tailored solution to meet your specific needs.

Understanding the advantages of property development finance can make a significant difference in your success. By securing the right financing, you can access the necessary capital to complete your projects on time and within budget.

This will enable you to take advantage of profitable opportunities and maximise your return on investment.

View our full range of business finance facilities here

Frequently Asked Questions

What is eligible for development finance?

We can lend against almost all property types, however the more common schemes consist of the following:

  • Brownfield sites with planning permission to erect residential, commercial and industrial schemes
  • Existing buildings with permitted development right to convert into the new scheme
  • Brownfield sites that fall under the work commencement rule
  • Existing developments that require completion
  • Buildings with planning permission that require demolition of part or all the existing property and erect a new building
  • Brownfield sites and buildings without planning for acquisition only; finance for build cost will only come into play once full planning is obtained

How do payments work for the build costs?

Money is provided in tranches, on a monthly drawdown, following sign off from a Quantity Surveyor (QS) on completion of works.

The QS will evaluate the works that have been completed from the previous month, if all is satisfied the next tranche of funding will be made available within 48 hours.

The cost of the QS varies cases by case, based predominantly on the size of the scheme.

Who is eligible for development finance?

  • Any company whether it be limited entity, sole traders and partnerships (sole trade and partnerships with 3 or less partners must be for business use only)
  • JV partners entering a scheme under a newly formed Special Purpose Vehicle (SPV)
  • Private individuals – for business use only
  • Charities
  • Pension schemes – SIPP and SASS
  • Expats
  • Foreign nationals with property in the UK

How much does it cost and how long is the term?

The Development Finance market is increasingly competitive with new lenders entering the market all the time, from private investors to mainstream banks.

Our rates start at 3% per annum and can be for a maximum term of 5 years depending on the size of the scheme.

How do I repay?

The most typical repayment method is the sale of the properties post completion. The lender will place a debenture over the borrowing company and all proceeds from sales, be it off-plan or post completion sales will automatically go towards the repayment of the facility, the remainder will be the developer’s profit.

Interest and capital are typically rolled up until the end so no payments are required other than that for the monitoring fees of the QS during the entirety of the build. You can opt to pay the interest on a monthly basis, however this is never normally recommended.

Can I get 100% development finance?

Venture (JV) agreement with a Lender. A JV agreement will require you to split the profit back end with the Lender, with profit always in favour of the developer.

They will also charge a rate of interest on the capital which will be deducted from the overall profits.

How long does it take before my money is available

Funds on Development Finance facilities typically have a lead time of 4-6 weeks, however for the more complicated cases it can take up to 12 weeks. Each case is different, and it will very much depend on a number of variables.

Related Resources

Property Development and funding

How to get started in property development and secure funding

Property Development takes planning, time and most importantly money.

There are many routes you can take to become a property developer, either alone, in a partnership or using a property investment company.

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Bridging Loans Explained

If you're in need of quick funding for a property purchase but don't have the necessary funds available, a bridging loan could be the solution you're looking for.

But what exactly are bridging loans and how do they work?

Whether you're a property investor or a developer looking to complete a project, bridging loans can provide the funding you need.

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What are short term business loans

A short term business loan is a type of financing that has a repayment period of less than one year.

These loans are often used by businesses who need funds to cover gaps in cash flow or unexpected expenses.

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