Our Property Development Finance Brokers will arrange the perfect funding for your project
The best rates and unparalleled service
Market-leading pricing: Due to our extensive lender network and ability to negotiate preferable rates.
Extensive lender network: Access 100+ lenders including banks, development specialists, and Family Offices.
Tailored financing: Including standard development loans, development exit, mezzanine, and JV.
Dedicated support: Not just a broker – your expert adviser guides you from start to finish.
Flexible funding: Loan amounts from £250,000 with no upper limit.
All security types: Residential, commercial, mixed-use, and land.
Ideal for: All types of project, from smaller residential conversions to large multi-unit schemes.
All types of customer accepted: Whether you’re a seasoned professional or first time developer.
Need development funding? Contact our expert team, or continue to research below…
Click the tabs below to find your scenario…
- New Builds & Large Refurbishments
- Buying Land & Planning
- Mezzanine & Joint Venture
- Development Exit Loans
The right finance for New Builds and Major Refurbishments:
Whether you’re carrying out a significant refurbishment project, or a new build, then a Standard Senior Debt Development Loan is likely to be the best place to start.
What to expect:
• Loans will usually start from £500k (for smaller loans, see our Bridging Finance page), there’s no upper limit on how much you can borrow.
• Lenders for this type of finance will typically provide a loan of up to 65-70% of your project’s end value (GDV)
• In most circumstances, this will mean you can borrow 100% of your construction and professional fees, and up to 75% of your initial purchase costs.
• Arrangement Fees are added to the loan, and interest is ‘rolled up’ meaning cashflow is maintained through the project.
• We’re able to arrange funding for any type of development project, so get in touch today to find out more.
• See our FAQs below for more helpful information.
How we will help:
• As most lenders in this market are not ‘Highstreet Banks’ trying to find the right lender for your project and circumstances can be overwhelming.
• We will work with you to produce a ‘Proposal Pack’, then work with a short-list from our list of over 100 development lenders – ensuring that the pricing and terms are the best possible deal for you.
• We’ll manage the application for you, and stay involved all the way through the project to ensure you get the perfect outcome from your funding.
Get in touch to start the process today, or enter your project details in our quote tool below.
Unlocking potential before development begins
Why use this finance?
Acquiring land for development is a key first step, but often, sites are purchased before full planning permission is secured. Development finance can help fund land purchases while you work to increase its value through planning, implementation of planning conditions, or design work. Whether you intend to sell at a profit or proceed with construction, having the right finance in place is crucial.
- Secure land quickly – Finance available for purchasing land, with or without planning permission.
- Increase value – Fund planning applications, design work, and pre-development costs.
- Maximise returns – Leverage funding to enhance land value before selling or developing.
- Flexible finance – Loans structured for landowners, developers, and strategic land investors.
Get funding to acquire land and add value through planning – speak to our team today!
Boost your capital and maximise project potential
Why use this finance?
Developers sometimes need additional capital beyond their senior loan (standard development loans) to fully fund a project.
Mezzanine finance provides a second charge loan to reduce your equity contribution, while Joint Venture (JV) funding allows investors to partner on a project without requiring full upfront funding. These options are ideal for developers looking to take on larger or multiple projects.
- Increase leverage – Top-up your senior development loan with additional funding.
- Lower cash input – Reduce the need for upfront equity, preserving capital for other projects.
- Joint Venture options – Work with funding partners to bring projects to life without full equity investment.
- Higher returns – Bridge the gap between available capital and project costs to unlock increased return on investment.
Need extra funding to push your project forward? Talk to us about mezzanine or JV finance.
Free up capital before sales complete
Why use this finance?
Once a development is complete, you may not want to rush sales just to repay your lender.
Development exit finance helps you refinance at lower interest rates than your development loan, giving you more time to achieve the best sale prices…. you can also release capital for your next project. It’s an ideal way to reduce costs and manage cash flow between projects.
Lower-cost finance – Replace your development loans with lower cost ‘Development Exit’ finance.
Maximise returns – Release equity for reinvestment or to secure your next project.
Reduce lender pressure – Extend your timeline to complete sales at optimal market value.
Flexible repayment options – Interest rolled-up or serviced, depending on your needs.
Take control of your exit strategy – speak to us about refinancing your completed project.
Our customers keep choosing us to arrange their funding because…
We will save you money because we work with all types of lender, and will negotiate the best rates and the flexibility you need.
We will save you time because we’ll find the best loan quickly, and complete as much of the paperwork for you as possible.
We will reduce stress because we take full ownership of sourcing, arranging, and completing your funding; so you can relax knowing it’s all taken care of.
Our brokers are not only property finance experts, but are highly trained to deliver exceptional levels of service; no matter your requirements.
Some Frequently Asked Questions about Development Finance…
How much can I borrow?
The amount you can borrow depends on your project’s scale and value.
Typically, standard development finance covers up to around 65–70% of the Gross Development Value (GDV) of the completed project, or roughly 85-90% of your total project costs.
Lenders usually expect you to contribute the remaining 10–15% from your own equity.
In absolute terms, loans often start from about £500,000 and can go into the high millions, depending on the development. If your project needs higher leverage than a standard loan provides, some lenders offer additional financing solutions (like mezzanine loans or joint venture agreements) to top up the amount. We can help arrange the full ‘funding stack’ for you.
For smaller loans, take a look at our Bridging Finance page.
Can I do the work myself?
What sort of projects can I fund?
- Ground-up construction of new residential or commercial buildings
- Property conversions and heavy refurbishments (e.g. turning an office into flats)
- Land development where planning permission is in place
- Mixed-use developments (combining residential and commercial elements)
In general, any project that involves constructing or significantly improving property for profit can qualify.
Whether it’s a single house build, a multi-unit development, or a commercial project, there are lenders that specialize in that type of deal. It’s important to have the proper planning permissions and a sound business plan, as lenders will closely assess the viability of the project.
How long does development funding take?
Can I get finance for my first project?
Can I re-finance an existing loan?
What costs are involved?
Development finance comes with several fees and expenses in addition to interest. Common costs include:
- Lender arrangement fees – a fee for setting up the loan (often a percentage of the loan amount) which is usually added to the loan rather than paid at the start.
- Valuation and monitoring fees – the cost of an initial valuation report on the project and ongoing inspections by a surveyor who will monitor construction progress.
- Legal fees – covering the legal costs for both you and the lender.
- Exit fee – some lenders charge a fee when you repay or refinance the loan at the end of the term.
In most cases, the interest is rolled up (added to the loan balance) so you don’t make monthly payments – the entire loan plus interest is paid off when the project is completed. Many of the fees can be deducted from the loan itself, which means you’ll mainly need to pay certain costs (like valuation and legal fees) upfront. We will ensure that all of the costs above are budgeted correctly, and negotiate the best rates with our recommended lender.
Can I apply to a lender direct?
When do I have to re-pay the loan?
Can I get 100% development funding?
If you already own the land, then you’ll be able to raise all of the construction costs so long as any lending already secured on the site is at a reasonable level.
In most cases, lenders will require you to put in some of your own capital, so 100% financing is not a ‘standard’ option. Typically, a development lender might fund up to 80–90% of the project costs, meaning you must contribute the remaining 10–20% yourself
However, there are ways to achieve close to 100% funding through special arrangements. One option is to use mezzanine finance (a second, smaller loan on top of the main loan) to cover part of the required funding gap.
Another route is to enter a Joint Venture or profit-sharing agreement with an investor or the lender – in such cases the financier provides additional capital (even up to covering all costs) in return for a share of the profits on completion. These solutions can effectively allow for 100% funding, but they come at the cost of higher interest rates or giving up a portion of your profit. Always consult with your broker or financial advisor to determine if these options make sense for your situation.
Still unsure? Talk to one of our advisors today and we will clear up any concerns or questions you may still have.
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