DEVELOPMENT FINANCE

Fund your next
development.

We arrange staged-drawdown finance for residential and commercial developers. From land acquisition through to build completion, we match your project to lenders who actually understand construction.

Discuss Your Project 01772 217917

Up to 70% LTGDV

Phased Drawdowns

First-Time Developers

Rolled-Up Interest

How development finance works

Development loans provide a lump sum to purchase the land or site, typically covering 50-70% of the land value. The remaining funds are released in stages as your build progresses, usually covering 100% of the construction costs. The total facility is capped at around 60-70% of the Gross Development Value (GDV).

Interest is rolled up during the build phase, so there are no monthly payments to worry about while you are on site. You repay the capital and accumulated interest once the development is sold or refinanced.

What we arrange finance for

Residential

Single dwellings, multi-unit estates, apartment blocks, barn conversions and change-of-use projects.

Commercial

Retail units, office space, industrial premises, mixed-use schemes and student accommodation.

Lenders have very different appetites for residential versus commercial end-use. We know which funders suit which project type, and we present your scheme to the right underwriter first time.

Common questions

First-time developers

Most commercial lenders prefer a track record of completed projects, but we have access to specialist funders who will back first-time developers. The key is presenting a strong professional team: architects, project managers, quantity surveyors, and an experienced main contractor. Get those right and funding is very achievable.

Staged drawdowns explained

Your lender appoints a monitoring surveyor (QS) who inspects the site at each agreed milestone. Once they sign off, the next tranche of funding is released. This protects both you and the lender, and it means you only pay interest on money that has actually been drawn.

Planning permission requirements

Most lenders require full planning permission (FPP) before they will commit. Some will consider outline planning or permitted development rights, but the terms are generally stronger with FPP in place. We can advise on the best time to approach a lender based on where your planning application stands.

Exit strategies

Every development loan needs a clear exit. The two most common routes are selling the completed units on the open market, or refinancing onto individual buy-to-let mortgages if you plan to hold the stock. We stress-test your exit before we submit the application.

A broker who speaks your language

From full planning permission and Section 106 agreements to QS drawdowns and exit strategies, we handle the financial mechanics of your project so you can concentrate on delivering the build.

Other specialist services

Bridging Loans

Short-term finance when speed matters.

Mezzanine Finance

Second-charge lending to reduce your equity.

Property Refurbishment

Light and heavy refurb finance for value-add projects.

Mon – Fri	9am – 6pm
Saturday	By appointment
Sunday	Closed

Fund your nextdevelopment.