Whether you’re an experienced property developer or taking on your first major build, funding is one of the biggest hurdles to overcome. Traditional lenders often don’t offer the flexibility or speed required to move fast in the property world, especially when opportunity knocks unexpectedly.
That’s where development finance steps in. It’s a specialist form of short-term funding designed to help property professionals build, convert, or refurbish residential or commercial developments. And with the right lender by your side, like us, turning ambitious plans into real, profitable projects becomes far more achievable.
What is development finance?
Development finance is a type of secured loan that’s specifically designed for property development projects. It’s not your standard mortgage or business loan, this funding is tailored to support projects from start to finish, offering funding based on the value of the land or property and the projected Gross Development Value (GDV).
You can use development finance to:
- Purchase land (with planning permission)
- Build residential or commercial properties from the ground up
- Convert or refurbish existing buildings
- Fund multiple phases of a larger development project
Unlike high street lenders, who may take weeks to reach a decision, a dedicated development finance provider can assess and approve funding far more quickly, something that’s often essential in a fast-moving property market.
Why choose us?
We connect developers with a hand-picked panel of specialist lenders, offering access to the best rates and terms available for their unique circumstances.
Here’s what sets them apart:
- Speed: Fast decisions and quick access to funds. No lengthy waits, no unnecessary delays.
- Expertise: The team understands the property development process inside and out, offering tailored advice and guidance.
- Flexibility: Each deal is structured around your project, not a one-size-fits-all product.
- Access: We work with lenders who understand risk, vision, and the reality of getting projects built.
Who is development finance for?
Development finance isn’t just for large-scale housebuilders. It can be a smart solution for:
- First-time developers needing funding to build on a plot they’ve acquired
- Experienced investors expanding their portfolio
- Builders converting commercial premises into flats
- Property professionals refurbishing a run-down house to sell or rent out
In short, if you’ve got a solid plan and a clear exit strategy, development finance can help make it happen.
How does it work?
The process is usually straightforward and much more developer-friendly than traditional lending:
- Initial enquiry: You provide details of your project, plans, and funding needs.
- Funding proposal: The team sources the most competitive offers from specialist lenders.
- Approval & legal work: Once approved, solicitors and valuers complete due diligence.
- Drawdown of funds: Funding is released in stages, linked to the build’s progress.
- Repayment: Usually made via sale or refinance of the completed property
This staged release ensures you have the capital you need at the right times, reducing financial pressure during the build.
Final thoughts
Property development can be one of the most rewarding ways to grow your wealth, but only if the finance is right. Development finance provides the agility, scale, and structure needed to get projects off the ground and completed successfully.
If you’re planning a build, conversion, or refurbishment and want to explore your funding options, speak to our team. They’ll help you find the right solution, so you can stop planning and start building.