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Revitalising New-Build Projects from the Ground Up

Here at, we offer funding to kickstart the creation of fresh properties. No matter the scale or scope of your ground-up development, every project presents its own distinctive challenges.

We're by your side every step of the way, extending a development loan covering the land value, 100% of construction expenses, and up to 70% of the gross development value. Let's work together to breathe life into your vision.

Our easy ground up residential development finance process

At or UK Property Finance, we're deeply rooted in the property world. We understand the ins and outs because we've been there ourselves. We grasp the challenges of delays and navigating regulations first-hand. And we certainly know the elation that comes with seeing your project thrive.

Our team comprises seasoned property developers, property banking experts, and RICS-qualified valuers. We stand shoulder-to-shoulder with you, offering guidance and technical know-how whenever you require it. With a fresh entrepreneurial outlook, we approach each project anew, crafting solutions tailored to your specific requirements and adjusting them as the journey unfolds.

Reach out to us, and our team of property and finance experts will have a chat with you. Tell us about your project's requirements, and we'll leverage our financial expertise and property acumen to craft a tailored solution, wherever possible.

Count on us for swift delivery of our offer of finance. With credit-backed terms, you can proceed with confidence and clarity. Once our streamlined verification process is complete, your drawdown date will be within reach. Focus on your expertise while we handle the financial aspects.

Types of Development Finance

When looking for development finance it is important to identify the type of project being planned by the developer in order to access the correct funding product. Types of works can include:

ground up build development finance

Ground up builds

New builds nearly always require development finance loans. Once the project is completed, developers may use development exit finance as a more cost-effective solution, but this cannot be done before the project is watertight.

property conversion or restoration finance

Large scale restoration and property conversions

For this type of project, refurbishment finance is typically the correct type of loan to use, however if the project is larger than the norm, development finance may be a better alternative.

property refurbishment finance

Property refurbishment

A refurbishment loan, which is a type of bridging finance, is generally used for property renovations. It can be used for various improvements including, installing a new roof, general structural changes, building an extension, refurbishment, and decoration.

bridging loan property development

Bridging loan for property development

Property investors or developers may want to buy property which needs development or completion work still doing and are unable to get funding from their bank. This is a typical scenario when a bridging loan is a suitable alternative.

How is Development Finance Repaid?

Development finance loans are typically paid in one of the following three ways:

Paid in full

The total loan amount is paid in full, using the profits, when the project is complete, and the properties have been sold.

refinance with long term loan

Refinancing using a long term loan

This usually happens when the developer wants to keep the development for either personal use or for rental purposes.

development exit finance

Refinancing using a Development Exit Bridging Finance

This type of short term loan is often used to fund a new development project before the current project is sold. It can also be used to give developers a bit of breathing space to complete minor works and find buyers.

Frequently Asked Questions

Yes, you can! Property development finance is a specific type of loan designed to fund the purchase, construction, renovation, or conversion of property. Unlike regular mortgages, these loans are short-term and released in stages according to project milestones.

Deposits for property development finance typically range from 20% to 40%, depending on the lender, project complexity, and your experience. Some lenders may require additional cash reserves to cover unexpected costs.

No, you cannot get a traditional mortgage on land without planning permission. However, some lenders offer specialised bridging loans for land purchases, but these are short-term and have higher interest rates. Obtaining planning permission before securing financing is usually recommended.

The amount you can borrow depends on several factors, including:

  • Loan-to-gross development value (GDV) ratio: This ratio represents the maximum loan amount as a percentage of the expected property value after development. Lenders typically cap this ratio between 60% and 80%.
  • Project feasibility: Lenders assess the project's viability based on your plans, experience, market demand, and financial projections.
  • Your financial strength: Lenders consider your personal income, creditworthiness, and existing assets.

Development Finance Products

Contact Us

Contact Details

pin Office Block 2, Nursery Court, Kibworth Business Park, Harborough Road, Leicester, LE8 0EX

phoneTelephone: 0116 464 5514


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