Finance Property Development Finance

Property Development Finance

Development finance

Property development finance is funding for either new building projects or comprehensive renovations. We can source development finance for residential, commercial and mixed-use projects. We’ve spent the last 15 years helping new and experienced property developers find the finance they need to start and complete their developments.

More often than not the developer will contribute the upfront land costs while the lender provides the build costs. Property finance loans are often drawn down in phases, as the development progresses.

The amount of borrowing depends on the underlying project, but finance is typically available for up to 75% of land and build costs and/or 60% of GDV, although we have on occasion been able to raise 100% of land and build costs. We work with those looking to fund development projects that need finance from £2million upwards.

Arranging your property development funding

As a rule, a property development loan, whether commercial or not, will have a term between 6 to 24 months, subject to the scope and type of project. They are usually arranged on an interest only basis with the interest rolled up into the loan, so no monthly payments are required.

The rates for development finance can be negotiated, as lenders will assess each case differently depending on the circumstances. We have significant experience in arranging property development funding and understand how to present your case to each lender to get you the best deal.

We have unlimited access to the market and have relationships with a panel of specialist property development lenders and other institutions, helping us to find you a tailored solution. At, we deliver truly independent solutions through our relationships with 84 global lenders, providing proactive advice while dealing with all aspects of our clients’ circumstances. We aim to make arranging your property development finance simple and easy, however complex your needs.

The Financial Conduct Authority does not regulate some aspects of commercial mortgages or business finance.

This Month’s Top Fixed Rate

Fixed rate
Initial rate: 1.35%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.46%

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This Month’s Top Variable Rate

Variable rate
Initial rate: 0.97%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.37%

Get This Rate

Some of this month's top interest rates are listed above; the actual rate will depend on your circumstances. Please note that this information does not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration on 020 7519 4900. The rate displayed may become out of date at short notice.

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