4.8 Out of 5
Property Development Finance
- We broker development finance across new builds, conversions, refurbishments, and joint ventures — with access to 130+ specialist lenders and no hidden fees.
What is Development Finance?
Development finance is a short-term specialist funding product used to fund the purchase and construction costs of property development projects. It covers everything from light refurbishments of a single unit through to large-scale ground-up schemes across multiple phases.
Unlike a standard mortgage, development finance is structured around the project itself — lenders assess the gross development value (GDV), the strength of the build programme, and the credibility of the exit strategy rather than simply the borrower’s income. Funding is typically released in stages as the project progresses, keeping the cost of borrowing proportionate to what has been drawn.
We work across the full spectrum of development finance — refurbishment loans, ground-up development finance, and joint venture structures — with access to over 130 specialist lenders. Whether you are an experienced developer running multiple schemes or bringing your first project to market, we will match you to the right lender and structure your application to give it the best possible chance.
Case studies
Some of our projects
Land Bridge for 220 Apartments
£10,400,000
Airspace Development
£1,200,000
CBILS Refinance for 4 Detached Houses
£3,400,000
Enquiry to Completion in 4 weeks
£3,600,000
our team
team of experts
FAQs
Common Questions & Answers
Can a broker assist with complex development projects?
Yes, and this is precisely where a good broker like us can really help. Complex development projects have so many levels of planning, cash flow timing, risk analysis, and structuring that many conventional lenders are just not equipped to deal with. This could be large residential developments, mixed-use developments, phased developments, or projects that require complex financings such as senior debt, mezzanine, sub-debt, or even joint venture equity.
What we do is to take your transaction and break it down into structured information that lenders can understand. We assist you in analysing your capital structure, formulating your exit strategy (how you intend to repay or refinance), and preparing the necessary paperwork so that the specialist lenders can see the merits of your proposal.
Therefore, when your project is not so simple, a broker not only secures finance for you but also assists you in engineering a solution that will be supported by experienced lenders.
How quickly can a development finance broker arrange funding?
The time frame may vary depending on how ready your project is, the complexity of the structure, and how quickly you can provide essential information. However, we can significantly reduce the time frame compared to approaching lenders individually.
For most standard development finance transactions (where the plans are approved, valuations are available, and the exit strategy is clear), we have assisted clients in reaching decisions in principle within days to a few weeks. However, after a decision in principle, the full due diligence and legal process will normally follow, which takes 4-8 weeks, depending on the lender and the project details.
The key benefit of using us is that we do the chasing: preparing your application, communicating with surveyors and solicitors, and providing lender requirements early so that you are not waiting for answers to unexpected questions. This alone can save weeks on the process.
Do development finance brokers charge upfront fees?
People often misunderstand the answer to this question because it contains multiple parts.
We operate with complete transparency because we believe in this principle. We may charge an upfront fee but this will be communicated clearly at the start of our engagement. The fee (if charged) goes towards creating detailed deal structures and preparing multiple lender submissions for complex transactions that need extensive processing time and expertise.
Development finance brokers receive their payment through the arrangement fee, which lenders distribute at the loan’s completion. You should not expect to make any upfront payments to us. The lender will pay us after your financing process reaches completion.
The key is clarity: we always discuss who pays what and when before we proceed, so you’re never surprised by fees midway through your project.
Development finance broker vs bank – what’s better?
Can a development finance broker access private lenders?
Yes — and this is one of the biggest advantages of working with a specialist broker like us.
Many of the most competitive development finance deals today come from private lenders, specialist funds, or alternative finance sources rather than mainstream banks. These lenders are often more willing to consider bespoke structures, work with varying exit strategies, and lend against future value rather than just historical performance or income.
Because we have established relationships with over 130 lenders, including private and specialist sources you wouldn’t easily access on your own, we can bring to the table options that are genuinely off-market or not widely advertised. That means you’re not limited to one or two providers — you get proposals from lenders with different appetites, risk tolerances, and pricing structures.
