Development Finance

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Development Finance

What is property development finance?


Development Finance Questions and Answers

Detailed Planning consent needs to be granted (or Outline Planning with some reserved matters).

Development Experience is essential for larger schemes. Some lenders will fund “first-time” developers.

Fixed price contracts with main contractors are preferred, but not always necessary.

Most property development finance lenders do not expect pre-sales to be in place.

A clean & clear credit profile helps, and is essential for the most competitive lenders, however adverse credit is considered by some lenders.

A valuer will be instructed to comment on the current site value, the proposed GDV, along with appropriate market commentary.

A Monitoring Surveyor or Quantity Surveyor will be appointed by the lender, to audit the proposed build costs, to monitor progress on-site, and to assess draw-down requests for your building development finance.

Draw-downs are in line with the build programme and cash-flow, to be authorised by the lenders monitoring surveyor.

Commercial Property Development Lenders will generally require a pre-sale or pre-let to be in place.

The Key Features of Property Development Finance

Relevant Products

Fixed Rate Mortgages

We can help with a range of fixed rate mortgage products with competitive rates and terms.

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Tracker Rate Mortgages

If you are looking for a mortgage with a rate that follows the base rate set by the bank of England – we can help.

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Capped Rate Mortgages

If you are looking for a Capped Rate Mortgages we can help, we have access to a wide market of lenders who can help.

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Bad Credit Mortgages

If you have bad or adverse credit we may be able to help you secure a mortgage – from IVAs to CCJs we can help.

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Standard Variable Rate Mortgages

If you are looking for a standard variable rate mortgage with competitive rates & terms we can help.

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Repayment Mortgages

We can help with repayment mortgages – you’ll make monthly repayments for an agreed period of time on capital & interest.

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Property Criteria

Can I get development finance?

This is where we, as experienced finance brokers are invaluable, with our experience and knowledge of the development finance market. Once we have established your needs and requirements, we can then do our research to find the most appropriate lender. We will need to see a detailed Financial Appraisal, Detailed Build Costs and a Cash-Flow, the Planning Consent (and accompanying plans/ drawings), an understanding of the procurement method (will you be using a Main Contractor on a Fixed Price JCT, or will you be building yourself, using your own team?), a schedule of the proposed accommodation (number of units, size, beds/ baths) and a breakdown of the proposed selling prices, to give your total Gross Development Value. We will package the details and make a presentation to the relevant lenders, who will then provide us with Heads of Terms, outlining what they are proposing to offer, and at what cost.
We will of course make you aware of the likely terms available as soon as we can, enabling you to start the process.


What is the lending criteria for property development finance?


What level of information would I be expected to provide to the lender?

What is the lending criteria for property development finance?


Turned down elsewhere? We can help!

Whether you have been discharged 3 years or 12 months – it doesn’t matter, we can help.

We’ve been helping discharged bankrupts get back on to their feet and back on to the property ladder despite their circumstances.  Arranging a bad credit mortgage or mortgage product for discharged bankrupts is a scenario we regularly deal with.  Even if you have a history of bankruptcy and resposession we have access to whole of market lenders who will consider your application on various factors.

Latest Bad Credit Mortgage News

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