BuilderFinanceUK

Fund Growth

Development Finance 

Unlock the full potential of your property project with BuilderFinanceUK’s expert-led development finance solutions. Our in-depth industry knowledge and customised approach ensure you secure the right funding structure to maximise returns and keep your project on track from acquisition to completion.

🔑 Key Aspects of Our Development Finance Solutions

  • Up to 100% Loan-to-Cost funding available with additional security or joint venture structures
  • Senior Debt, Mezzanine Finance, and Equity Funding tailored to suit your project size and structure
    Funding for residential, commercial, and mixed-use developments across the UK
  • Land acquisition finance, with or without planning consent
  • Staged drawdowns aligned with build schedules and certified progress
  • Competitive interest rates and flexible repayment terms to optimise cash flow
  • Support for ground-up developments, conversions, and large-scale refurbishments
  • Quick approvals and streamlined underwriting processes for time-sensitive projects
  • Access to a wide network of private lenders, banks, and specialist development funders
  • Comprehensive support including feasibility reviews, exit strategies, and financial modelling

✅ Senior Debt Funding – Key Criteria
 

  • Loan-to-Cost (LTC): Up to 75–80% of total project costs (including land, build, and finance)
  • Loan-to-GDV (Gross Development Value): Typically up to 65–70% of GDV
  • Equity Contribution: Borrower to contribute at least 20–25% of total costs, usually injected into land purchase
  • Use of Funds: Suitable for ground-up development, site acquisition with planning, or major refurbishment
  • Planning Permission: Full planning consent usually required before drawdown
  • Exit Strategy: Clear plan for sale or refinance of the completed development
  • Track Record: Demonstrated experience in delivering similar projects is preferred, but support may be available for first-time developers with strong team or project partners
  • Location: Sites must be in the UK, ideally in strong demand or growth areas (urban, suburban, or commuter belts)
  • Minimum Loan Size: Typically starts from £1 million, but smaller projects may be considered on a case-by-case 
  • Interest Payments: Can be rolled up, part-serviced, or fully serviced depending on lender and project cash flow

 

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