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.
Aerial view of new build housing construction site in England, UK

🔑 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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