Property Development Finance UK: Complete Developer Guide

Welcome to our specialist guide on development finance uk in the UK. Property development finance provides structured short-term capital to fund land acquisition and construction works. Specifically, access whole-of-market funding up to 70% GDV and 90% Loan-to-Cost. In addition, staged drawdowns support new builds, conversions, and commercial schemes.

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← Overview Hub

1. Basics

Up to 70%

Gross Development Value (GDV)

Up to 90%

Loan-to-Cost (LTC) Gearing

1–3 Days

Decision in Principle (DIP)

Staged

Drawdowns Paid in Arrears

Explore the 5 Knowledge Pillars

Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:

Pillar 1

1. Basics

First, understand core development funding mechanics. Specifically, evaluate GDV and LTC calculations, qualifying conversions, and FCA regulatory criteria.

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Pillar 2

2. Speed & Process

Next, follow our step-by-step development process. In addition, compile appraisal packs, navigate credit committees, and manage surveyor drawdowns.

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Pillar 3

3. Rates & Costs

Furthermore, review complete pricing transparency. Crucially, calculate interest margins, rolled-up interest mechanics, professional fees, and exit fee structures.

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Pillar 4

4. Strategy

In addition, explore strategic funding frameworks. Consequently, finance HMO conversions, stack senior and mezzanine debt, and leverage Permitted Development rights.

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Pillar 5

5. Hacks

Finally, discover insider developer tactics. In practice, fund first-time projects, secure 100% cross-collateralised loans, and execute exit bridge refinancing.

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Property Development Desk

Need Specialist Development Finance?

Specifically, Simon Carr, Specialist Finance Expert, and our senior lending desk structure senior, mezzanine, and stretched debt across 80+ UK property lenders. Furthermore, receive fast Decisions in Principle and bespoke facility sizing. Crucially, reviewing these criteria helps you secure the best development finance uk deals.

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