Property development finance supports builders, investors and developers looking to construct, convert or refurbish residential or commercial properties. Whether you’re managing a self-build, developing land, or undertaking a large commercial project, development loans provide access to funds at each stage of the build.

Unlike traditional mortgages, these loans are released in stages helping manage cash flow and ensuring funds align with progress. Terms are usually shorter than standard mortgages and designed specifically for projects that will be sold, refinanced, or rented upon completion.

We work with specialist lenders across the market to secure flexible funding structures, competitive rates, and terms tailored to your development timeline.

Self-Build Mortgages

Self-build mortgages are designed for individuals building their own home rather than buying one that’s already complete. Funds are released in instalments as construction progresses, helping you manage each phase of the build efficiently.

Common release stages include:

• Purchase of the plot or land

• Foundation stage

• Wall plate / roof structure

• Wind and watertight stage

• First and second fix

• Completion

Key benefits:

• Lower interest during construction, as you only pay on funds drawn

• Control over build quality and timescales

• Flexible drawdown to match your builder’s schedule

Some lenders offer advance stage payments (funds released before each phase begins), while others work on a traditional arrears basis (funds released after each stage is certified). We’ll help you find the most suitable structure depending on your build type and budget.

Commercial Developments

Commercial development finance is ideal for businesses or investors developing, expanding, or converting property for commercial use.

This type of funding can be used to:

• Purchase land or business premises

• Refinance existing property to release capital

• Fund the development or expansion of offices, retail units, or warehouses

• Convert commercial buildings to mixed or residential use

Loans are secured against the property or land and typically available for terms between 6 months and 5 years. Interest is often charged monthly, and in many cases, payments can be rolled up until the end of the project.

We work with lenders who specialise in complex commercial projects from single-unit redevelopments to large-scale mixed-use developments ensuring your finance package aligns with your project scope.

Land Developments

For those purchasing or developing land, property development loans provide short- to medium-term finance. These are often interest-only loans designed to fund:

• Land purchases (with or without planning permission)

• Site preparation and infrastructure costs

• Residential or commercial construction projects

Typical features:

• Terms of 6 to 18 months, depending on project size

• Interest rolled up into the loan no monthly repayments

• Funding based on gross development value (GDV) rather than current land value

• Drawdown in stages following independent surveyor sign-off

By structuring the funding this way, developers maintain strong cash flow while keeping costs predictable throughout the project.

Professional Support

Development projects carry multiple moving parts planning, contractors, insurance, and exit strategy. Ensuring the right protection is in place from the start helps safeguard your investment.

We can help you:

• Arrange site and build insurance to cover materials, public liability and structure

• Secure finance for professional fees, such as architects and engineers

• Plan your exit strategy, whether that’s sale, refinancing, or long-term letting

Having the right team and financial structure ensures smoother delivery and confidence at every stage of your development.

Ready to Discuss Your Project?

Whether you’re managing your first build or scaling a multi-unit development, we can help structure the right finance from start to finish.