Development

Conversion finance

Funding to change the use or layout of a property, including commercial-to-residential and permitted development schemes.

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Conversion finance

Turning existing buildings into new homes and space

Conversion projects can unlock value from offices, shops, barns, pubs and large houses. Depending on the scale of the works, the right product may be heavy refurbishment bridging or full development finance.

We help assess which route suits the project, then package the planning position, works schedule and end values so lenders can see how the conversion delivers its return.

Historic red-brick mill building, the type often converted into apartments
Illustrative image: a historic mill building, the type often converted into apartments.

Common conversion projects

Commercial to residential

Offices, shops and other commercial buildings converted into flats.

Permitted development

Schemes using permitted development rights or prior approval.

Houses into flats

Splitting a large house into self-contained units.

HMO conversions

Reconfiguring property for multi-let use, subject to licensing.

What lenders usually want to see

  • Planning or prior approval: confirmation that the change of use is permitted.
  • Works and costs: a detailed schedule with contingency.
  • End values: evidence of what the completed units are worth.
  • Building control: how the works will meet regulations and be signed off.
  • Exit: sale of units or refinance once complete.

Talk to us about your project

Tell us about the property, the amount you need and your timescale. We will review the funding route, shape the exit strategy and package the case for suitable lenders.

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Property development finance Ground-up development Heavy refurbishment finance Development exit finance Commercial bridging loans

Important: All finance is subject to status, security, valuation and lender criteria. Terms and fees vary by lender.

Regulation: Development finance is not regulated by the Financial Conduct Authority.

Warning: Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a loan secured on it.

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