Development

Ground-up development finance

Funding for new-build schemes, from land purchase through staged build drawdowns to practical completion.

Ground-up development finance

From land to completed scheme

Ground-up development finance typically funds part of the land purchase and most of the build costs, released in stages as the work progresses and is signed off by the lender's monitoring surveyor.

Lenders focus on the strength of the appraisal: land value, build costs, contingency, gross development value, planning position and the experience of the developer and professional team. We help shape the proposal so those numbers stand up to scrutiny before it reaches the lender.

Tower cranes above new buildings under construction

Schemes we can help with

Small residential schemes

A handful of houses or flats for first-time and experienced developers.

Larger multi-unit schemes

Apartment blocks and larger housing schemes with phased sales.

Mixed-use developments

Residential with commercial on the ground floor.

Self-build and custom build

Individual high-value homes built for sale or retention.

What lenders usually want to see

  • Planning: full planning permission, or a clear route to it.
  • Appraisal: land cost, build costs, contingency, fees and gross development value.
  • Professional team: contractor, architect and project manager, with relevant experience.
  • Contribution: the equity you are putting in, usually towards land and early costs.
  • Exit: sale of units or refinance onto a development exit or term facility.

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.

Start your enquiry

Quick enquiry

Start your enquiry

Tell us the basics and we will be in touch to talk it through. It takes under a minute.

By sending this form you agree to us contacting you about your enquiry. See our Privacy Policy.

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.

WhatsApp