Property development finance
At Bridging Finance London, we excel in arranging bespoke property development finance solutions for projects of all sizes.
Our expertise helps turn ambitious property plans into reality.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Development
What Is Property Development Finance?
Property development finance is specialised funding designed to support the entire lifecycle of property projects.
From land acquisition and construction to refurbishment and conversion, this flexible finance option caters to various development needs.
Development finance is structured specifically for construction and development projects. It provides the capital needed at different stages, from buying land to completing the final touches on a project.
The key benefit of development finance is its flexibility.
Whether you’re building a single house, converting an office block to apartments, or constructing a mixed-use development, the funding can be tailored to match your specific requirements and timeline.
Ground-Up Finance
Need funding for your next property development project? Ground up development finance covers land acquisition and construction costs.
Exit Loans
Time is money in property development, and every day counts. With dev exit finance, you can reduce interest rates, extend your sales period, and even fund your next project before the current one is sold.
Construction Finance
Construction finance helps your cash flow by paying you up to 90% of your Application for Payments and invoices within 24 hours. Release capital tied up in unpaid invoices.
Joint Venture Equity
Unlock the power of partnership in property development. With joint venture equity, you can take on bigger projects, share risks, and maximise returns.
Mezzanine Finance
Looking for the edge in competitive property development? Our mezzanine finance solutions offer the leverage you need to outpace the competition and maximise returns.
Residential & Commercial
From ground-up construction to major renovations, we’ve got you covered. Access our network of 250+ lenders for the most competitive terms on the market.
Forward Funding
Forward funding offers unique advantages for both developers and investors in the property market. Find out how we can structure the perfect deal for your next big project.
How We Can Help
Leveraging our network of over 250 lenders, including private banks and individual financiers, we secure competitive terms for development loans starting from £250,000, with no upper limit.
We look beyond standard lending criteria to find opportunities where others see obstacles.
Our connections with specialist lenders enable us to arrange finance for complex development projects that mainstream lenders might decline.
With direct access to lenders’ decision-makers, we can often secure preliminary approvals within days, helping you move quickly on time-sensitive opportunities.
Our tailored solutions serve:
- Experienced property developers – Access higher LTV ratios and competitive terms based on your track record
- First-time developers with strong business plans – Secure funding to launch your development career despite limited experience
- Property investors expanding their portfolios – Find the right finance package for conversions or multi-unit developments
- UK residents and British expats – Continue your UK development projects regardless of where you live
- Foreign investors targeting UK property opportunities – Negotiate with confidence through our cross-border expertise
Key Features of Our Development Finance Solutions
Finding the right development finance means securing terms that work with your project, not against it. Our bespoke funding packages are designed to provide both flexibility and certainty, giving you the financial foundation to build with confidence.
Each solution we arrange offers distinct advantages tailored to your projects needs:
- Flexible Loan Terms: Typically ranging from 6 to 24 months, matching your project timeline
- Competitive Interest Rates: Leveraging our extensive lender network to secure the best possible rates
- Staged Drawdown Options: Aligning funding with your project milestones to optimise cash flow
- High Loan-to-Value Ratios: Potentially up to 70-75% of gross development value, maximising your borrowing capacity
- Interest Roll-Up: Options to defer interest payments until project completion, easing pressure on cash flow during construction
Typical Uses
Property development finance is remarkably versatile, supporting a wide range of projects across the property sector.
Understanding where this type of funding can be applied helps developers recognise opportunities that might otherwise seem out of reach.
Our clients regularly use development finance to turn their property visions into reality.
New-build residential projects
From single luxury homes on prime plots to multi-unit housing developments and apartment blocks.
This includes everything from starter homes and family houses to high-end residential properties in desirable locations. We’ve helped finance developments ranging from 2-3 unit schemes to projects delivering hundreds of new homes.
Commercial property developments
Office buildings of all sizes, retail parks, high street shop units, industrial units and warehousing facilities.
Commercial development finance can support the full range of business premises, whether speculative builds or pre-let to commercial tenants. Our lenders understand the different risk profiles of various commercial sectors.
Mixed-use schemes
Combining commercial and residential elements to maximise site potential and returns.
These increasingly popular developments might feature retail or office space on lower floors with apartments above, creating diverse income streams and spreading risk. Many urban regeneration projects now follow this model to create vibrant, multi-functional spaces.
Major renovation and conversion projects
Transforming existing buildings such as offices, warehouses or heritage properties into new uses.
This includes office-to-residential conversions, warehouse-to-apartment transformations, barn conversions, and the repurposing of churches, schools and other institutional buildings. These projects often benefit from permitted development rights or add value by preserving character features.
Land acquisition
Securing plots with development potential before moving to the construction phase.
With the right finance in place, developers can move quickly to purchase land when opportunities arise, even before construction finance is finalised. Some packages can cover both the land purchase and subsequent development costs in one streamlined arrangement.
We’ve also helped clients finance more specialist developments including care homes, student accommodation, and hotel projects.
Whatever your development vision, we can help you explore the financing options available to make it happen.
Getting Started
Whether you’re an experienced developer or new to the field, we’re here to support your property development ambitions.
Contact our team today to discuss your project and explore how our development finance solutions can help you achieve your goals.
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