Residential & Commercial Development Finance: Expert Funding for Your Property Vision
Looking to bring your property development project to life?
Whether you’re planning a residential new build, a commercial complex, or a mixed-use scheme, securing the right finance is essential.
At Bridging Finance London, we arrange bespoke development finance solutions tailored to your specific needs.
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.
Understanding Development Finance
Development finance provides the capital needed to fund construction or major renovation works.
Unlike traditional mortgages used for purchasing existing properties, this specialised funding supports projects from start to finish.
It’s ideal for:
- Ground-up construction of residential or commercial properties
- Large-scale renovations and conversions
- Mixed-use developments
Development finance offers greater flexibility than standard mortgages, with funding released in stages as your project progresses, helping manage cash flow effectively.
Our Development Finance Offerings
We provide competitive and flexible development finance solutions:
- Loan amounts: £250,000 to £250,000,000
- Terms: Up to 36 months (longer periods negotiable for suitable projects)
- Leverage: Up to 75% of Gross Development Value (GDV) or 90% of total costs
- Interest rates: Starting from 3% per annum
- Funding available for various borrowing structures, including limited companies and SPVs
We arrange finance for projects across London and the UK, including England, Wales, Scotland, and Northern Ireland, as well as in Spain and Portgual.
Specialised Funding for Diverse Property Types
Residential Developments
We secure funding for a wide range of residential schemes, including:
- Single high-end properties
- Multi-unit apartment complexes
- Townhouse developments
- Suburban housing estates
Commercial Property Finance
Our expertise covers various commercial projects:
- Office buildings and business parks
- Retail spaces and shopping centres
- Industrial units and warehouses
- Hotels and hospitality venues
Mixed-Use Developments
We offer tailored finance solutions for mixed-use projects, helping you balance the unique funding requirements of different property types within a single development.
Speciality Sectors
Our knowledge extends to niche property sectors:
- Purpose-Built Student Accommodation (PBSA)
- Build to Rent (BTR) schemes
- Co-Living spaces
- Serviced apartments
- Leisure facilities and entertainment complexes
Flexible Funding Structures
We understand that every development project has unique financial requirements. That’s why we offer a comprehensive range of funding structures to suit your specific needs.
Senior Debt
Our primary offering is senior debt, which forms the foundation of most development finance packages. This type of funding typically covers the majority of your project costs and comes with competitive interest rates. Ground-Up Development Finance can be used to acquire the site and begin building.
Mezzanine Finance
For developers seeking to maximise their leverage, we can arrange mezzanine finance. This additional layer of funding sits between the senior debt and your equity, allowing you to take on larger projects or retain more of your own capital for other investments. Mezzanine finance can be particularly useful for ambitious developments where traditional lending may fall short.
Equity Participation
In cases where projects require even higher levels of funding, we can facilitate equity participation. This involves bringing in additional investors who share in the project’s risks and rewards. Equity participation can be an excellent option for large-scale developments or those in prime locations where the potential returns are substantial.
100% Funding Options
For exceptionally strong projects with additional security, we can even structure 100% funding options. This allows you to undertake developments without tying up your own capital, maximising your potential returns and enabling you to pursue multiple projects simultaneously.
Blended Finance Packages
Recognising that the most effective funding solution often involves a combination of different finance types, we specialise in creating blended finance packages. These bespoke arrangements combine various funding sources to achieve the optimal balance of cost, flexibility, and leverage for your specific project.
We are able to create truly bespoke funding packages. Our team works closely with you to understand not just your immediate project needs, but also your long-term financial strategy.
This holistic approach ensures that the funding structure we arrange aligns perfectly with your overall business objectives, setting you up for success both now and in the future.
Let’s Talk!
Our Extensive Lender Network
With access to over 250 lenders, we’re uniquely positioned to secure the best possible terms for your development finance. Our network includes:
Traditional banks and building societies
Specialist development finance lenders
Private equity firms and hedge funds
Family offices and wealth management firms
High-net-worth private investors
This diverse pool of funding sources allows us to find solutions for even the most complex development scenarios.
Tailored Approach to Your Project
Successful development finance is about more than just securing a loan.
It’s about creating a funding structure that supports your project’s success and aligns with your long-term objectives.
Our approach involves:
- Providing ongoing support throughout the development process
- Understanding your project and business goals in depth
- Analysing the development’s financial projections
- Crafting a bespoke funding solution that maximises your project’s potential
Key Considerations for Development Finance
Planning Permission: Full planning permission generally results in better loan terms. We can also arrange finance for projects at earlier stages of the planning process.
Exit Strategy: Lenders will want to understand how you plan to repay the loan. Common strategies include selling the developed properties or refinancing onto a long-term investment loan.
Risk Assessment: We’ll work with you to identify and mitigate potential risks, enhancing your project’s appeal to lenders.
Cost Management: Accurate cost projections and contingency planning are crucial. We can advise on creating robust financial models for your development.
Why Choose Us for Your Development Finance Needs?
Developers trust Bridging Finance London because we offer:
Personalised service and ongoing support throughout your development journey
Expertise in complex funding scenarios
Access to an extensive network of lenders, ensuring competitive terms
A track record of successfully funding projects across various sectors
Take the Next Step: Contact Our Development Finance Experts
Ready to explore your development finance options?
Our team of experienced advisers is here to help. Contact us today to discuss your project and receive expert guidance on the best funding solutions for your needs.
