Types of Development Finance

UK Property Finance works with different sized developers across the UK to provide expert funding solutions for a whole range of development projects. Below outlines an example of a few key areas where we offer financial solutions however, we are on hand 7 days a week from 9am to 9pm to discuss your development plan opportunities.

Residential Development

This type of finance can help clients who wish to develop brown or greenfield sites into residential houses or flats or convert larger homes into houses of multiple occupancy (HMO). This type of finance is commercially orientated due to it not being owner occupied.

The client is usually unable to get finance from their traditional lending routes such as their bank. which can be for a multiple of reasons, many being that traditional banks are perceiving residential development as high risk.
Finance is sourced by the value of the property, which is used as security again the loan and is not usually based on the individual’s monthly affordability.

Commercial and semi commercial developments

Short term finance can be procured for a number of reasons such as the purchase of stock, short term cash flow issues and even tax bills.

Commercial borrowing is based on the bricks and mortar value of the property i.e. the value of the building of security.

We have a number of banking contacts that understand our client’s development finance needs and can provide bespoke funding solutions.

We understand that lenders require clients to demonstrate the appropriate development experience and your development must have full planning permission.

Financial Structure

Development Finance is structured towards the property value and not on the borrowers past credit history.

All lenders will be looking to meet the following criteria –

  • Ensuring the project has sufficient funds to complete the whole project including unforeseen costs is vital.
  • Making sure that the drawdowns compliment the cash flow of the entire project.
  • The project definitely need to demonstrate a good profit and be of sound business sense.


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The advice and processing on all financial products introduced via this website will be handled by UK Property Finance Ltd, which is authorised by The Financial Conduct Authority (FCA) no 667602. The FCA do not regulate all mortgages such as Buy to Let and Commercial. Think carefully before securing debts against your home. Your property could be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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