Development Finance
Senior debt, stretch senior and mezzanine facilities for ground-up construction, conversion and refurbishment schemes across the UK.
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Last updated Reviewed by our Clifton International finance team.
In short
UK development finance funds ground-up schemes, conversions and major refurbishments, typically up to 70% of cost or 65% of gross development value, released in stages against certified works. Terms run twelve to twenty-four months and repay from unit sales or a term refinance.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
Why clients choose us
Facilities structured against site value and GDV with staged drawdowns as the scheme progresses.
Layered mezzanine and JV equity to reduce the developer's cash requirement.
Fund the land purchase separately and roll into the senior facility at drawdown.
Heavy refurb and permitted development conversion schemes with tailored drawdown profiles.
Refinance completed schemes onto a lower-cost exit facility to allow orderly sales.
Direct introductions to challenger banks, specialist lenders and private funders.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Ibiza · Bridging
€3m · 60% LTV · 12-month term
€3m bridging loan secured against a residential property in Ibiza to complete significant development works on a London property, after further advances against the UK asset were not available.
Leeds · Bridging
£1.3m · 65% LTV · 12-month regulated bridge
£1.3m regulated bridge to help a Leeds family secure a significantly larger home before selling their existing property — funded in under 3 weeks.
Malaga · Bridging
£230k · c.25% LTV · 36 days to completion
A regulated bridging loan raised against an unencumbered Edinburgh home to secure a £230k apartment in Malaga, Spain — completed in 36 days.
Frequently asked
Typically up to 65% of GDV and 75% of total costs on senior debt, with stretched senior and mezzanine facilities pushing to 85–90% of total costs on the right scheme and sponsor.
It's preferred, but first-time developers with a credible professional team (contractor, QS, architect) and a viable scheme are considered by a subset of specialist UK lenders.
Indicative terms in 1–2 weeks; drawdown typically 8–12 weeks depending on legal, valuation, monitoring surveyor and planning conditions.
Staged monthly drawdowns released against monitoring surveyor / QS-certified valuations as the scheme progresses on site.
Yes — office-to-residential, PDR conversions, barn conversions and change-of-use schemes are all fundable with lenders that understand the specific risks.
Once practical completion is achieved we can refinance the senior debt onto a development exit bridge, reducing the cost of capital while units are marketed and sold.
Yes. Specialist lenders will fund UK residential and mixed-use schemes for expat and foreign national developers where the scheme, professional team and exit are strong.
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Learn moreReady to explore your options?
A discreet, no-obligation conversation with a UK-based adviser who understands the full UK lending landscape — residential, bridging, development and commercial.