UK Development Finance

Our services also cover financing of old and new development projects within the United Kingdom. We advise on financing projects with deal sizes ranging from £1m-£2bn.

    How much would you like to borrow?


    £100 000
    £100 000 000

    1 Month
    60 Month

    £100 000
    £100 000 000

    1 Month
    60 Month
    Development loans 1

    In the real estate space, our capability allows us to cover financing a diverse range of value-add real estate projects in different real estate sectors (including residential, commercial, hospitality, healthcare, industrial etc.) for different development/value-add types of projects (conversion, extension, refurbishment, ground-up development, brownfield projects etc.) and being developed by both experienced and start-up developers, within the UK. Our policy in this regard is any entity that covers the definition of real estate, which is any class of "real property" that includes land and anything permanently attached to it, whether natural or man-made. Developing any project that falls under this category is accepted, with the relevant terms and conditions to be applied to each.

    Development Finance, Including
    Construction and Other Costs

    Finance property development 1

    Developing and financing different properties, including all forms of real estate, is part of the projects we actively advise on sourcing funding, which is why our clients have the utmost trust in our services. Apart from our wide and encompassing range of projects, our clients also recognize the speed in making decisions by our funders and partners. We apply our expertise and professionalism in trying to achieve decisions in principle on projects, sometimes in less than 24 hrs., drawing out feasible roadmaps to finance your project.

    On property development, we are
    interested in sourcing funding for
    the following forms of real estate:

    Finance real estate development 1

    Residental

    homes, flats etc.

    Property extension loans 1

    Mixed-use

    residential + retail

    Property refurbishment loans 1

    Living

    serviced apartments, senior living, student accommodation, co-living, assisted living etc.

    Developer financing 1

    Commercial

    offices, retail etc.

    Development loans 2

    Hospitality

    Hotels, apart-hotels, resorts, leisure parks, recreational parks etc.

    Finance property development 2

    Industrial

    Factories, logistics etc.

    Finance real estate development 2

    Rural projects

    Agriculture, renewable energy, land development etc.

    Property extension loans 2

    Special use

    Data centres, healthcare, educational establishments etc.

    Property refurbishment loans 2

    Residental

    homes, flats etc.

    Developer financing 2

    Mixed-use

    residential + retail

    Development loans 3

    Living

    serviced apartments, senior living, student accommodation, co-living, assisted living etc.

    Finance property development 3

    Commercial

    offices, retail etc.

    Finance real estate development 3

    Hospitality

    Hotels, apart-hotels, resorts, leisure parks, recreational parks etc.

    Property extension loans 3

    Industrial

    Factories, logistics etc.

    Property refurbishment loans 3

    Rural projects

    Agriculture, renewable energy, land development etc.

    Developer financing 3

    Special use

    Data centres, healthcare, educational establishments etc.

    Development loans 4

    The real estate landscape of the UK Property Development finance space has recently become highly disjointed and fragmented as ever. The value of homes, office buildings and other real estate projects have been somewhat volatile in recent years. Bodies (such as Councils and government) who have the authority to stabilise the market have also found it challenging, as reflected in the news in recent years. Banks have largely withdrawn from financing real estate development projects or imposed exceedingly conservative criteria to their financing decisions.

    Finance property development 4

    This is where we apply our expertise in making your development projects devoid of unnecessary funding-related disappointments and delays. With a view to bridging the gap created by the economy and forward-thinking developers, we offer fully flexible solutions across the capital structure to developers who are solution inclined, providing them with the necessary help and support to effectively scale their projects as well as grow their businesses.

    Finance real estate development 4

    Here we work with:

    • Cost-effective development senior debt funders, who come typically at around 55-65% LTGDV levels for residential projects
    • Stretched senior lenders, who could do 90% LTC/75% LTGDV in a single transaction for residential projects
    • Mezzanine lenders, who could cover up to 75% LTGDV and 95% LTC for residential projects
    • JV equity investors, who could help to cover up to 98-100% LTC for residential projects
    Property extension loans 4

    Today, the average real estate developer needs a trusted specialist financial advisor who could advise on potential funding avenues. Working together with us makes this easy. We combine our proficiency in development experience with data-driven analytics, helping and supporting you in making better decisions regarding funding your real estate projects.

    We are highly entrepreneurial and deal-driven in the services we offer. We apply speed, quick thinking and forward-thinking, as we review the projects and analyze the actual projects and review potential options for funding in order for the developer to seize real opportunities.

    Property refurbishment loans 4

    As indicated above, there are stretched senior lenders we work with for residential developments who could offer attractive financial deals in terms of the Loan-to-Cost (LTC) ratio for development projects. Their LTC ratio can be as high as 90% on residential projects and up to 75% of Loan-to-Gross Domestic Value of the project. In calculating the cost, the developer could also include some planning upside. We were involved in several projects, when the planning gain provided enough “soft equity” for the developer to cover 100% of land acquisition and development costs on a fixed income basis. If working with JV equity providers, developers could cover up to 98-100% of the development costs.

    Developer financing 5

    As we mentioned earlier, we cover and provide financial development loans for all forms of project development, including residential, mixed-use, specialist living (student, serviced apartments, senior, co-living, assisted living etc.), commercial (office, retail, hotel, logistics, industrial, hostel) and other projects (hospitals, data centres, agriculture, renewable energy etc.). Our range of projects provides help and support to as many forms of real estate projects as possible.

    Development loans 5

    Therefore, regardless of the form of a new project you intend to enter into as a developer, we are competent enough to advise you on the best possible funding options to provide, meeting the needs of that project. For this same reason, our client base cuts across developers who specialize in every industry, which further states the level of our expertise and the range of our capability. Our services are tested and trusted, and we have our clients, industry partners (mainly alternative real estate finance institutions), network and contacts, and past projects to show for it.

    Our Uniqueness

    Finance property development 5

    We have a team of experts who have inside knowledge and information of the real estate financing industry, with decades of experience in real estate and other forms of funding, working through different market cycles. Our experts know what it is like to be in your shoes, and we are more than happy to address your funding needs throughout the project funding process and accompany you to make sure that the project is completed as per agreed funding terms. We also understand the importance of reacting properly to the inevitable market changes that occur during a project. Our experts are equipped to handle the dialogue with funders to smoothen the dialogue between the funder and project owner.

    Finance real estate development 5

    Naturally, we focus more on the lender’s quality of service, availability of capital and flexibility in order to serve our developer clients’ needs in the best possible way. We thoroughly research the funder’s capitalization level, flexibility, level of customer service, approval process, due diligence process, and speed of execution. We have an internal ranking process for the lenders on different criteria to make sure that the developer’s funding needs are met with best-in-class lenders from both service and speed of execution perspectives. As a result, we do more upfront analysis of the lender, establish relations with them, learn their criteria, study their processes to make sure that when the relevant deal comes, the lender is disciplined to adhere to the best possible stand of service in order to meet our developer client’s needs.

    Property extension loans 5

    Working with us has a myriad of advantages for you and your projects. It eliminates the time, uncertainty about service level, and cost of overpaying in fees and interest rates. For developer clients, we create a small contest from funders to make sure that the best possible funder wins the business.

    Examples of Our Past UK Development
    Finance Projects

    Property refurbishment loans 5

    We successfully advised on funding the acquisition and the conversion of a 2nd Grade- listed former office building site in a town centre, located a stone throw from a train station.

    Developer financing 6

    We also sourced funding for the acquisition and demolition of a site, as well as its ground-up development of 16 residential units, comprising 1, 2 and 3-bed flats spread across 3 low-rise blocks.

    Development loans 6

    We advised on funding the acquisition and ground-up development of a site containing 14 eco-friendly residential units, comprising 8 detached and 6 semi-detached houses.

    Outsource fund-raising and investor-relations function/board seats/external advisory

    We are always open to taking our relationship to the next level for any businesses and other bodies in real estate, infrastructure, etc., sectors with a large pipeline of projects and ambitious growth plans. Here our services include:

    Finance property development 6

    A B2B consulting
    service

    that goes beyond one-off / one-deal funding sourcing service. Here, we could offer a more programmatic and permanent support when a client is outsourcing fully an investor relations and fund-raising function to us.

    Finance real estate development 6

    A personal NED/board advisory

    service, when our key professionals could also take positions as Non-Executive Directors or board members or as board advisory positions, carrying personal responsibility and oversight over capital raising, related corporate governance and overall finance functions of the company.

    Property extension loans 6

    A B2B consulting service

    In B-to-B consulting service, we are involved more deeply with your business and projects, we discuss more closely with your key professional, land vendors, external QS or other advisors, architects, engineers and as well as with internal development team in order to make sure the information required for sourcing the financing is adequate and full. We then help to package this information to present it to the funders. Once the funding for the project is sourced, we then supervise the due diligence and execution stages of the project and monitor its implementation post-funding because it involves multiple drawdowns and monthly/quarterly liaisons with the lender monitoring surveyor.

    Property refurbishment loans 6

    When discussing such B-to-B consulting services, the first step is to define the scope of our involvement. Here, we assess your future business plan, skills gap and the level of required interaction thoroughly. Because it is a strategic relation, we take it very seriously and spend adequate time understanding your plans and drafting an adequate contract that will cover your needs at the highest possible service level. Hence, the terms and conditions of our involvement are drafted on a bespoke basis to make sure that everybody’s expectations are met and your interests remain attended to.

    Developer financing 7

    A personal NED/board advisory

    Another way by which we can be actively involved in your business and create a lasting relationship with you is by occupying board seats, acting as a Non-Executive Director or as an external advisor to the board. This will be a direct win for your business. Not only does it place you in a prime position for development funding from our funding partners, but it also provides you with a seal of excellence that the business’s level of corporate governance is at the highest level.

    Development loans 7

    Another way by which we can be actively involved in your business and create a lasting relationship with you is by occupying board seats, acting as a Non-Executive Director or as an external advisor to the board. This will be a direct win for your business. Not only does it place you in a prime position for development funding from our funding partners, but it also provides you with a seal of excellence that the business’s level of corporate governance is at the highest level.

    Conclusion

    Finance property development 7

    On a concluding note, it is important to contact and seek the service of experts when entering into delicate business transactions, to guide your steps and ensure that you make the right decisions, particularly on projects as delicate as real estate developments, with many factors at stake. We understand that there are a number of possible reasons why an individual or a company can decide to develop property. You have your long term and short-term plans, all of which have gone through meticulous planning and included in the project’s development. Whether is to be converted into office space, or to serve as a beautiful home with a view, or to finally have an abode of your own without the burden of a mortgage, we advise that you allow us to help, support and guide you through your journey of sourcing financing for these projects.

    Developer financing 8

    We welcome you to contact us, and we will start the required financing process. Our contact information is duly contained on our website. In our business operations, whether it concerns loans or equity funding or outsourced investor relations service of whatever nature, your privacy, business terms, and personal information are protected with us. We are also open to feedback and views on our operations and general service. Bridging the gap between us, using customer relations, is of utmost importance to us. The terms of our privacy policy ensure that your information remains safe and is only revealed if requested or required.

    If a search or market overview is conducted, it would be quite difficult to find, from the data collected, institutions that provide services as attractive as ours, even if a few may come close.

    Cookies policy
    Our site uses cookies to store information on your computer. Some of these cookies are essential to make our site work and others help us to improve by giving us some insight into how the site is being used. By using our site you accept the terms of our Privacy Policy and Cookies Policy.
    Ask for a Callback

      How Much Would You Like to Borrow

        Get in Touch with Us

          Thank You

          We have received your request and will get in touch with you shortly.

          Please fill in all the required fields