Development Finance
Specialist Funding for Property Development Projects
At Finance House Ltd, we specialise in structuring tailored development finance solutions for experienced property investors and developers. Whether you’re working on residential conversions, commercial refurbishments or acquiring land for a new build project, our team can help you secure the right funding to bring your vision to life.
With decades of industry experience and direct access to key decision-makers across a wide panel of lenders, we’re able to act quickly and decisively — even in complex or time-sensitive cases. From initial site acquisition through to construction and final refinancing, we provide financial solutions that support each stage of the development cycle.
Our approach is rooted in flexibility, transparency and a commitment to securing the best possible deal for your circumstances. We understand that no two developments are the same, which is why every funding package is tailored around your specific needs, timescales and exit strategy.
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Flexible Finance for Property Development
What is Development Finance?
Development finance is a type of short- to medium-term funding used by property developers to finance construction or refurbishment projects. Unlike traditional mortgages, development finance is released in stages — typically aligned with the build milestones — ensuring that funds are made available as and when they’re needed.
Whether you are converting a disused warehouse into modern apartments, building a new housing estate, or purchasing land for planning uplift, this type of finance is designed to unlock capital for growth and opportunity.
Types of Projects We Fund
We work with developers and investors across a variety of schemes, including:
Each of these projects requires a unique funding approach, and our experts ensure your application is positioned to appeal to the most appropriate lenders.
How We Help
At Finance House Ltd, we manage the entire funding process from start to finish. Our team supports you with:
Why Choose Finance House Ltd?
Our success lies in the strength of our relationships — both with our clients and the lending institutions we work with. As a leading business finance broker, we pride ourselves on:
Who We Work With
We work with a wide range of clients, including:
- Professional property developers
- High-net-worth investors
- SMEs undertaking one-off developments
- Landowners with planning aspirations
- Limited companies or SPVs set up for specific developments
Whether this is your tenth build or your first business scheme, we provide the guidance and financial tools to move your project forward with confidence.
Frequently Asked Questions about Development Finance
What is development finance?
Development finance is a type of funding designed specifically for property construction, refurbishment, or redevelopment projects. Unlike a traditional mortgage, which is based on the completed value of a property, development finance is tailored to the needs of a project in progress. Funds are typically released in stages (known as drawdowns), linked to the build milestones — such as land purchase, groundwork, and completion. This ensures capital is available when required, without overcommitting upfront. Development finance is usually short to medium-term, running for the length of the project rather than for decades. It is widely used by property developers, builders, and investors who want to manage cash flow effectively while delivering projects on time. By structuring repayments and drawdowns around the project plan, development finance provides the flexibility needed to complete builds and secure returns through sales or long-term refinancing.
Who can apply for development finance?
Development finance is available to a wide range of clients, from first-time developers through to experienced property professionals and investors. While lenders may have stricter requirements for those with limited experience, partnering with professional advisors, builders, or contractors can strengthen an application. Development finance isn’t limited to large developers — smaller investors, SMEs, or landlords who wish to convert, refurbish, or build new properties can also benefit. Lenders typically look at the viability of the project, the experience of the team, and the security offered by the land or property being developed. Finance House supports clients of all sizes, helping first-time developers present strong proposals and ensuring experienced professionals gain access to competitive terms. Whether you’re completing a single residential build, a multi-unit development, or a commercial conversion, there are development finance solutions designed to suit your needs.
What types of projects can development finance cover?
Development finance is versatile and can be used for a wide variety of property projects. Common examples include ground-up residential builds, office-to-residential conversions, commercial developments, and refurbishment or renovation of existing properties. It can also cover mixed-use schemes where residential, retail, and office spaces are combined. Smaller-scale projects, such as house extensions, barn conversions, or student accommodation refurbishments, may also be suitable. Lenders usually focus on the project’s feasibility, expected costs, and projected end value (often referred to as GDV — Gross Development Value). By aligning funding with these factors, development finance ensures that capital is available at the right times to move the project forward. At Finance House, we help arrange finance across all scales, from modest refurbishments to large-scale, multi-million-pound developments, ensuring clients can access the funding they need to deliver successful outcomes.
How is development finance repaid?
Repayment of development finance typically occurs in one of two ways: through the sale of the completed property or by refinancing into a longer-term facility such as a mortgage or investment loan. Most development finance agreements are interest-only during the build phase, meaning you only pay the interest accrued rather than the capital itself. This reduces monthly outgoings and helps cash flow remain steady while the project is ongoing. In many cases, interest can also be “rolled up” and paid at the end of the term, so developers don’t need to make monthly payments at all during construction. Once the project is complete and sold, or refinanced, the loan is settled in full. The key to successful repayment is careful planning and realistic forecasting of the property’s end value. At Finance House, we work closely with you and the lender to ensure your repayment strategy is achievable and aligned with your business objectives.
What are the benefits of using development finance?
The biggest benefit of development finance is flexibility. Unlike standard mortgages or business loans, development finance is structured specifically around a project, ensuring funds are released when needed and repayments are aligned with completion. This makes it easier to manage cash flow, keep contractors paid, and avoid costly delays. Development finance also allows developers to take on larger or more complex projects without tying up personal or business reserves. For investors, it provides an opportunity to generate returns from property sales or rental income, while reducing the upfront financial burden. Additional advantages include the ability to roll up interest payments until the end of the project and access to higher loan-to-value ratios than many other finance products. With the right advice and lender, development finance can be a powerful tool for both experienced developers and newcomers looking to bring projects to life.
Let’s Fund Your Next Development Project
Whether you’re planning a ground-up build, a refurbishment, or a conversion, we’re here to support your project from start to finish. Talk to our specialists and find the right finance solution for your development.