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Development Finance

🏗️ Development Finance – Funding Your Next Project

Whether you’re building from the ground up or converting an existing property, we help you secure the right development finance to bring your vision to life.

At [Your Business Name], we work with developers, investors, and landlords across the UK to arrange tailored funding solutions — from small refurb projects to multi-unit new builds.
 

💡 What Is Development Finance?

Development finance is short-term funding used to help cover the cost of building, converting, or renovating property. It’s usually released in stages, based on the progress of the project.

You can use it for:

  • Ground-up new builds

  • Conversions (e.g. office-to-residential, HMO)

  • Heavy or light refurbishments

  • Multi-unit schemes

  • Single property developments
     

🧱 How Does It Work?

  1. Initial loan based on the purchase price or land value

  2. Further funds released in drawdowns, based on build progress and valuations

  3. You repay the loan once the project is complete — usually via sale or refinance
     

📌 Key Features

FeatureDetails

Loan size£100,000 – £50 million+

Max Loan-to-GDV (Gross Development Value)Up to 70% (higher with experience or JV)

Loan-to-costUp to 85% of total costs

Term6 to 24 months

Funding methodStaged drawdowns via monitoring surveyor

Exit strategy requiredSale or refinance
 

🧾 What You’ll Need

To get started, we’ll need:

  • Breakdown of costs and build schedule

  • Site details, planning permissions, and exit plan

  • Experience as a developer (not essential for small projects)

  • Details of any assets, equity, or contribution

We can help first-time developers too — just let us know your situation.
 

⚠️ Keep in Mind

Development finance is powerful, but it’s not without risk:

  • You’ll need a clear budget and timeline

  • Delays or cost overruns can impact cashflow

  • Lenders will expect a strong exit plan

That’s where we come in — to guide you through every step and help you avoid costly mistakes.
 

🤝 Why Choose Us?

  • ✔️ Access to specialist development lenders

  • ✔️ Funding arranged quickly and efficiently

  • ✔️ Personal guidance through the whole process

  • ✔️ Support for both experienced and first-time developers

📞 Ready to Start Your Next Project?

Let’s talk about your site, your goals, and how we can fund your vision.

👉 Give us a call 02085307170

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments 

The Financial Conduct Authority does not regulate some forms of Commercial Mortgages & Loans. We are a Credit Broker not a Lender

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

 

To visit the FCA consumer website - The Money Advice Service - please click here

To verify our status with the FCA, click here and key in our FCA number: 917946 Authorised and Regulated by the Financial Conduct Authority (FCA).
 

 

Registered in England and Wales Company No. 12336442

Registered Office:3 The Shrubberies, George Lane, South Woodford, London, E18 1BD 

Telephone : 020-8530-7170

©AF & ASSOCIATES LTD. All Rights Reserved.

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