Development lending

We can help get developments off the ground, driving growth in niche markets and regional hotspots.

We cater for a diverse range of clients and work closely with a range of specialist brokers. We lend what they need, with a range of loans from £1 million to £100 million. Across all products we offer fast turnaround times, innovative refinance options and flexible lending terms.

Greener Homes Alliance

Greener Homes Alliance

Our new partnership with Homes England

We are providing discounted development finance to support housebuilders in the UK to build high quality energy efficient homes achieving a SAP score of over 85, equivalent to an EPC of B and above.

  • Homes that achieve a SAP score of 92 and above (EPC A) will receive 2% discount on interest rate
  • Homes that achieve a SAP score of 85 and above (EPC B) will receive 1.25% discount on interest rate
  • Benefit from initial free of charge, expert advice from sustainability consultants McBains and Octopus Energy

£1m

min. loan size

85%

max. LTC

70%

max. LTGDV

6.75%

rate from (before discount)

Development Light

Development light (£2m-5m)

We can help with development projects ranging anywhere from heavy refurbishment to ground up multiple unit developments.

• Fast-tracked initial approval process
• Access to the dedicated experienced development finance team to discuss your deal
• We will consider light-touch quantity surveyor monitoring on a deal-by-deal basis

£2m

Minimum loan size

70%

max. LTGDV

12-24

months term

7.2%

rate from

Development

 Development (£5m+)


Since 2013, our development finance has supported the construction of over 6,500 new homes. We work with brokers and developers all over the UK, and have a strong background in this area.

  • Lending for the construction of small housing developments through to large residential and student accommodation schemes

£5m

Minimum loan size

70%

max. LTGDV

12-36

months term

6.75%

rate from

Supporting brokers and developers

We go out of our way to make the lending process as pain-free as possible for
brokers and developers.

Support to completion

We structure loans to ensure each development is fully funded and remain involved throughout the life of project.

Non-bank lender

We’re not a bank, and have discretionary capital. This enables us to accommodate clients, move quickly and deliver.

Specialist lender

We lend across niche sectors, bringing best practice, good compliance and strong governance.

Flexible approach

As market and client requirements change, we change with them, always tailoring loans to individuals.

Regional coverage

Our BDMs offer regional expertise, with local teams including credit and sales. We also use valuers with local knowledge.

Focus on speed

We work in line with each client’s completion date, using refined processes, synced-up teams and a dedicated case manager.

Case studies

Case studies

Learn more about the tailored residential lending solutions we’ve delivered.