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Home Business Finance Property Development Finance

Property Development Finance Solutions

Flexible funding solutions designed to support property developers with ground-up builds, refurbishments, and conversions - helping you unlock your project’s full potential with tailored finance.

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Tailored Broker Support

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Fund projects based on projected value (GDV), not just current property value
  • Typically borrow up to 75% GDV or 90% of total project costs
  • Access staged funding released at key points throughout your build
  • Short-term finance designed with clear exit strategies in mind

How Does Property Development Finance Work?

Let's take a look at how Property Development Finance works step by step

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Property Assessment

Your development is assessed based on GDV, build costs, and planning. Lenders evaluate viability, experience, and profitability before agreeing terms and funding structure.

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Staged Funding

Funds are released in agreed stages as your project progresses. This ensures cash flow aligns with build milestones while reducing interest costs on unused funds.

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Exit Strategy

Development loans are repaid at the end of the term through property sale or refinance. A clear exit plan is essential to secure funding and complete your project successfully.

Is Development Finance Right For You?

Development finance is ideal for property developers seeking flexible, short-term funding for construction or major refurbishment projects. It allows you to leverage future value and manage cash flow effectively, but requires careful planning, a clear exit strategy, and the ability to manage project risks and timelines.

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This product might be right for you if...

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You’re building, converting, or heavily refurbishing property

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You want to borrow against the project’s end value (GDV)

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You have a clear exit strategy such as sale or refinance

This product might not be right for you if...

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You need long-term, low-interest borrowing

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You don’t have a defined exit strategy

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Your project timelines or costs are uncertain

Development finance is subject to status, project viability, and lender criteria.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Commercial Property Finance Specialists so we can understand your business, goals, and funding needs.

  • 2

    Review & Present Your Application

    We gather the required documentation and review your circumstances, then present your application to our panel of lenders to identify the most suitable funding solution.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as quickly as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Property Finance? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Here's why should you choose us to help with Development Finance

Why Us 1

Development Expertise

We work with specialist lenders across the UK, structuring development finance for projects ranging from refurbishments to large-scale ground-up builds.

Why Us 2

End-to-End Support

From enquiry to completion, we manage the entire process - liaising with lenders, solicitors, and surveyors to ensure a smooth experience.

Why Us 3

Tailored Funding Solutions

Every project is different. We tailor funding structures, drawdowns, and terms to suit your build schedule, costs, and exit strategy.

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Our FAQs

Common questions about Development Finance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

How much can I borrow with development finance?

Typically up to 65-75% of GDV or up to 90% of total project costs. The exact amount depends on your experience, project type, and lender criteria.

How is development finance paid out?

Funds are released in stages throughout the build, aligned with key milestones such as purchase, foundations, and completion.

What deposit is required for development finance?

Most lenders require a 25-35% deposit. In some cases, additional security can reduce the upfront cash requirement.

How long does development finance last?

Terms usually range from 6 to 18 months, depending on the size and complexity of your development project.

Do I need experience to get development finance?

Experience helps, but first-time developers can still qualify with a strong team, detailed plans, and a clear, realistic project strategy.