Development funding is available for property developers, landowners and small builders.

Levels and typical lending parameters depend on experience and the level of cash input.

Typically, lenders advance 100% of the build costs with an agreed amount towards the purchase, in some cases up to 100%. Payments towards the construction are released in stages, once a report has been signed off and released to the lender. With our expertise, contacts and resources, we will ensure your project achieves the level of funding you require.

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Stretch senior development finance

These types of loans provide property developers access to a greater level of funding than is typically offered by high street lenders and banks. These loans usually provide lending up to 85% (it is possible to gear up to 90%) of the loan’s requirement in one loan; doing the work of, both, a senior loan and a mezzanine loan. Property developers find this higher leverage lending helpful as it means they do not need to provide such a large percentage of funding themselves. It is possible to obtain more than 90% of costs, sometimes with additional security, and in some cases 100% can also be achieved.

 

100% Funding

This is where the lender provides 100% of costs for purchase and build, generally achievable through a mix of debt and equity. An interest rate (a coupon) will be charged for the loan and an agreed share of the profits, may be required, once the project is complete. This would normally be structured via a Joint-Venture (JV) agreement.