Property Development Finance

Structured funding for development, redevelopment and refurbishment projects, arranged around land value, build costs, programme timing and exit strategy.

Whether the requirement relates to land purchase, ground-up development, conversion, heavy refurbishment or a staged build project, the strength of the structure often determines the quality of the funding outcome.

Discuss a Development Requirement View Property Finance Hub

Common project types

Land purchase, small and large new-build projects, residential and commercial development, conversions, and refurbishment-led schemes.

What Development Finance Is

A staged funding structure designed around acquisition, build and exit.

Property development finance is typically used to fund land or site acquisition together with build costs, drawn down in stages as the project progresses. It is commonly structured more like a specialist bridging facility than a standard term loan. [oai_citation:0‡The Aftersales Network](https://theaftersalesnetwork.com/property-finance-funding-options/property-development-finance/)

The lender will normally want to understand the full scheme from outset, including site value, total development costs, contingency, programme timing and the intended exit on completion. [oai_citation:1‡The Aftersales Network](https://theaftersalesnetwork.com/property-finance-funding-options/property-development-finance/)

Typical Structure

Funding for site or land acquisition

Further drawdowns released in stages against build progress

Architects, professional fees and contingency may often be included

Rolled-up interest may be available depending on structure

The lender will usually require a clear exit strategy from day one

Typical Development Scenarios

Different project types require different funding structures.

Ground-up Development Residential or commercial new-build projects where land and construction costs need to be funded in a staged and controlled way.

Conversion Projects Schemes involving change of use, mixed-use repositioning, or conversion of existing stock into more valuable completed assets.

Refurbishment and Enhancement From light to heavy refurbishment where the objective is to improve value, saleability, lettability or refinance potential.

What Lenders Will Assess

Experience matters, but so do viability and exit.

Developer track record and delivery experience

Site value, total build costs and contingency allowance

Planning status, professional team and build programme

Gross development value and loan-to-GDV profile

Exit strategy, whether sale, refinance or retention

Our Role

A stronger route into the development finance market.

The Aftersales Network Limited is a credit broker and not a lender. We assess the scheme, the developer, the cost stack, the exit and the likely lender appetite before positioning the enquiry appropriately with lenders and specialist funders where suitable.

That means more than simply circulating an enquiry. It means helping the case reach the market in a cleaner and more commercially credible form.

Related Property Routes

Explore the right route around the wider transaction.

Property Finance Hub View page

Commercial Mortgages View page

Development Exit Finance View page

Next Step

Start a considered development finance conversation.

If you are planning a development, conversion or refurbishment project and want to understand the most suitable funding route, contact us for a confidential discussion.

The Aftersales Network Limited is a credit broker and not a lender. All funding is subject to status, site profile, lender criteria and approval.

The Aftersales Network