Development Finance - Quick Simple Funding

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Finance Jeanie > Our Services > Development Finance

Development Finance


Who can apply for development Finance?

Individuals, Ltd companies, SPV’s and investors can apply for development finance. We can assist with providing short term funding solutions based on increasing the value of property, New builds and heavy property refurbs. Using our extensive panel of lenders we will be able to offer you up to 70% LTV on day one with 100% build costs.

  • Ground up developments
  • Heavy refurbs
  • Interest ‘rolled up’
  • Funding in drawdowns throughout the project
  • Only pay for what you draw down

What is development finance?

Development finance is a product for individuals, Ltd companies or SPV’s used to kickstart a project from the ground up, carry out renovation of property being purchased or already owned. Development finance can be used for residential, commercial & mix use property within the United Kingdom. It refers to a large scale funding of renovation or significant building works – for example it can be used for a new build residential project or significant improvements/expansion of a current residential property or workspace development.

Development finance will most definitely be the go to funding for a developer looking to start from scratch with a ground up development project.

Ground up development finance is mainly used for funding larger scale projects and is designed to cover part of the land purchase and 100% of your build costs – should you already own the land outright and have secured planning permission the development finance can be structured for the development only. Should you own multiple property with sufficient equity you can also look into securing development bridging loans to assist with your project – this would be a viable option for a developer with a large part of funds tied up in property and not accessible until a property has sold or a longer term finance solution has been put in place.

Short term property refurbishments would benefit from using a development bridge loan, this will give you the ability to secure the funds for a period of 3-18 months with no monthly repayments to be made as all interest and fees will be paid upon redemption of the development bridging loan product. Development bridging loans are designed for the short term until the loan can be paid back or a longer term finance option is secured.

Larger scale renovations may benefit from a longer term bridging loan product or a commercial mortgage.

How extensive is the building project going to be?

This will be the most important question to answer prior to exploring the development finance options available for your refurbishment or renovation project. We focus on three categories for your development finance requirements and the way these are perceived by each funder will be different.

Light refurbishment – The straightforward project, this would be a general refurb of the property where the main changes will be aesthetic rather than structural, a light refurbishment development loan may involve some internal works to ceilings and floors.
Heavy refurbishment/renovation – Alongside aesthetic changes you will be requiring the removal or moving internal walls, adding rooms or external walls, plumbing, electrics or even demolition and rebuilding parts of the property.
Ground up development – Starting from scratch with a plot of land with planning permission.

Property development finance overview.

Depending on your proposed project there are many development finance options available within the current market. You may want to explore a refurbishment bridging loan over a longer term with the option to convert into a mortgage later on, this will generally be available for up to 24 months and is the type of product that will cover most light and heavy refurbishments.

The more significant and ground up development projects will require development finance. Development finance will cover 100% of your build costs and will assist with potentially over 50% of your land purchase costs.

Experienced developers that own multiple properties can potentially use their portfolio to secure lending, Providing the property has sufficient equity funds can be raised to purchase additional assets allowing a growth to your portfolio without the need for cash.

Where to start?

Property development is a very complex area and so is development finance. The best way to start is to establish what your project will be from the above information, speak with your builder and architect to gauge a timeline for your project, factoring in contingency and an idea of the costs for your proposed development project in a best and worst case scenario. Obtaining the right development finance for your project is crucial.

To speak to us please call 01202 897182 or email [email protected]

Funding available all over the UK (area list)

Finance Jeanie have you covered. Our team can offer you funding no matter where you live in the United Kingdom. Contact us via phone or email to discuss your funding or loan requirements.

County, Town & City List

Finance Jeanie provide funding options to clients all over the UK including all the following counties. We cover all the major towns and cities. If you do not see your location in the following list please don’t hesitate to ask.


Bath Bristol Clevedon Fulton Keysham Weston Super Mare


Bedford Biggleswade Dunstable Flitwich Leighton Buzzard Luton


Ascot Bracknell Hungerford Maidenhead Newbury Reading Sandhurst Slough Thatcham Windsor Wokingham


Amersham Aylesbury Beaconsfield Buckingham Chersham Denham Gerrards Cross High Wycombe Marlow Slough Stoke Mandeville Taplow


Cambridge Chatteris Ely Girton Godmanchester Huntington Newmarket Ramsey Soham Whittlesey Wisbech


Chester Crewe Nantwich Northwich Macclesfield Runcorn Tarporley Warrington Widnes


Bodmin Falmouth Newquay Padstow Penzance Redruth Truro


Barrow In Furness Carlisle Kendal Penrith Whitehaven Wilton Workington


Alfreton Ashbourne Belper Bolsover Buxton Chesterfield Codnor Crich Cromford Derby Duffield Glossop Heanor IIkeston Long Eaton Littleover Matlock Melbourne Ripley Sponson


Barnstaple Exeter Honiton Plymouth Paignton Torquay


Blandford Bournemouth Christchurch Poole Weymouth Dorchester Wareham Wimborne Shaftesbury


Durham Bishop Auckland Chester-Le-Street Durham Seaham Sedgefield Spenny Moor Stanhope


Basildon Billericay Braintree Brentwood Canvey Island Chelmsford Clacton-On-Sea Colchester Epping Hadleigh Harlow Rayleigh Tilbury


Cheltenham Cinderford Cirencester Clearwell Gloucester Kingswood Slimbridge Stroud Tewkesbury

Greater Manchester

Bolton Bury Manchester Oldham Rochdale Stockport Wigan


Basingstoke Andover Aldershot Farnborough Petersfield Tadley Portsmouth Fareham Gosport Havant Hayling Island Waterlooville Southampton Hedge End Romsey Totton Winchester Alton Eastleigh Stockbridge


Hereford Kington Ledbury Leominster Ross-on-Wye


Bushey Chorley Wood Elstree Hatfield Hemel Hempstead Hertford Hitchin Letchworth Potters Bar Sawbridge St.Albans Stevenage Tring Watford Welwyn Garden City

Isle of Wight

Cowes Newport Ryde Sandown Shanklin Venture


Ashford Canterbury Chatham Dartford Dover Faversham Hythe Maidstone Margate Ramsgate Rochester Royal Tunbridge Wells Sevenoaks


Accrington Blackburn Blackpool Burnley Chorley Clitheroe Lancaster Liverpool Manchester Morecombe Preston Skelmesdale


Ashley-De-La-Zouch Coalville Earl Shilton Leicester Loughborough Market Harborough Melton Mowbray Syston


Gainsborough Grantham Grimsby Lincoln Boston Bourne Brigg Spalding


Birkenhead Liverpool St.Helens Southport


Acton Brentford Camden Town Chiswick Edgware Enfield Fulham Hackney Hampstead Harrow Hounslow


Alysham Diss Fakenham Great Yarmouth King’s Lynn Loddon Norwich Sheringham Thetford Watton


Alnwick Ashington Berwick-On-Tweed Blyth HalfWhistle Morpeth


Bingham Hucknall Mansfield Nottingham Newark-On-Trent Ollerton Retford


Abingdon Banbury Bicester Bloxham Chinnor Cholsey Didcot Henley-On-Thames Kidlington Wantage Woodstock


Bridgenorth Ludlow Madeley Newport Shrewsbury Telford Wellington Wem


Bath Bridgewater Burnham On Sea Crew Kerne Taunton Wells Weston-Super-Mare Yeovil


Burton-On-Trent Cannock Keele Leek Lichfield Newcastle-Under-Lyme Stafford Tamworth Uttoxeter Wolverhampton


Brandon Bury St.Edmunds Felixstowe Ipswich Lowestoft Stowmarket Sunbury


Camberley Chertsey Cobham Dorking Epsom Esher Farnham Godaming Guildford Haslemere Leatherhead Redhill Reigate Staines Sunburn-On-Thames Walton-On-Thames Weybridge Woking


Sussex Bexhill on Sea Brighton and Hove Crawley Eastbourne Hastings Horsham Worthing


Hartlepool Middlesbrough Redcar Stockton-On-Tees

Tyne and Wear

Gateshead Jarrow Newcastle Under Tyne South Shields Sunderland Whickham


Coleshill Coventry Leamington Spa Nuneaton Rugby Stratford Upon Avon Studley Warwick

West Sussex

Arundel Billingshurst Bognor Regis Bosham Chichester East Grinstead Fishbourne Lancing Littlehampton Midhurst Petworth Selsey


Amesbury Chippenham Malborough Salisbury Swindon Tidworth Warminster Wilton

East Riding of Yorkshire

Beverley Bridlington Driffield Goole Hornsea Hedon Pocklington

North Yorkshire

Harrogate Northallerton Malton Pickering Ripon Richmond Scarbourough Selby Skipton Stokesley Tadcaster Thirsk Whitby

South Yorkshire

Barnsley Dinnington Doncaster Maltby Mexborough Penistown Rotherham Sheffield Swindon

West Yorshire

Batley Bingley Bradford Castleford Dewsbury Halifax Helden Bridge Huddlesfield Keightley Leeds Morley Otley Wakefield Wetherby


Abergavenny Caldecott Chepstow Monmouth USK

Mid and West Glamorgan

Aberdare Barry Bridgend Caerphilly Merthyr Tydfil Neath Ponty Pridd Porch Cawl Port Talbot Swansea

South Glamorgan

Barry Cardiff Cathays Ely Penarth


Abertillery Beaufort Blaine Brynmawr Ebbe Vale Newport Tredegar