Specialist

Ground-Up Development 

ground-up-development

Clifton private finance

We specialise in raising development finance on residential and commercial property transactions in the UK for ground-up developers

We can help ground-up developers get the right finance for UK residential and commercial projects.
  • Development finance from £250,000 to £50m
  • Market leading rates
  • Finance options for England, Scotland, Wales and Northern Ireland (We can also source finance for projects in Ireland)
  • International development funding from £5m
  • Loans up to 100% of development finance cost
  • Development exit funding for projects near completion
  • Finance with no exit or early redemption fees
  • Refinance for projects behind schedule
  • Options for first time developers
  • Finance solutions for unihabitable properties
  • Conversion finance e.g. permitted developments, care home conversions
  • Joint venture finance options
  • 2nd charge options
  • Finance for major home renovations
  • Terms up to 36 months
  • Hunter style revolving credit finance facilities for experienced developers
  • Complex cases always considered
  • Finance for a variety of ownership structures including multiple SPV's, Offshore SPV's, UK based trust structures, overseas trust structures. We can also help with a requirement for finance to be based on shariah principles.
  • Finance for new build, conversion or refurbishment developments including mixed use and student accommodation
  • We can help source finance for land, commercial to residential conversions, assets such as care homes, barn conversions, places of worship, petrol stations, fisheries, airspace development loans (with acceptable security) and charities

Flipping Property?

Buying, Renovating & Selling (or Letting)

Finance Rates from

0.60% pm

1 - 18 months

Rates up to 80% LTV net

As at 5th January 2026

Ground Up Development

New Builds

Finance Rates from

0.83% pm

Up to 24 months

Rates up to 70% of GDV

As at 5th January 2026

Existing Development?

Refinance & Exit Finance

Finance Rates from

0.60% pm

1 to 18 months

Rates up to 80% LTV net

As at 5th January 2026

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.


Need funding for your development project? Learn about our property development finance services in the video below:

Our strength is our ability to access a wide range of funding solutions from high street and private banks, specialist lenders, family offices and wealth managers. We also have connections with private investor fund groups.
Call us on 0203 900 4322 to discuss your requirements.
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More Opportunities »

  Ground-Up Development Finance 

 

How big is your new property development project?

The finance options available to you are dependent on the scale of the work required. A ground-up development is a major new-build project involving complete building plans that must be approved, and a team of architect, builders and tradespeople working together, so this requires more complex bridging loan development finance with a more series of investment releases. 

How much can I borrow / how much will it cost?

How much you can borrow & how much it will cost will come down to your project and the security and experience you can demonstrate. Headlines on what we can source through our network are: 

FUNDING SOLUTIONS FOR DEVELOPERS

A range of finance options have been developed by the market that can overcome these issues for you.

1. Short Term Finance

Short-term finance offers developers a quicker way to access development finance.

We work with lenders who can provide finance within as little as seven working days as a short-term solution to “bridge” the gap of any shortfall in funding.

Bespoke bridging loans can be tailored to specific purposes and lending terms, but they are commonly used for developments such as:

Light refurbishment bridging loan

Usually with slightly lower interest rates, these are tailored for smaller development projects. There is no strict definition of a light refurbishment project, but usually it is one where:

Heavy refurbishment bridging loan

These are offered as finance for larger development projects, where the lender’s risk and administrative involvement is greater – consequently their interest rates are higher.

A Heavy Refurbishment bridging loan will be appropriate for projects where:

2. Development finance

The best finance rates for development funding are commonly reserved for experienced property developers: to access the best deals lenders will require evidence of a proven track record of successful projects. There are lenders we work with who are happy to provide property finance to new of less experienced developers if your project satisfies their criteria.

Gross development value (GDV)

The estimated open-market value of your finished property or development is a key metric in development finance (along with development experience and your personal financial situation).

Most development finance lenders are comfortable with granting development loans up to 65% of the GDV, if they are comfortable with the project plans and financial projections.

Up to 100% of the development finance costs

If you require funding to buy land and then the development costs, dependent on the project lenders will want you to put in 30% of the acquisition cost. The balance & 100% of the building costs can be funded on the basis that overall funding does not exceed 65% of the GDV. For the right projects additional mezzanine finance can be sourced up to 90% of GDV.

A number of lenders in the development finance market are prepared to provide the entire funding for the purchase of property/land plus development costs to borrowers who qualify for development finance.

If the cost of servicing a 100% loan is not an issue this can be an extremely useful scale of funding for your project, allowing you to invest in other projects at the same time.

HOW TO ACCESS FINANCE FOR YOUR DEVELOPMENT PROJECT

Why use a specialist finance broker? At Clifton Private Finance, our strong relationships with private banks, specialist lenders, family offices and wealth managers, means that we can look at the widest range of funding available to find the best business finance solution for your development.

With offices in Bristol (Registered Office) and Cardiff we are authorised and regulated by the Financial Conduct Authority.

Call us on 0203 900 4322 to discuss your requirements.

  

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us