Learn about more our property development finance services in the video below:
Whether you are an experienced property developer, or new to the field, there are a wide range of options to choose from to fund your property projects.
Finding the best property development finance for you helps ensure your project stays on schedule and generates a healthy return.
Clifton Private Finance works with developers of all levels, from private individuals building or renovating a property to live in, to large commercial developers creating multiple lots for sale or rental.
With connections to all the top lenders, we offer a professional, comprehensive property development broker service.
Finance Rates from 1 - 18 months Rates up to 80% LTV net As at 20th June 2023 Finance Rates from Up to 24 months Rates up to 70% of GDV As at 20th June 2023 Finance Rates from 1 to 18 months Rates up to 80% LTV net As at 20th June 2023 Thank You for your interest - please complete the form below and a member of our team will be in contact.
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We offer our property developer clients:
Written by: Sam O'Neill & Sam Hodgson
When looking for finance for a property development, there are several compelling reasons to use a property development finance broker, rather than trying to find funding by yourself:
Or get a quote and rate comparison tailored to your development project:
Get Development Finance Quotes »
A commercial property developer had acquired a disused commercial building to convert into 77 student flats. The developer had funded the purchase and the cost of securing planning with a bridging loan.
The loan term for the bridging loan was ending and the developer needed to raise £4.3million to repay the existing loan and fund the conversion work. They needed a quick solution to avoid delaying the start of the project and leaving them unable to repay the original loan.
Our property development finance brokers quickly found a specialist development finance lender who was able to offer the full £4.3million as a new bridging loan secured against the site. This was based on a Gross Development Value (GDV) of £7million.
We negotiated for 65% of the funds to be released on day one, allowing the client to repay the existing bridging loan and begin construction work straight away. The loan came with a 12 month term, low interest rate and no exit fee when the loan term ended, helping to maximise the developer’s profits.
Latest development finance case studies »
A development finance broker plays a vital role in the property development industry by serving as a go-between for property developers/investors and lenders.
They facilitate the financing process, leveraging their extensive network of contacts within the finance industry to connect developers with suitable lenders. This enables borrowers to reliably secure financing terms for development projects, such as ground-up development, light refurbishment loans, and heavy refurbishment loans.
With that said, we’ll go through exactly what a broker can do for you during your search for favourable development finance. Additionally, highlight the many benefits a broker can provide as well as how to receive help and advice with the development finance application process.
Skip to:
Understanding Development Finance
What is a Development Finance Broker?
What can a Development Finance Broker do for you?
Are the Benefits of a Development Finance Broker Worth the Expense?
Can I Approach Development Finance Lenders Directly?
Can I Get 100% Development Finance with the Help of a Broker?
Looking for a Broker for Development Finance?
Development finance plays a crucial role in funding various projects, including property development, construction, and infrastructure ventures. This can be for both residential and commercial property.
This type of finance provides property investors and developers with the capital to complete their property projects.
Development finance refers to a type of specialised funding for property projects. These are short-term secured loans, with high-interest rates, and access to a drawdown facility throughout the loan term.
Development finance is designed to provide the necessary capital for the purchasing of a development site, land, or property. After purchasing, 100% of the development costs can also be funded throughout the development lifecycle i.e. from land acquisition to completion.
This form of financing caters to the unique requirements and complexities of development projects, offering tailored solutions to meet the funding needs of both developers and investors.
A development finance broker is a professional who specializes in securing financing for property development projects. They act as intermediaries, bridging the gap between developers and lenders.
By leveraging their industry connections, they identify suitable lenders and negotiate favourable terms on behalf of a client.
Development finance brokers offer their guidance and assistance in securing development finance.
At Clifton Private Finance, we specialize in tailored financing solutions for various development projects. Here are some examples of the steps we take to assist borrowers:
Ultimately, getting the help of a broker will streamline the financing process, ensuring clarity and efficiency while maximizing the chances of securing optimal funding for your development project.
A development finance broker is an invaluable resource when it comes to securing financing for your property development project. Through them, you’ll have access to the best rates from UK lenders.
At Clifton Private Finance, we operate on a fee basis, which is calculated as a small percentage of the loan amount. Our fee structure typically ranges up to 2% of the loan amount.
A development finance broker can save you time and ensure a smooth process for large projects. They find and negotiate with the right lender quickly. They handle the paperwork and address finance organisation issues on your behalf. Their expertise streamlines the process and maximizes your chances of success.
Find a broker for your development project to save time and ensure a hassle-free experience. Let them handle paperwork and negotiations while you focus on your project's success.
While it is possible to go directly to lenders, it is not advisable. Although development finance can be sourced from traditional banks, it is considered a high-risk and specialised type of finance – typically better sourced from specialist lenders.
Specialised lenders typically only deal with brokers as an intermediary.
With a complicated property development project on your hands, you may not want the additional worries of dealing directly with lenders.
Additionally, development projects are perceived as high-risk ventures by traditional lenders due to market volatility, construction challenges, and changing regulations. This caution often results in lenders being hesitant to provide the required financing. Without putting your best foot forward, and without the advice and guidance of a development finance broker, you may be putting your application in jeopardy.
By partnering with development finance brokers, you may be able to get flexible terms and negotiate a favourable rate. Moreover, developers can explore alternative avenues and make informed decisions to ensure the success of their projects.
A development finance broker can help you source finance at 100% of development costs. However, this can be a challenge depending on the complexity of your property project.
It helps to have an expert broker to connect you with lenders who are willing to offer this type of financing for eligible development projects. Without a broker, this can be very difficult.
Keep in mind that the cost of servicing a 100% loan will be higher, and lenders will still assess various factors such as the project's viability and your financial situation. You may need an additional asset, or assets, alongside the security i.e. the property or development site, in order to be eligible for that type of loan.
It's recommended to consult with a broker to discuss your specific circumstances and explore the available options – we can help you get loans up to 100% of development costs through our network of specialist lenders.
When it comes to securing financing for your property development project, finding the right development finance broker is crucial. At Clifton Private Finance, we specialize in providing expert assistance in the field of development finance.
With our extensive expertise and knowledge of the development finance market, we can connect you with lenders who specifically cater to your unique requirements. We can support refinancing options and additional mezzanine finance for development finance projects.
Our personalized service ensures that we understand your project's scope, timeline, and financial needs. By leveraging our access to the whole market, we can secure the most competitive rates for you, tailored to your circumstances.
With the guidance of our experienced team, you can make informed financial decisions and obtain finance at an affordable and favourable rate.
Contact us today at 0117 959 5094 to explore how our development finance broker services can benefit you. Book a consultation, and let us assist you in obtaining the necessary financing for your project.
A development finance broker can point you to lenders that specialise in working with borrowers with bad credit. Despite the challenges of securing development finance with a poor credit history, a broker has market knowledge and connections with different lenders, increasing your chances of finding a suitable solution. Consulting with a broker or financial advisor is advisable for personalised advice based on your specific situation.
The speed at which you can obtain development finance will vary, but in some cases, short-term finance can be obtained in as few as seven working days.
The interest rates for development finance usually vary between 4.5% and 9%, and they are determined based on factors such as the project's level of risk and the borrower's experience.
Clifton Private Finance is a UK-based, FCA regulated property development finance broker. Our property development finance brokers have great relationships with all the leading UK development finance lenders, so can help you find the best property development finance deals quickly and with minimum fuss.
Get Development Finance Quotes »
Finance Rates from 1 - 18 months Rates up to 80% LTV net As at 20th June 2023 Finance Rates from Up to 24 months Rates up to 70% of GDV As at 20th June 2023 Finance Rates from 1 to 18 months Rates up to 80% LTV net As at 20th June 2023 Thank You for your interest - please complete the form below and a member of our team will be in contact.
Flipping Property?
Buying, Renovating & Selling (or Letting)
0.55% pm
Ground Up Development
New Builds
0.83% pm
Existing Development?
Refinance & Exit Finance
0.55% pm
Contact Us
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
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