Development finance
for property projects
We help developers and investors access specialist development finance by introducing them to professionally accredited specialists who understand site acquisition, staged funding, and project delivery.
What is development finance?
Development finance is specialist funding used for ground-up construction projects, major refurbishments, or site development. It is typically released in stages, aligned with build progress. Lenders assess development finance based on project viability, build costs, experience, and exit strategy.
Who development finance is suited to
Development finance is typically structured for experienced buyers with a clear build plan and defined exit strategy.
Property developers
Experienced investors
Joint venture development teams
Limited company structures
Investors delivering multi-unit projects
Property developers
Experienced investors
Joint venture development teams
Limited company structures
Investors delivering multi-unit projects
When development finance is typically used
Purchasing land with planning permission
Ground-up residential development
Converting commercial property to residential
Multi-unit build projects
Large-scale refurbishments
How Provide Finance helps
We act as an introducer, not a lender or advisor. We review your enquiry and introduce you to accredited development finance specialists who understand project-led lending and staged drawdowns. This ensures your enquiry reaches someone familiar with the scale and structure of your project.
Routing based on project type and size
Access to specialist development advisors
No obligation to proceed
Clear and straightforward process
How it works
Tell us about your project
Answer a few quick questions about your development plans and funding requirements.
We review and match
Your enquiry is reviewed and matched with a suitable development finance specialist.
Speak to an accredited specialist
An accredited specialist contacts you to discuss options and next steps.
Frequently Asked Questions
Common questions about this type of property finance.
How does development finance work?+
Development finance is released in stages (drawdowns) as your build progresses. The lender funds a portion of the land purchase and then releases further funds at pre-agreed milestones verified by a monitoring surveyor. This staged approach means you only pay interest on funds drawn.
What deposit is required for development finance?+
Most development finance lenders require a deposit of 25-40% of the total project cost, covering land acquisition and build costs. The exact amount depends on your experience, the project viability, and the lender. Provide Finance can introduce you to advisors who work across the full range of deposit requirements.
What is GDV and why does it matter?+
GDV stands for Gross Development Value — the estimated market value of the completed project. Lenders use GDV to assess how much they are willing to lend, typically up to 60-70% of GDV. A strong GDV relative to total costs indicates a viable project with sufficient profit margin.
Can I get development finance as a first-time developer?+
Yes, though criteria may be stricter. Some lenders require previous development experience, while others will consider first-time developers with a strong project, professional team, and clear exit strategy. Provide Finance can introduce you to advisors experienced in placing first-time developer applications.
How long does development finance take to arrange?+
Development finance typically takes 4-8 weeks to arrange, depending on the complexity of the project, planning status, and the speed of valuations and legal work. Having a complete information pack ready — including plans, costs, and permissions — helps speed up the process.
What exit strategies do lenders accept for development finance?+
Common exit strategies include selling completed units on the open market, refinancing onto buy to let or commercial mortgages, or a combination of both. Lenders want to see a realistic and evidenced exit plan before approving funding. Your advisor will help structure this as part of the application.
Explore other
finance options.
Explore specialist finance options structured around your property strategy.
Planning a development project?
Tell us about your plans and we will connect you with the right specialist.