We will find your perfect Development Finance
With over 100 development lenders to choose from, expertise in construction projects, and unrivalled customer service; you’ll find your perfect finance here…
Market-leading pricing: Due to our extensive lender network and ability to negotiate rates.
Dedicated support: Not just a broker – your expert advisor guides you from start to finish.
Flexible funding: Loan amounts from £500,000 with no upper limit.
Tailored financing: Including equity, joint ventures, mezzanine funding, and more.
All project types: Residential, commercial, mixed-use, and land.
Ideal for: All types of project, from large residential conversions to large multi-unit schemes.
Extensive lender network: Access 100+ lenders including banks, development specialists, and Family Offices.
All types of customer accepted: Whether you’re a seasoned professional or first time developer.
Need development funding? Contact our expert team today to get started!
A no obligation call with one of our experts. Arrange at a time that suits you.
Explore our most requested uses for Development Finance
The right finance for new builds and major refurbishments
Why use this finance?
Whether you’re building new homes, commercial units, or undertaking a large-scale refurbishment, development finance provides the funding you need to bring your project to life. These loans are structured around build phases, allowing you to draw down funds as the project progresses, reducing interest costs and improving cash flow.
- All project sizes – From single-unit builds to large multi-phase developments.
- Tailored funding – Borrow from as little as £500,000 with flexible loan-to-cost and loan-to-GDV structures.
- Expert support – Finance designed to align with build stages, reducing interest costs.
- Full project coverage – Funding available for site purchase, construction, and associated costs.
Build with confidence – let’s structure the right development finance for your project.
Unlocking potential before development begins
Why use this finance?
Acquiring land for development is a key first step, but often, sites are purchased before full planning permission is secured. Development finance can help fund land purchases while you work to increase its value through planning, implementation of planning conditions, or design work. Whether you intend to sell at a profit or proceed with construction, having the right finance in place is crucial.
- Secure land quickly – Finance available for purchasing land, with or without planning permission.
- Increase value – Fund planning applications, design work, and pre-development costs.
- Maximise returns – Leverage funding to enhance land value before selling or developing.
- Flexible finance – Loans structured for landowners, developers, and strategic land investors.
Get funding to acquire land and add value through planning – speak to our team today!
Boost your capital and maximise project potential
Why use this finance?
Developers sometimes need additional capital beyond their senior loan (standard development loans) to fully fund a project. Mezzanine finance provides a second charge loan to reduce your equity contribution, while Joint Venture (JV) funding allows investors to partner on a project without requiring full upfront funding. These options are ideal for developers looking to take on larger or multiple projects.
- Increase leverage – Top-up your senior development loan with additional funding.
- Lower cash input – Reduce the need for upfront equity, preserving capital for other projects.
- Joint Venture options – Work with funding partners to bring projects to life without full equity investment.
- Higher returns – Bridge the gap between available capital and project costs to unlock increased return on investment.
Need extra funding to push your project forward? Talk to us about mezzanine or JV finance.
Free up capital before sales complete
Why use this finance?
Once a development is complete, you may not want to rush sales just to repay your lender. Development exit finance helps you refinance at lower interest rates than your development loan, giving you more time to achieve the best sale prices…. you can also release capital for your next project. It’s an ideal way to reduce costs and manage cash flow between projects.
- Lower-cost finance – Replace your development loans with lower cost ‘Development Exit’ finance.
- Maximise returns – Release equity for reinvestment or to secure your next project.
- Reduce lender pressure – Extend your timeline to complete sales at optimal market value.
- Flexible repayment options – Interest rolled-up or serviced, depending on your needs.
Take control of your exit strategy – speak to us about refinancing your completed project.
Our customers choose us to arrange their funding because…
Our brokers are not only property finance experts, but are highly trained to deliver exceptional levels of service; no matter your requirements.
We will save you money because we work with all types of lender, and will negotiate the best rates and the flexibility you need.
We will save you time because we’ll find the best loan quickly, and complete as much of the paperwork for you as possible.
We will reduce stress because we take full ownership of sourcing, arranging, and completing your funding; so you can relax knowing it’s all taken care of.
Some Frequently Asked Questions about Development Finance…
Can I get finance for my first project?
How much can I borrow?
Can I do the work myself?
What sort of projects can I fund?
- Ground-up construction of new residential or commercial buildings
- Property conversions and heavy refurbishments (e.g. turning an office into flats)
- Land development where planning permission is in place
- Mixed-use developments (combining residential and commercial elements)
In general, any project that involves constructing or significantly improving property for profit can qualify.
Whether it’s a single house build, a multi-unit development, or a commercial project, there are lenders that specialize in that type of deal. It’s important to have the proper planning permissions and a sound business plan, as lenders will closely assess the viability of the project.
How long does development funding take?
Can I re-finance an existing loan?
What costs are involved?
Development finance comes with several fees and expenses in addition to interest. Common costs include:
- Lender arrangement fees – a fee for setting up the loan (often a percentage of the loan amount) which is usually added to the loan rather than paid at the start.
- Valuation and monitoring fees – the cost of an initial valuation report on the project and ongoing inspections by a surveyor who will monitor construction progress.
- Legal fees – covering the legal costs for both you and the lender.
- Exit fee – some lenders charge a fee when you repay or refinance the loan at the end of the term.
In most cases, the interest is rolled up (added to the loan balance) so you don’t make monthly payments – the entire loan plus interest is paid off when the project is completed. Many of the fees can be deducted from the loan itself, which means you’ll mainly need to pay certain costs (like valuation and legal fees) upfront. We will ensure that all of the costs above are budgeted correctly, and negotiate the best rates with our recommended lender.
Can I apply to a lender direct?
When do I have to re-pay the loan?
Can I get 100% development funding?
If you already own the land, then you’ll be able to raise all of the construction costs so long as any lending already secured on the site is at a reasonable level.
In most cases, lenders will require you to put in some of your own capital, so 100% financing is not a ‘standard’ option. Typically, a development lender might fund up to 80–90% of the project costs, meaning you must contribute the remaining 10–20% yourself
However, there are ways to achieve close to 100% funding through special arrangements. One option is to use mezzanine finance (a second, smaller loan on top of the main loan) to cover part of the required funding gap. Another route is to enter a joint venture or profit-sharing agreement with an investor or the lender – in such cases the financier provides additional capital (even up to covering all costs) in return for a share of the profits on completion. These solutions can effectively allow for 100% funding, but they come at the cost of higher interest rates or giving up a portion of your profit. Always consult with your broker or financial advisor to determine if these options make sense for your situation.
Still unsure? Talk to one of our advisors today and we will clear up any concerns or questions you may still have.
Xcel Finance are proud members of the NACFB, a recognised sign of reassurance and quality for both lenders and borrowers.
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