How It Works Section

Four Steps to Your Development Finance Projection

Step 1: Project Details Enter land value, planning status, build costs, and development timeline. Our calculator handles residential, commercial, and mixed-use projects.

Step 2: Development Costs Include professional fees, planning costs, contingency funds, and construction expenses for accurate total project costs.

Step 3: Sales Projections Input expected Gross Development Value (GDV) based on current market valuations or pre-sales agreements.

Step 4: Funding Analysis View your complete funding package including land acquisition, construction costs, interest roll-up, and profit projections.

Development Finance Expertise

Specialist Lenders for Property Development

Doulton's development finance team understands the complexities of construction lending. We provide:

• Flexible LTV: Up to 80% of costs or 70% of GDV

• Phased Releases: Funding released as build progresses

• Expert Monitoring: Professional quantity surveyors oversee drawdowns

• Fast Decisions: Credit approval in 5-10 working days

• Retained Profit: Keep surplus funds at completion

Project Types We Fund

Comprehensive Development Finance Solutions

Residential Development

• New build housing estates

• Apartment conversions

• Individual house builds

• Permitted development conversions

Commercial Development

• Office developments

• Retail and leisure projects

• Industrial and warehouse builds

• Mixed-use schemes

Specialist Projects

• Student accommodation

• Care home developments

• Hotel and hospitality

• Affordable housing schemes

Understanding Development Finance

Key Terms and Considerations

Loan-to-Cost vs Loan-to-GDV Our calculator shows funding based on total development costs and finished property values, helping you understand different lending criteria.

Interest Roll-Up Development finance typically allows interest to be added to the loan during construction, with full repayment on completion and sale.

Monitoring and Drawdowns Funds are released in stages as construction progresses, verified by independent monitoring surveyors to protect both lender and borrower.

Exit Strategy Planning Whether selling on completion or refinancing to long-term investment mortgages, we help plan your exit from day one.

Risk Factors and Professional Advice

Important Considerations

Development projects carry inherent risks including planning delays, cost overruns, and market changes. This calculator provides estimates based on information provided. Professional advice from quantity surveyors, architects, and financial advisors is recommended for all development projects.

All development finance is secured against the development site and is subject to detailed credit assessment and legal review.