Development Finance Interest Rates | Best Quotes from 0.7%pm
Residential Development Finance Rates
Secure competitive residential development finance interest rates for new build housing projects, apartment developments, and housing estates. Current rates start from 0.7% monthly for experienced developers, with loan-to-cost ratios up to 80% and loan-to-GDV up to 70%.
Commercial Development Finance Rates
Access institutional-grade commercial development finance interest rates for office buildings, retail developments, and mixed-use projects. Our commercial rates start from 0.8% monthly with funding available up to £100 million for substantial commercial developments.
Refurbishment Finance Interest Rates
Find the best refurbishment finance interest rates for property conversion and renovation projects. Rates typically start from 0.6% monthly for light refurbishments, with higher loan-to-cost ratios available for experienced property developers.
Current Development Finance Rate Environment
Market-Leading Rates: With direct relationships with 130+ specialist lenders, we access the most competitive development finance interest rates in the market, often securing exclusive rates not available elsewhere.
Rate Transparency: Full transparency on all development finance interest rates, fees, and charges. No hidden costs or inflated rates - just genuine wholesale pricing passed directly to you.
Flexible Rate Structures: Access to both fixed and variable development finance interest rates, with options for rolled-up interest, serviced loans, and hybrid structures tailored to your project cash flow.
Competitive Advantage: Our bulk lending relationships allow us to negotiate better development finance interest rates than you could secure independently, often saving 0.1-0.3% monthly on your finance costs.
Understanding Development Finance Interest Rates
Development finance interest rates vary significantly based on multiple factors including project type, location, developer experience, loan-to-cost ratio, and current market conditions. Our specialist team analyzes your specific project requirements to identify lenders offering the most competitive rates for your circumstances.
Rate Factors:
Project Type: Residential developments typically attract lower rates than commercial projects
Developer Experience: Established developers access preferential rate tiers
Location: Prime locations often qualify for reduced rate margins
Loan Structure: Higher deposits generally secure better interest rates
Project Timeline: Shorter developments may qualify for discounted rates
Our Rate Comparison Service
Instant Rate Quotes: Receive development finance interest rate comparisons from multiple lenders within minutes, allowing you to compare options without impacting your credit profile.
Expert Rate Negotiation: Our experienced team negotiates directly with lenders to secure the best possible development finance interest rates for your specific project.
Market Intelligence: Stay informed about development finance interest rate trends and market conditions that could impact your project financing costs.
Rate Monitoring: Ongoing monitoring of development finance interest rates to identify refinancing opportunities during your project lifecycle.
Transparent Pricing: Complete transparency on all rates, fees, and charges with no hidden costs or inflated pricing structures.
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.
Get in touch.
Discover how our dedicated development finance team can assist you with financing solutions. Our tailored service specialises in cases between £100,000 and £300 million. If you’re ready to look at options , fill out our form and someone will be in touch to discuss your situation. If you wish to call our phone number is 0204 6211776.