High Value Development Funding

Expert development finance for residential and commercial property projects across the UK. Access to 130+ specialist lenders with competitive rates from 0.45% per month.

✓ Same-day decisions
✓ Funding in 2 weeks
✓ Rates from 0.45% monthly
✓ £250k to £300m available

What is Development Finance?

Short-term specialist funding for property development projects, released in stages as construction progresses. Ideal for developers, investors, and builders funding new builds, conversions, and refurbishments.

Key Benefits:

• Staged drawdowns aligned with project milestones

• Interest typically rolled up until completion

• Fund land purchase, construction costs, and professional fees

• Flexible exit strategies - sale, refinance, or long-term mortgage

High Value Residential Development Finance

Competitive finance for new builds, conversions, HMOs, and refurbishment projects.

Residential Projects We Fund:

• New build houses and estates

• Flat conversions and subdivisions

• HMO developments

• Refurbishment to sell

• Social housing projects

• Luxury home developments

Key Features:

• Loan amounts: £250,000 - £300 million

• LTV: Up to 70% of GDV or 100% of costs

• Rates: From 0.45% per month

• Terms: 6-24 months with extensions

• Borrowers: Experienced and first-time developers

• Credit: Adverse credit considered

Specialist Funding for Commercial Projects

Tailored finance for offices, retail, industrial, mixed-use, and specialist commercial developments.

Commercial Projects We Fund:

• Office buildings and business centres

• Retail units and shopping centres

• Industrial and logistics facilities

• Hotels and leisure venues

• Mixed-use developments

• Care homes and healthcare facilities

• Student accommodation (PBSA)

Key Features:

• Loan amounts: £500,000 - £300 million

• LTC: Up to 80% of development costs

• LTV: 60-75% of GDV

• Rates: From 0.5% per month

• Terms: 12-36 months

• Monitoring: Professional QS and surveyor oversight

How Development Finance Works

Simple 5-Step Process:

1. Initial Assessment - Free consultation on your project

2. Land/Property Purchase - First drawdown for site acquisition

3. Planning & Fees - Cover professional costs and applications

4. Construction Stages - Funds released at key milestones

5. Exit - Refinance, sell, or arrange long-term finance

Typical Milestones:

• Foundations complete

• Frame and roof

• First fix

• Second fix

• Practical completion

Development Finance Costs

Competitive Rates & Transparent Fees:

• Interest: 0.45% - 1.5% monthly (5.4% - 18% annually)

• Arrangement fee: 1-2% of loan

• Exit fee: Typically 0-1%

• Valuation: £500 - £5,000

• Legal fees: £1,000 - £5,000+

• Monitoring: £500 - £2,000+

Payment Options:

• Rolled-up interest (most popular)

• Monthly serviced interest

• Retained interest within facility

Eligibility

What You Need:

• Viable development proposal with detailed costs

• Planning permission (approved or pending)

• Experienced team or professional advisors

• Clear exit strategy

• 25-30% deposit or equity contribution

• RICS valuation of GDV and costs

Who We Help:

• Property developers (all experience levels)

• Limited companies and PLCs

• Partnerships and LLPs

• Construction companies

• Property investors

• Joint ventures

• Offshore companies

Development Finance Without Planning

We Fund Projects at Various Planning Stages:

• Pre-planning - Land acquisition with planning potential (50-60% LTV)

• Planning pending - Bridge to approval (55-65% LTV)

• Outline planning - Progress to detailed consent (60-65% LTV)

• Full planning - Best rates and terms (up to 70% LTV)

Note: Pre-planning loans attract higher rates (0.8-1.5% monthly)

Why Chose Doulton Bridging Finance?

130+ Lender Panel
Unrivalled access to high street banks, private lenders, and specialist funders

Development Specialists
Expert team understanding construction, planning, and market challenges

Whole-of-Market Broker
Independent advice - we work for you, not lenders

Speed & Efficiency
Same-day decisions, funding within 2 weeks

Complex Cases Welcome
Solutions for first-time developers, adverse credit, unusual projects

Full Support
End-to-end guidance from application to completion

Quick FAQ’s

Maximum LTV available?
Up to 70% GDV or 80% costs, whichever is lower

How fast is approval?
Decision in principle within 24 hours, full approval in 2-4 weeks

First-time developer?
Yes - with professional team support

Extension options?
3-6 month extensions available (fees apply)

Refurbishment projects?
Yes - heavy refurb and conversions qualify

Exit strategies?
Sale, BTL refinance, commercial mortgage, or investor sale