Property Finance

Development Finance

Specialist funding for property development projects from land acquisition to completion.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose Development Finance?

Purpose-built funding that adapts to the realities of property development.

Staged Funding Release

Funds are drawn down in stages aligned to your build programme, so you only pay interest on what you've used.

New Build, Renovation & Conversion

Finance ground-up new builds, heavy refurbishments, commercial-to-residential conversions, and permitted development.

Flexible Structures

Loan structures tailored to your project, whether joint venture, mezzanine funding, or senior debt alone.

Support Strong Returns

We maximise your loan-to-cost ratio so you can preserve equity and amplify your return on investment.

12–36 Month Terms

Development loans are structured to fit your build and sale timeline, typically from 12 to 36 months.

Experienced Development Lenders

Our lender panel includes specialist developers' lenders who understand build risk and work pragmatically with borrowers.

Our Finance Process

Our Process

A clear, guided journey from first enquiry to funds in your account.

Initial Enquiry & Quick Assessment

Share your development details: site, scheme, and experience. We'll provide a preliminary view on funding viability quickly.

Detailed Consultation & Documentation

We work through your appraisal, planning status, build schedule, and exit strategy to build a compelling lender submission.

Tailored Finance Proposal

We present development finance terms from specialist lenders covering loan-to-cost, rates, and drawdown schedule.

Lender Approval & Legal Process

We manage the lender's due diligence process, monitoring surveyor appointment, and legal completion to keep your project on track.

Funds Released

Initial funds are released at completion, with subsequent drawdowns released as build milestones are met and inspected.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Short and medium-term working capital for your next deal.

Asset Refinance

Release equity from existing assets to support expansion.

Vehicle Finance

Fund operational vehicles for construction and property teams.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

Development finance is a specialist short-term loan used to fund property development projects. It covers the cost of acquiring land or property and the construction or refurbishment costs. Unlike a standard mortgage, it is released in staged drawdowns aligned to the build programme and is typically repaid when units are sold or refinanced.

Rather than releasing all funds at once, a development loan is drawn in tranches as construction progresses. After each draw request, a monitoring surveyor visits the site to verify progress. Once satisfied, the lender releases the next tranche. This structure reduces lender risk and means you only pay interest on what has been drawn.

Eligible projects include ground-up residential and mixed-use new builds, heavy refurbishments requiring planning consent, barn conversions, office-to-residential permitted development schemes, and small commercial developments. Lenders typically require full planning permission before release of the first drawdown.

Loan terms typically match the build programme plus a sell-out period, commonly 12 to 36 months. Loan-to-cost (LTC) ratios of up to 90% are available from some lenders, though 70–80% is more typical. Gross development value (GDV) lending limits are also applied, usually up to 65–70% of GDV.

Lenders assess the viability of the development project: site value, planning, build costs, GDV, and your exit strategy, alongside your development track record. First-time developers can access funding, often with the support of an experienced professional team or a smaller initial project to demonstrate competence.

Our Lender Panel