Turn your development vision into reality with tailored funding solutions designed for every stage of the project.
What Is Property Development Finance?
Property development finance is short-term, purpose-built funding designed to cover the costs of acquiring land, obtaining approvals, and constructing a development project. Unlike a traditional mortgage that sits over a completed property for 25 to 30 years, development finance is structured around the life cycle of a project — typically 12 to 36 months.
Funds are drawn progressively as the build advances through agreed construction stages. You pay interest only on the amount drawn, not the full facility, which keeps your holding costs as low as possible during the construction period. Once the project is complete, the loan is repaid — either through the sale of finished dwellings, refinancing into long-term investment loans, or a combination of both.
The key difference between development finance and standard lending is that lenders assess the project as much as they assess you. Feasibility, location, builder credentials, pre-sales, and your exit strategy all play a role in how a deal is evaluated and priced.