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Property Development Finance


Development Finance

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Top 10 Finance Ltd, Development Finance Rex House 4-12 regent Street London SW1Y 4PE

Property Development Loans

We arrange property development finance & development loans for any type of property this includes houses, apartments, and commercial properties. Including New build Refurbishment finance and also funding for converstions.

Call us 24/7 0800 138 6001

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Development Loans From £50k-£5m

Development Funding is from £50k up to £5m and we can get funding for both first-time developers and also developers with a track record. Loans are also available anywhere in the UK. 



We are registered and comply with the Data Protection Act (1998). Registration No: Z2861884 Company  registered in England number 06261373 privacy policy


Property Development Guide


Property Development Funding is a short-term finance option, used to develop either an existing building, i.e. refurbishment, conversion, or a new build. Development Loans are usually taken over a period of between 6-24 months. This really depends on the type of Development; with a light refurbishment it would be as low as 6 months or less, and with a larger scheme up to 24 months.


The thing to remember with any Development Funding is that you will need to allow for a re-sales period to be factored in to the loan period. If you do not take this into account and your properties have not sold within the agreed loan facility, you could end up paying another arrangement fee to extend your Development Loans.

Property Development Finance Explained.


Property development finance is a short term funding solution of commercial finance that is used to develop property or land for profit.


Funding solutions for property development loans a quite different to a traditional loan or mortgage, as they are paid out in stages according to how much work has been completed. Finance packages for development funding would typically offer to cover 100% of the construction and associated costs with the balance going towards the purchase price of the site. So if for instance, you had a development loan of £500k rather than the loan being paid in one go it would be paid in stages first as a percentage of the land/site value, with the rest paid out as and when your development project reached certain construction stages.


We are specialist in helping clients obtaining development finance, as such we can quickly identify if your project is viable and at what sort of level we could get funding for you, also what the likely interest rates and associated costs would be.


Once we have your term we will discuss which offer is going to suit your needs and how quickly the loan would take to complete. We will also inform you of any information and reports the lender would expect to see before proceeding.

Prestige will endeavour to supply information in accordance with specific requirements of the above act. The buyer however must satisfy themselves that any information is correct. Misrepresentation Act 1967: Prestige either for themselves as vendors, or for the vendor or lessors of this property whose agents they are give notice that: 1 These particulars do not constitute, nor constitute any part of, an offer or contract.  2 All statements contained in these particulars as to this property are made without responsibility on the part of Top 10 Finance Ltd or the vendors or lessors. 3 None of the statements contained in these particulars as to this property are to be relied on as statements or representations of the fact. 4 Any intending purchasers or tenants must satisfy themselves by inspection or otherwise as to the correctness of each of the statements contained in these particulars.  5 The vendors or lessors do not make or give, and neither do Top 10 Finance Ltd nor any person in their employment have any authority to make or give any representation or warranty whatever in relation to this property.  6 No representation is given as to whether the property is subject to VAT and direct enquiry must be made of the vendor. The buyer gives an irrevocable authority for our fees to be paid by their solicitor at the time of completion. Note if a buyer is found to have completed a purchase on any of the above site/s without disclosing it to Top 10 Finance Ltd then the fee payable is readjusted to 10% + vat of the purchase price. Prior Knowledge of the Site/s should be notified in writing to Top 10 Finance Ltd, within 48 hours of receiving details from Top 10 Finance Ltd.  Note land registry details are checked after the site is sold.

Top 10 Finance Ltd is rated 4.90 stars by based on 31 reviews



How much can be borrowed for a development loan?

Typically we arrange for amounts in excess of £150,000. The maximum amount that can be borrowed is heavily dependent on the value of the security and the value of the project at completion.


Can I take out a development loan with a loan-to-value of 100%?

It is most certainly possible to get development loans where the loan-to-value (LTV) is 100% with an additional security.


Where do you lend?

We can provide development loans anywhere in England, Wales or Scotland.


How much is previous development experience required?

It is preferable for most lenders that the borrowing developer has a track record of successful developments before they take out a loan with them. Despite this, it is still possible to obtain developer finance without much experience depending on the circumstances. Lots of lenders would be happy to work with first-time developers as long as there is an experienced team surrounding them, such as reputable builders.


Can I borrow with poor credit history?

It is still very much possible to take out a development loan with poor credit history. In the majority of cases, lenders will overlook these issues. Factors that affect the loan more include the project itself and the team working on the project. Lenders mostly look for an experienced team working on the project. This can include builders who have worked on many projects in the past. If there is a suitable security and the development project is worthwhile, most lenders will still lend to developers with worse credit histories. Despite this, lenders will still be vigilant to determine whether situations such as CCJs will affect the loan and may not pay out to people with excessive prior issues.


Can finance be arranged on land without planning permission?

A development loan can most certainly be taken out on land that is yet to receive planning permission in most cases. As long as development will be possible, the amount of money that can be lent depends on how much that land is worth. More money can be lent after planning permission has been received too, so it is definitely a viable option for developers that haven’t even got planning permission yet.


What term length is provided for property development loans?

Typically, the length of term for a development loan is 1-2 years, giving enough time for the project to finish and be sold. Longer loan terms can come with higher costs and if funding is needed for longer than two years, it may be necessary to utilize a different form of finance for the project.


Can you offer finance to limited companies?

As well as lending to individuals, we have the facilities to lend to companies and partnerships for their development projects.


What property types and projects do you lend on?

As listed above, we have a large array of scenarios we can provide development loans for. This can include residential, commercial or semi-commercial property as well as new builds, refurbishments, renovations, and conversions. Each case is reviewed individually by our team so contact us and we can discuss the situation and the availability of property development loans for you.


What kind of fees for development loan?

Besides the monthly interest rate, there are other less obvious charges. An arrangement fee of around 2% is typical but there may also be ones such as solicitation fees paid to the solicitors or a fee for the valuer to determine the property/land’s value.


How fast can I receive a decision in principle (DIP)

We can typically provide a decision on the loan in as little time as 1 hour.


Note development finance is not covered financial conduct authority or FCA regulated.

Property Development Finance Compare Development Loans.