Development Finance

Specialist Mortgages

Commercial Mortgages for Property Developers

What is Development Finance?

Development finance is a funding solution designed for individuals or businesses building property to sell or let after completion. Whether you plan to build on part of your garden or redevelop an inherited property, development finance can provide the capital required. This form of finance supports a range of construction projects, including those involving multiple units or conversions. A Non-Standard Construction mortgage may also be required if your plans involve unusual materials or construction techniques. It is vital to ensure planning permission is granted before applying. At Money Factors, we arrange development finance for clients across the UK with approved planning.

Specialist Property Development Finance Brokers

Finding the right funding for property development requires experience and a clear understanding of UK lending criteria. Money Factors has decades of knowledge in arranging finance for a wide variety of development projects. We support clients building residential units, commercial premises, or mixed-use developments. Every application is reviewed based on its planning status, construction timeline, and cost estimates. Our team works to secure suitable options for your project, ensuring they meet lender expectations and current market conditions. We assist throughout the process, from the initial enquiry to the final drawdown of funds.

Find the Right Commercial Mortgage for Your Development

Securing the correct finance is crucial for any successful project. Yet, many developers often ask:

• Which lenders are suitable for my type of scheme?
• Can I secure a high loan-to-value option?
• Will funding be available before full planning is approved?

At Money Factors Ltd, we help guide you from site acquisition to completion and exit. Our team ensures you access the most competitive and suitable terms currently available.

Commercial Mortgage Options Tailored to Your Project

No two development projects are alike, so your finance shouldn’t be either. We offer a range of funding options, including:

• Residential and commercial development loans
• Access to both high street and specialist lenders
• Loan-to-cost options up to 90–95%
• Mezzanine funding for extra capital
• Pre-planning and land acquisition loans

Our lender network and insight give you access to options not always available via standard channels.

Development Finance for Experienced Developers

If you have a strong delivery record, we offer premium mortgage solutions with attractive terms:

• Loans from £100k upwards, no maximum limit
• Projects across England, Scotland, and Wales
• Up to 75% of gross development value (GDV)
• 90–95% of loan-to-cost (LTC) available
• Loan terms up to 3 years
• Exit structures based on project profitability

With Money Factors Ltd, you benefit from a funding approach built to increase returns and reduce upfront costs.

Development Finance for New Developers

Starting out in property development? We offer tailored support and access to suitable funding options:

• Loans from £200k up to £5 million
• Suitable for UK-based housing developments
• Up to 60% of GDV, sometimes higher, subject to project
• Terms available for up to 3 years
• We consider a wide range of borrower structures

We support developers without a track record. Our team will structure funding to suit your circumstances.

What You’ll Need – Commercial Development Finance Checklist

To help us assess your funding needs, we recommend preparing the following documents:

• Site layout and location details
• Design plans and house types
• Full planning documentation
• Recent agent valuations or comparable evidence
• Project appraisal with costings
• Forecasted cash flow and timeline
• Utility connection confirmations
• Details of your background and experience

Even if you’ve just begun planning, we’re happy to advise on your funding approach.

Why Choose Money Factors Ltd for Your Development Finance?

• Access to high-street and private lenders across the UK
• High loan-to-cost products up to 95%
• Funding available for both new and experienced developers
• Transparent and quick process from enquiry to offer
• Guidance on exit planning to support repayment

At Money Factors Ltd, we help make development finance more accessible, structured, and efficient.

Discuss Your Development Finance Options Today

Looking at a residential site or a mixed-use build? Our team is ready to discuss suitable funding options with you. We understand UK development finance — from commercial mortgages to mezzanine loans — and help you secure finance from start to finish.

Call us today or leave your details to speak with a finance specialist.

Please note: Most commercial mortgage products are not regulated by the Financial Conduct Authority (FCA).