How much will a development lender fund?

Typically a proportion of land and build costs, capped against a percentage of GDV, exact leverage depends on the scheme, your experience and the lender. We’ll model your appraisal against live market terms rather than quote a generic number.

I haven’t developed before, can I get funding?

Possibly, with the right scheme and team. Several lenders back first-time developers where a strong contractor, architect and realistic appraisal stand behind them. Honest assessment first; if the deal isn’t fundable, we’ll say so.

What is development-exit finance?

Short-term lending that repays the development facility once the scheme is complete, cutting the finance cost while units sell. On the right scheme it protects margin at exactly the moment pressure peaks.

Property Development Finance

From first site to full schemes, funding structured around the deal, not the form.

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Development lives or dies on the funding structure

Property development finance is a moving calculation: land cost, build cost, professional fees, finance cost and contingency, set against gross development value and an exit. It is drawn down in tranches against a monitored build programme.

Lenders differ on every variable: leverage against GDV and costs, experience requirements, sectors, regions. The structure you start with determines the margin you finish with.

How ERG helps

The full stack, properly modelled:: Senior debt, stretched senior or mezzanine where it’s justified. We model the options against your appraisal so the capital structure protects your margin.
Lenders matched to the scheme:: A two-unit conversion and a twenty-unit new build belong with different funders. Our market covers both, including lenders who back first-time developers with strong teams.
Through the build, to the exit:: Drawdowns, monitoring surveyor visits, variations. We stay in the deal to completion, then arrange the exit: sales, refinance or development-exit bridging.

Detail, site plans, hi-vis and hard hat on a trestle table; professional grit

Who we help

Development funding we arrange:

Ground-up residential schemes
Commercial-to-residential conversions
Heavy refurbishments and extensions for resale
First-time developers with credible teams
Experienced developers scaling to larger sites

Development Finance → Bridging Finance → Case Studies →

Frequently Asked Questions

Typically a proportion of land and build costs, capped against a percentage of GDV, exact leverage depends on the scheme, your experience and the lender. We’ll model your appraisal against live market terms rather than quote a generic number.
Possibly, with the right scheme and team. Several lenders back first-time developers where a strong contractor, architect and realistic appraisal stand behind them. Honest assessment first; if the deal isn’t fundable, we’ll say so.
Short-term lending that repays the development facility once the scheme is complete, cutting the finance cost while units sell. On the right scheme it protects margin at exactly the moment pressure peaks.

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Your consultation

A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.

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