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Development Funding
Development funding in the United Kingdom
Finance Hub is your go to partner for development funding
Whether you are planning residential, commercial, mixed-use projects, our customised funding solutions are designed to help you at every stage — from securing approvals to starting construction or renovations. We simplify the funding process so you can focus on bringing your vision to life
How can development funding benefit you?
Whether it’s for new builds, renovations or land purchases, Finance Hub provides flexible financing options that can be well-adjusted to your project’s unique needs.
Fast
Borrow £2k to £25million within days. Our system is built for speed and you'll get an instant lending decision.
Flexible
Borrow in one large amount or several smaller amounts in line with your work schedule to keep costs down.
No Upfront Fees
No upfront arrangement fees, no solicitors cost undertaking, we share a genuine desire to get a deal done.
All Property Types
You name it, we've seen it - and probably funded it! We'll consider funding any kind of property, anywhere in Scotland.
100% Bridging
We don't offer any other kinds of finance. We're a bespoke lender with unrivaled experience in the property market.
Proven Track Record
We've lent millions to Scottish property developers and investors every single year, for the last 14 years.
Ready to Bridge the Gap to Your Business Success?
Our development funding services
(1). Residential Development Finance
Perfect for financing home improvements, new builds or extensions. Our flexible financing options:- ● Cater to both large scale developers and smaller projects
- ● Support for projects ranging from minor refurbishments to major renovations.
(2). Commercial Development Finance
Ideal for mixed-use developments, office buildings and retail spaces, our commercial development finance provides the support you need to grow your business. Funding solutions designed for:
- ● Offices.
- ● Retail spaces.
- ● Multi-use properties.
(3). Land & Site Acquisition Finance
Secure the funds you need to acquire prime land for future development with our land purchase finance options.- ● Quick access to funding for securing prime land.
(4). Refurbishment & Renovations Finance
Our refurbishment funding choices cater to projects of all sizes, whether you are upgrading an existing property or undertaking major renovations- ● Support for projects ranging from minor refurbishments to major renovations.
(5). Development Bridge Loans
Short term bridging loans to address immediate financial gaps during development. These loans provide fast access to capital when it’s needed most.- ● Fast approvals to bridge funding gaps during development.
- ● Ideal for projects requiring immediate capital.
(5). Development Exit & Refinancing
Short term bridging loans to address immediate financial gaps during development. These loans provide fast access to capital when it’s needed most.
- ● Fast approvals to bridge funding gaps during development.
- ● Ideal for projects requiring immediate capital.
Why choose Finance Hub?
We stand out as a trusted provider of development funding in the UK because of our:
Tailored Solutions
- Flexible financing options to suit diverse project needs.
Quick Approvals
- Streamlined processes to provide funding without delays.
Competitive Rates
- Affordable solutions designed to maximise your ROI.
Expert Guidance
- A dedicated team to support you every step of the way.
Our development funding criteria
At Finance Hub, we ensure a transparent and straightforward application process, adhering to the following criteria:
- ➔ Minimum age is 18 years.
- ➔ All credit profiles considered.
- ➔ Projects must be located in the UK.
- ➔ Applicants should have prior experience with similar projects.
- ➔ Eligible for mixed-use, residential and commercial properties.
- ➔ Additional security allows Loan-to-Gross Development Value (LTGDV) to reach 75% or higher.
- ➔ Our stretch product offers Loan-to-Cost (LTC) of up to 80% or higher.
- ➔ A first charge security is required.
- ➔ Open to UK residents, UK companies, trusts and certain non residents.
1- Initial Consultation
Contact us to discuss your project’s requirements.
2- Submit Documents
Provide necessary documents like project plans and financial details.
3- Assessment
Our team evaluates your application and project feasibility.
4- Approval
Once approved, receive your funds quickly.
Borrow £5k to £25million Within Days
Terms and conditions
1.1 Applicants must meet the specified eligibility criteria, including but not limited to:
● A minimum age of 18 years.
● Project location within the UK (except Northern Ireland at present).
● Submission of accurate and verifiable personal and project information.
1.2 Finance Hub reserves the right to reject applications that fail to meet these criteria or are found to contain incomplete, false misleading information.
2.1 All funding is subject to a comprehensive credit assessment and project evaluation conducted by Finance Hub. Approval is not guaranteed and Finance Hub retains the discretion to approve or deny any application.
2.2 The approval process requires the submission of all requested documentation, including proof of project ownership, development plans and financial records, within the stipulated timeline.
3.1 A first charge security is a mandatory condition for all approved funding solutions.
3.2 Additional security may be required at Finance Hub’s discretion, particularly for projects exceeding standard risk thresholds.
3.3 If the borrower defaults on repayment or fails to meet agreed upon obligations, Finance Hub reserves the right to take possession of the secured property or assets.
4.1 Interest rates and repayment terms will be explicitly outlined in the funding agreement and are tailored to the specifics of the project.
4.2 Any delay or default in repayment will incur additional charges, including penalty fees, as specified in the agreement.
4.3 Changes to repayment schedules must be requested in writing and are subject to Finance Hub’s approval.
5.1 Any misrepresentation, falsification, omission of key information in the application process will result in immediate disqualification of the application.
5.2 If such issues are identified after funding has been disbursed, Finance Hub reserves the right to demand immediate repayment of all funds, along with applicable penalties.
6.1 Applications from non residents of the UK will be considered on a case by case basis and must comply with additional documentation and security requirements.
6.2 Finance Hub reserves the right to impose stricter terms for non resident applicants, including higher interest rates or additional security.
7.1 Funding is limited to projects related to residential, commercial and mixed-use developments, land purchases and renovations, as per the criteria set by Finance Hub.
7.2 Projects must demonstrate feasibility and adherence to local regulations and planning approvals. Failure to meet these requirements may result in withdrawal of funding.
8.1 Finance Hub reserves the right to amend these terms and conditions at any time. Such amendments will be communicated to applicants and borrowers as necessary.
8.2 The funding agreement may be terminated by Finance Hub in the event of a breach of terms, including but not limited to:
● Default on repayment obligations.
● Use of funds for purposes other than those outlined in the agreement.
● Violation of applicable laws or regulations.
9.1 All funding agreements are governed by and constructed in accordance with the laws of England and Wales.
9.2 Any disputes arising from or related to the funding agreement will be subject to the exclusive jurisdiction of the courts of England and Wales.
10.1 Approval of funding and the terms thereof are at the sole discretion of Finance Hub. The company is not liable for any losses incurred due to delays, non approval of other factors outside its control.
10.2 Finance Hub does not provide financial or legal advice. Applicants are encouraged to seek independent advice before entering into any agreement.
Frequently asked questions (FAQs)
Interest rates for development funding in the UK typically range between 5% and 10% annually, depending on factors like loan size, borrower experience and the LTC or loan to GDV (LTGDV) ratio.
Development finance brokers generally charge 1% to 2% of the loan amount. Some brokers may also charge additional fees, such as consultation or success fees.
Options for development funding in the UK include:
1- Development Finance Loans are tailored for specific development needs.
2- Bridging Loans are short term funding solutions.
3- Private Investors are funds from venture capitalists or angel investors.
4- Equity Partnerships are shared costs and profits with partners.
5- Conventional Bank Loans are suitable for low risk projects with strong financial profiles.
The process typically involves:
1- Application Submit project details (budget, timeline, plans).
2- Approval The lender assesses risk and project viability.
3- Funding Funds are released in stages based on project milestones.
4- Repayment Usually done through refinancing or the sale of the completed project.
Development Finance
Gradual disbursement for property development or renovation projects in the UK.
Bridging Finance
Short term loans for urgent needs, such as securing property or land before long term funding
Most lenders offer up to 70–75% of the GDV, while some may go up to 80% with additional security.
Yes, some lenders provide funding to first time developers. Partnering with an experienced builder or project manager can increase your approval chances.
Approval can take anywhere from 1 day to a few weeks, depending on the lender and the complexity of the project.
Lenders typically require a first charge on the property being developed. Additional security, such as personal guarantees or charges on other assets, may also be requested.
Options for securing additional funding include:
1- Using contingency funds from the original budget.
2- Requesting further advances from the lender.
3- Arranging a bridging loan or private funding.