Development finance provides specialist funding for property projects that go beyond standard mortgage lending, including new builds, conversions and major refurbishments.
At Holbrook Property Finance, we deliver clear, whole-of-market development finance advice, helping you secure funding that is structured around your project, timescales and exit strategy.
Development finance is a form of short-term funding used to purchase land or property and cover construction, conversion or refurbishment costs. It is commonly used for projects such as ground-up residential developments, property conversions, heavy refurbishments and certain mixed-use schemes.
Unlike standard mortgages, development finance is typically released in stages, known as drawdowns, as the build progresses. Lenders assess applications based on the overall viability of the project, including total development costs, projected end value, build schedule and proposed exit strategy.
Development finance lenders vary widely in their approach, risk tolerance and project preferences. Some lenders focus on smaller refurbishments, while others specialise in large-scale developments or complex schemes, making lender selection critical.
At Holbrook Property Finance, we take time to understand your project in full — including acquisition costs, build budget, contingency planning, timescales and exit route.
With access to specialist development lenders, private funders and niche providers, we can identify funding options aligned with your project’s specific requirements.
Using a broker also helps ensure your proposal is presented clearly and professionally.
We assist with preparing development appraisals, financial breakdowns and supporting documentation, helping reduce delays, manage lender expectations and improve the likelihood of approval.
Development finance can be structured in a variety of ways depending on the scale, complexity and risk profile of your project. Options range from straightforward senior debt for smaller developments to more complex funding structures for larger or higher-risk schemes.
We advise both first-time developers and experienced professionals, supporting projects such as single-unit builds, multi-unit developments, conversions and phased developments. In some cases, funding may involve senior debt only, while more complex projects may include mezzanine finance or layered funding solutions.
Whether your project is residential, commercial or mixed-use, we’ll help you explore development finance options that balance cost, flexibility and risk, while ensuring the funding structure supports a realistic and achievable exit strategy.
At Holbrook Property Finance, we understand that development finance is about precision, timing and execution. Our advisers take a hands-on, relationship-led approach, ensuring every detail is considered before recommending a solution.
You’ll benefit from whole-of-market access to specialist development lenders, clear and strategic advice, and proactive support throughout the process — from initial assessment through to completion and exit planning. Our 5 star Google Reviews reflect our commitment to professionalism, integrity and delivering strong outcomes for our clients.
Development finance can be used for new builds, conversions, heavy refurbishments and certain mixed-use developments, subject to lender criteria.
Some lenders prefer prior experience, but options may still be available for first-time developers with the right project and support in place.
Funds are usually released in stages as the build progresses, following inspections or monitoring surveys.
Development finance is usually short term, often between 6 and 24 months, depending on the project and exit strategy.
Common exit strategies include selling the completed development or refinancing onto a long-term mortgage or investment loan.
If you’re planning a development or refurbishment project, expert advice can help ensure your funding is structured correctly from day one.
Get in touch today to speak to a Holbrook adviser about development finance.
No pressure, no hassle — just specialist support tailored to your project.
Holbrook Property Finance Limited registered in England at Holbrook House, 34-38 Hill Rise, Richmond TW10 6UA, number 07066135 is authorised and regulated by the Financial Conduct Authority (FRN 790387). Our charges are dependent on the loan amount and your individual circumstances. A free initial consultation will be provided, and we will explain in all cases what you will be charged before you decide to proceed with an application. As we offer a tailored service our fees can vary. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before we proceed.
