Property Development Finance & Advice
Developing a property? Our brokers work with lenders that understand the complexities and the challenges facing developers. Find more answers in our FAQs.
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Can I Get a Loan for My Personal Property Development?
Development finance is a mortgage or loan designed to help you fund the building of a property that you intend to sell or rent out once it’s complete. You might have a portion of your back garden you can section off for a new-build, or perhaps you have inherited an older property that you wish to knock down to make space for new homes or apartments. You may need to discuss Non-Standard Construction mortgages with your broker if you have special circumstances. John Charcol is an expert in helping clients to arrange development finance for projects with planning permission throughout the UK.
Property development finance brokers
Raising finance for a property development can be tricky, but John Charcol has decades of experience in the UK mortgage market to overcome these difficulties. Our experts can arrange specialist mortgages and finance options for all kinds of clients and circumstances.
What deals are there?
Learn about the different mortgage deals and rates on the market now. From bridging loans to second charge mortgage products – we can find the right option for you.
John Charcol Expert Tip - January 2025
When timing is critical, bridging loans provide fast, flexible funding to bridge gaps between transactions or support short-term goals. Whether buying before selling, starting a project, or seizing an opportunity, this solution gives you the financial freedom to act quickly. With improving rates and John Charcol’s expert guidance, we’ll help you make confident decisions and turn challenges into opportunities. Start 2025 ready to move forward with a bridging loan tailored to your needs.
Nicholas Mendes
Head of Marketing
No Matter How Complex
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We can help you organise additional services like insurance and conveyancing to get you the best deal. Get quotes below!
Get a Life Insurance Quote
Life insurance protects you, your family and your home, including if you’re unable to meet your financial obligations due to illness, accident or even death. Get a quote now.
Get a Conveyancing Quote
If you’re purchasing a property, you’ll need a conveyancer. Luckily, John Charcol can refer you to an experienced conveyancer that suits your budget and timeline.
Property Development Finance FAQs
Can I get development finance without planning permission?
No. You must have planning permission first.
Can I borrow 100% of the build costs?
No. Typically you will need to fund at least 30% to 40% of the development costs yourself.
Is it easier to get development finance on certain projects?
Yes. Lenders will favour people with experience, but that doesn’t mean we can’t help if this is your first time.
Do I need to own the land first?
No. We can help you purchase the land, as well as provide finance for the build.
Is there a set time limit?
Yes, between 12 – 18 months for regulated projects. Longer terms than 18 months are typically unregulated deals.
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