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

"Bring your property plans to life in 2025 with development finance tailored to your vision. Whether building, renovating, or embarking on a large-scale project, this flexible funding supports every stage of your journey. With the property market steady and mortgage rates easing, now’s the time to act. At John Charcol, we provide expert guidance to ensure your project succeeds, turning your ideas into tangible achievements. Let us help you make this your most productive year yet."

- Mortgage Technical Manager Nick Mendes, CeMAP qualified

NO MATTER
HOW COMPLEX

Talk to Our Experts Today

0330 433 2927

Send Us an Enquiry

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.

Mortgage Glossary

On this page you’ll find our detailed mortgage terminology glossary. There’s a lot of jargon out there but we’re here to make it easy.

Mortgage Types

Our guide explains everything you need to know about the different types of mortgages, including: interest rates, features, repayment methods and more.

Freehold and Leasehold

Before you buy a property, you need to decide whether you want a freehold or leasehold. In this guide, we explain what they mean and how they affect your mortgage.

Second Property Mortgages

Are you looking to buy a second home and need advice on a second property mortgage? Perhaps you’re planning to buy a holiday home? Read our guide to find out more.

IT'S SIMPLE
WITH US

Talk to Our Experts Today

0330 433 2927

Send Us an Enquiry