Property Development Finance & Advice

Name: Property Development Finance & Advice
Brand: John Charcol
SKU: 4124
Rating: 4.88 (2608 reviews)

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.

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John Charcol Expert Tip - September 2024

"Development finance is a vital tool for property developers looking to fund new builds, renovations, or large-scale projects. Whether you're working on residential, commercial, or mixed-use developments, this flexible financing option can provide the capital you need to bring your vision to life. With tailored solutions designed to match the specific needs of your project, development finance can help you manage costs, cash flow, and timelines more effectively."
- Mortgage Technical Manager Nick Mendes, CeMAP qualified

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.