DEVELOPMENT FINANCE

We provide specialist advice on development finance for clients undertaking residential, mixed-use or commercial development projects. Development finance is designed to fund the acquisition, construction or conversion of property, with funds typically released in stages as the project progresses.

We work with a range of specialist development lenders to help structure funding solutions aligned with the scale, complexity and exit strategy of each project.

All advice is provided subject to current lender criteria and individual circumstances.

Our Development Finance Services Include

Ground-Up Developments

Funding solutions for new-build residential, mixed-use or commercial developments.
Conversions & Change of Use

Finance for projects such as office-to-residential, commercial-to-residential or permitted development schemes, subject to planning approval.
Small, Medium & Large Developments

Advice for single-unit projects through to multi-unit schemes, subject to lender appetite and experience requirements.
Limited Company & SPV Borrowing

Advice for developers borrowing through Ltd Companies or SPVs, including newly formed entities, subject to lender acceptance.

How Development Finance Is Structured

Development finance is typically structured with:

An initial advance towards land or property acquisition

Staged drawdowns linked to build milestones

Interest rolled up or serviced during the build period

A defined loan term aligned with the development timeline

Lenders will usually require a clear and viable exit strategy, such as sale or refinance.

How Development Finance Is Assessed

Applications are typically assessed on factors including:

Planning consent and project viability

Gross Development Value (GDV)

Costings, build programme and professional team

Borrower and developer experience

Exit strategy and market demand

Independent valuations and monitoring surveyors are commonly required.

Important Development & Risk Disclaimer

Development finance carries a higher level of risk than standard mortgage lending. Cost overruns, delays or changes in market conditions may impact project viability.

We do not provide construction, legal, planning or tax advice and recommend clients obtain independent professional advice before proceeding.

Why Use a Specialist Development Finance Broker

Development finance is complex and highly bespoke.

We provide access to specialist development lenders, experience with a wide range of development projects, support in structuring viable funding proposals, and guidance through valuation, monitoring and drawdowns.

All lending is subject to lender underwriting, valuation and ongoing monitoring.

Who We Work With

We work with:

First-time developers (subject to lender criteria)
Experienced developers and portfolio landlords
Limited company and SPV borrowers
Clients undertaking residential, mixed-use or commercial schemes

Each application is assessed individually and not all projects will qualify.

Regulatory & Advice Disclaimer

Your property may be repossessed if you do not keep up repayments on your loan.
Development finance is subject to lender criteria, valuation and monitoring requirements.
Rates, fees, terms and lending criteria may change without notice.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA