Development finance for London schemes, structured around the build.
Funding for ground-up development and heavy refurbishment across London, from site acquisition through construction to exit. Facilities are structured around the build programme and drawn in stages as works complete.
Funding that understands build risk
London development has its own economics: land values that dominate the appraisal, planning timelines, party walls, rights of light and contractors at capacity. We match developers to lenders who genuinely understand build risk in the capital and can move at the pace planning and contractors demand.
- Ground-up residential and commercial development
- Site acquisition and planning-gain funding
- Stretch-senior and mezzanine structures to reduce equity input
- Permitted development and office-to-residential conversion
- Development exit and marketing-period loans
From appraisal to final drawdown
We pressure-test the appraisal the way a credit committee will, present the scheme professionally, and run lenders in parallel so terms are genuinely competitive. During the build we stay involved: monitoring surveyor drawdowns, variations and, where the programme moves, renegotiation.
Where a scheme is complete but unsold, a development exit loan repays the build facility at a lower rate and buys time to sell well rather than fast. For developers moving straight to the next site, we arrange the acquisition funding in parallel.
Frequently asked
How much can be borrowed against a London scheme?
Senior facilities commonly fund up to 65 to 70% of GDV. With mezzanine or stretch-senior structures, total funding can reach 85 to 90% of costs, subject to the scheme and sponsor track record.
Do you work with first-time developers?
Yes, though lender choice narrows and structure matters more. A strong professional team and a sensible scheme can outweigh a short track record; we position the case accordingly.
What does the lender need to see?
A credible appraisal, planning position, build costs with contingency, the professional team, comparable evidence for the exit values, and the sponsor's experience and financial standing. We assemble all of it before any lender sees the deal.
Related
Full service detail: Development & Construction Finance.
Recent work: transactions we have completed, anonymised.
Also in London: Bridging Finance London · Debt Advisory London · Litigation Funding London.
Discuss a London requirement
Describe the situation in confidence and we will tell you how we would approach it, usually within one working day.
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