Property Development Finance
Property development finance provides funding for clients building new homes, undertaking major redevelopments, or converting existing buildings. We help developers secure flexible, competitive finance solutions tailored to the scale and complexity of their project.
What Type of Projects Can Be Funded?
We support a wide range of development schemes, including:
- Residential housing projects, from single units to large multi-unit sites
- Commercial property developments
- Student accommodation schemes
- Care homes and specialist care facilities
- Commercial-to-residential conversions
Development experience is always beneficial, but first-time developers can also obtain finance with the right structure and professional support.
What Can Be Financed?
Development finance can cover:
- Part or all of the build costs
- Part or all of the land purchase
- Funding for the entire scheme, depending on lender criteria
Affordability & Repayment Structure
Most development loans are arranged on an interest-only basis. Interest can either be:
- Serviced monthly, or
- Rolled up and deducted from the final loan balance at completion
Final repayment typically comes from the sale or refinance of the completed units.
Who Can Apply?
Development finance is suitable for:
- Builders constructing their own projects
- Professional developers working with contracted builders
- Sole traders, partnerships, limited companies, and LLPs
Whether you operate personally or through a dedicated SPV, we can help structure the finance appropriately.
Why Choose L J Financial Ltd?
We provide clear, FCA-regulated advice and access to a wide panel of development lenders. Whether you're building your first project or expanding your portfolio, we help you secure the right funding structure — from initial assessment through to completion.