Property Development Finance

Staged funding for ground-up construction, conversion and major refurbishment, released against surveyor-verified progress.

Property Development Finance

Staged funding from site acquisition through to practical completion

Development lending is priced on gross development value, build cost and the strength of the team. We present the appraisal, programme and track record in the form lenders need to underwrite quickly.

We Structure

Why Property Development Finance Requires the Right Lender

What we arrange

  • Land and build cost funding, typically drawn in stages
  • Facilities for ground-up residential and mixed-use schemes
  • Conversion and permitted development schemes
  • Exit onto sale or an investment term facility

Who this is for

  • Developers with a consented site
  • Investors converting commercial buildings to residential
  • Experienced clients undertaking multi-unit schemes

How London FS helps

Development lending is priced on gross development value, build cost and the strength of the team. We present the appraisal, programme and track record in the form lenders need to underwrite quickly.

Important information

The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.

Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Clock

Appraisals Presented Properly

Gross development value, build cost and programme packaged as lenders expect.

Key person

Up to 100% of Build Costs

Alongside a proportion of land value, subject to overall leverage limits.

Clipboard list

Monitoring Surveyor Process Managed

We prepare you for certification so drawdowns are not delayed.

Why Choose Us

Why Property Development Finance with London FS?

Property Development Finance requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.

Development lending is priced on gross development value, build cost and the strength of the team. We present the appraisal, programme and track record in the form lenders need to underwrite quickly.

Timeline

First-Time Developers Considered

Achievable with a strong contractor and appropriate leverage.

Clock

Exit to Sale or Investment Debt

The exit facility is planned before the development facility completes.

Target

Contingency Built In

Schemes rarely run exactly to plan. We structure for that reality.

Our Clients

Who Benefits from Property Development Finance

Experienced Developers

Commercial-to-Residential Converters

Multi-Unit Scheme Builders

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Fund the Scheme, Stage by Stage

Staged funding for ground-up construction, conversion and major refurbishment, released against surveyor-verified progress.

Our Services

Related Bridging/Development Finance Services

Our Bridging/Development Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

News & Blogs

Latest Financial News & Blogs

FAQ

Frequently Asked Questions on Property Development Finance

How much of the build cost is funded?

Commonly up to 100% of build costs alongside a proportion of land value, subject to overall loan to gross development value limits.

In arrears against a monitoring surveyor’s certification of works completed.

It helps materially. First-time developers can be funded, usually with a stronger contractor and lower leverage.

By an independent valuer instructed by the lender, based on comparable completed schemes in the area.

A competent contractor, an appointed architect and usually a quantity surveyor on larger schemes.

Yes, commonly 5-10% of build cost, and lenders will want to see it evidenced.

Yes, and pre-sales generally improve both leverage and pricing.

Extensions are usually possible but carry cost. Realistic programming at the outset is the better protection.

For build funding, yes. Land can sometimes be funded ahead of consent under a separate facility.