Ground up Development Finance & Funding
Funding from £75,000 up to £25 million
Helping you secure a short-term financial solution to your specific ground up development finance & funding requirements
Ground-up Development Finance & Funding
A personal approach to fast ground up development finance & funding. Our partnership with Bridging Finance Capital in the UK provides the ability to work with and service a wide and diverse range of individual and business clients, assisting them to secure the necessary ground up development finance for their next property project, business venture or to plug a short-term financial gap quickly and efficiently.
Ground-up development finance is a specialist form of property funding designed for projects where a new building is constructed from scratch, rather than refurbishing or converting an existing structure. In the UK, this type of finance is essential for property developers undertaking residential, commercial, or mixed-use schemes.
Typically, lenders provide funds in stages, known as drawdowns, to match the progress of the development. This reduces risk for both the lender and the developer. The first stage often covers the purchase of the land, followed by phased releases for construction costs such as foundations, structural work, and final finishes. Lenders closely monitor progress through valuations and site inspections before each release.
Ground-up development finance usually requires a detailed business plan, planning permission, cost estimates, and a clear exit strategy — most commonly selling completed units or refinancing with a long-term mortgage. Loan terms usually range from 12 to 36 months, with interest rates higher than standard property loans due to the increased risk.
This type of funding is ideal for experienced developers, as lenders typically require strong track records and personal investment in the project. When managed well, it can unlock significant profits and support housing and infrastructure growth across the UK.
Types of UK ground up development finance & funding clients:
Homeowners
Commercial & Residential Landlords
Buy to Let Investors
Business Owners
Property Developers
Company CEO’s
Ground up Development Finance & Funding Explained
Ground up development finance is a type of short-term loan, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing.
We can ensure you are connected with the talented and expert team at Bridging Finance Capital who can guide you through the process of obtaining competitive ground up development finance.
Discuss in detail the financing options available for your next ground up property development project. Whether its single or multi unit ground up new builds, conversion schemes or a specialist development there are a number of options available to financing your project. Benefit from:
- Easy Application Process
- Expert Support
- Expert brokers & lenders
- Fast decision making
- Single point of contact
This type of funding is a specialist product designed around the timescales and financial requirements specific to the construction sector.
By utilising ground up development finance, you’ll potentially be able to undertake multiple projects simultaneously, or avoid having to wait until an existing project is sold, or is fully sold, before commencing your next development.
Where there is a pressing need for speed of completion and possibly income streams have declined during Covid-19, tailored ground up development finance can meet financial objectives and overcome apparent immovable financial obstacles!
Our partners at Bridging Finance Capital understand the pressures of site delays and regulations that must be met. We also know how great the feeling is when you get it right and you see your project come to life.
Through our portal you will be able to access an array of experts in this financial sector including experienced property developers, property banking professionals and RICS qualified valuers.
Working alongside you to provide support and technical expertise whenever you need it is a key component of a successful ground up development finance application. Each client is treated individually according to their bespoke funding requriements, tailoring a solution to your needs and adapting it as the journey evolves.
At the end of the building or refurbishment project, the property finance facility is normally repaid through sale of the properties or through a re-finance agreement.
The interest rates on ground up development loans will depend on the size of the project which is being funded, the value of the security on offer, the value of the property once building work is completed and the amount of money being borrowed.