Development finance
Funding structures for residential & mixed-use schemes
Development finance funds the build cost of new construction or major refurbishment. Lenders typically advance against land plus a percentage of build costs, drawn down in stages.
Common uses
- Ground-up residential development
- Conversions and permitted development
- Mixed-use schemes
- Heavy refurbishment requiring build draws
- Stalled site rescue funding
Typical documents required
- Developer CV / track record
- Build appraisal / cost plan
- GDV evidence
- Planning consent / drawings
- Professional team details
- Company accounts (where applicable)
Risks & considerations
- Cost overruns can erode profit margin
- Build draws are subject to monitoring surveyor sign-off
- Exit (sale or refinance) is critical to viability
- Personal guarantees are often required
- Programme delays may incur additional interest
Ready to discuss your requirement?
Complete the digital funding assessment and our team will package and introduce your enquiry to suitable specialist partners.
Start Funding AssessmentImportant: Countrywide Specialist Finance is not a lender and does not provide regulated financial advice. We act as an introducer and commercial finance support platform. All finance is subject to lender criteria, underwriting, valuation and status.