Development finance is a short- to medium-term funding solution used to finance the construction, refurbishment, or conversion of property. It is tailored for property developers and investors who need access to large sums of capital to complete projects that standard mortgages may not cover.

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Development finance can be used for:

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• Ground-up residential or commercial builds

• Major refurbishments or redevelopments

• Conversions (e.g., office-to-residential projects)

• Large-scale property developments and multi-unit sites

• Mixed-use schemes combining residential and commercial space

Development finance provides the flexibility and liquidity needed to bring ambitious property projects to life.

Benefits include:

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• Access to substantial funding – borrow larger sums than traditional mortgages allow.

• Stage payments – funds are typically released in stages, aligned with the build schedule.

• Short-term facility – tailored to match the project timeline, usually 6 to 36 months.

• Leverage potential – secure additional funding to cover both land acquisition and build costs.

• Growth opportunities – expand your property portfolio or take on larger-scale projects.

The amount available depends on the project size, cost, and expected end value of the development. Lenders often base lending on the Gross Development Value (GDV), the projected value once the project is complete.

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• Typical Loan-to-GDV: up to 70%

• Typical Loan-to-Cost: up to 90%

This allows developers to access significant leverage while retaining flexibility.

Yes. Development finance is highly specialist, and many developers face challenges such as unconventional projects, overseas investment structures, or complex income profiles. Maidwell Group works with a wide network of mainstream and specialist lenders, tailoring finance packages to your project’s specific requirements.

Our experienced team understands the demands of property development and the importance of reliable funding. We work closely with lenders and underwriters to secure competitive rates, flexible terms, and timely drawdowns, ensuring your project stays on track from land purchase to completion.