Development Finance Lenders

We've handpicked recognised lenders, so you don't have to

Search over 40 development finance lenders, including mainstream banks, challenger banks & specialist development lenders.

 

  • Our Lenders - Alpha Property Lending
     Alpha Property Lending
  • Our Lenders - Alternative Bridging Corporation
    Alternative Bridging Corporation
  • AssetStone
    AssetStone
  • Our Lenders - Assetz Capital
    Assetz Capital
  • Our Lenders - Avamore Capital
    Avamore Capital
  • Barclays (1)
    Avamore Capital
  • Beaumont
    Beaumont Finance
  • Our Lenders - BLG
    BLG
  • Buzz Capital
    Buzz Capital
  • Our Lenders - Capital Rise
    Capital Rise
  • Our Lenders - Charterbank
    Charterbank
  • Our Lenders - Close Brothers Property Finance
    Close Brothers Property Finance
  • Our Lenders - Clearwell Capital
    Clearwell Capital
  • Our Lenders - Colenko
    Colenko
  • Our Lenders - CrowdProperty
    CrowdProperty
  • Our Lenders - Fox Funding
    Fox Funding
  • Our Lenders - Funding 365
    Funding 365
  • GoldenTree
    Goldentree Financial Services
  • Our Lenders - Hampshire Trust Bank
    Hampshire Trust Bank
  • Helmsley Group

    Helmsley Group

  • Our Lenders - Hilltop Credit Partners
    Hilltop Credit Partners
  • Our Lenders - Hodge Bank
    Hodge Bank
  • Our Lenders - Ingenious Group
    Ingenious Group
  • Our Lenders - Investec
    Investec
  • Our Lenders - Invest and Fund
    Invest and Fund
  • Our Lenders - Kuflink
    Kuflink
  • Our Lenders - Lendinvest
    Lendinvest
  • Our Lenders - Magnet
    Magnet Capital
  • Our Lenders - Maslow Capital
    Maslow Capital
  • Mint Property Finance
    Mint Property Finance
  • Our Lenders - MSP Capital
    MSP Capital
  • Our Lenders - OakNorth Bank
    OakNorth Bank
  • Our Lenders - Octopus Real Estate
    Octopus Real Estate
  • Our Lenders - Paragon
    Paragon
  • Our Lenders - Pivot
    Pivot
  • Our Lenders - Pluto Finance
    Pluto Finance
  • Our Lenders - Puma Property Finance
    Puma Property Finance
  • Roma
    Roma
  • Our Lenders - Sancus
    Sancus
  • Secure Trust Bank
    Secure Trust Bank
  • Our Lenders - Shawbrook
    Shawbrook
  • Stretton
    Stretton Capital
  • Triple Point
    Triple Point
  • Our Lenders - United Trust Bank
    United Trust Bank 
  • Our Lenders - Wintrust Development Capital
    Wintrust Development Capital
  • Our Lenders - West One
    West One
  • Westwood Capital Finance
    Westwood Capital Finance
  • Zorin Finance
    Zorin Finance
COMPARE LOANS FROM 40+ DEVELOPMENT FINANCE LENDERS

Want to know more about how to finance property development?

READ OUR EASY GUIDE TO DEVELOPMENT FINANCE
FAQs

Your Questions Answered

How does Brickflow calculate development finance?

Development finance is the most complicated of all property loans to calculate. There are many variables to consider, and these loans are underwritten more subjectively than a regular mortgage.

We use the same loan modelling process across all lenders to allow easy comparison between lenders. Each lender will have their own model, which will constantly be tweaked, so the loan figures provided on the Brickflow results screen may differ to the final quotes provided by the lenders. However, we constantly monitor our estimates against the actual quotes received to ensure any differences are minimal.

The main criteria to how a development loan is calculated are:

  • Loan to Gross Development Value (LTGDV)
  • Loan to Cost (LTC)
  • Minimum client equity contribution
  • Day 1 land loan cap

The lender determines the loan amount from a combination of the above factors and delivers a final combined amount. Other factors that can affect leverage and pricing are; micro geography, asset type, lender loan book exposure, development experience, build type and more.

How does the Brickflow loan application process work?

Once you have shortlisted your lenders and want to make an application you will be asked to complete further details on the project; your development experience, a development appraisal and property schedule. This will automatically be sent to the lender shortlist (up to 3 lenders), where these lenders are encouraged to submit their best loan terms.

These lenders will conduct a preliminary underwrite and offer their final loan terms, decline to offer or ask more questions. Once all the loan terms are received, borrowers can ask any questions to the lender or Brickflow. When you have selected your preferred option, that lender will move to their credit approval process.

Once the loan is credit approved, the lender will instruct their professionals; valuer, IMS and lawyers.

To sign up as a Brickflow user, there is a fee of £35 per month.

 

 

How do you rank the loans?

Loans are ranked in order, from largest to smallest. When the loan amounts are the same, the Brickflow software ranks them in price order, with the cheapest loan first.

How long does it take to get a loan?

Once you’ve selected your 3 lenders and your project goes live on Brickflow, bids can be received within as little as 2 hours. It normally takes up to 48 hours for all 3 bids to come in, and sometimes a little longer if it’s a complex case or there is incomplete information.

The info the lenders need is clearly detailed in the online Development Appraisal but primarily includes your development experience and a property schedule.

From submitting the application to full credit approval, it normally takes 2-3 days, although the quickest credit approval on the platform so far is 4.5 hours

Credit approval to loan completion is mainly dependent on your professional team. If your lawyer works quickly and collaboratively with the lender's professional team, you can complete 3-4 weeks later.

The industry standard to complete a development loan is close to 6 months. With good borrower co-operation, Brickflow can do it in 4 weeks from start to finish, but 8 weeks is more typical.

Can Introducers use Brickflow?

Absolutely. We work with estate agents, brokers, IFAs, architects, lawyers, and any other property professionals. Click here to go to our Partner page.

READ MORE

How does Brickflow get paid?

Brickflow receives a commission from the lenders, but only on completion of the loan. We are therefore strategically aligned with our borrowers to ensure their loan completes successfully.

Any commissions are built into the results you see on screen and will be included in the loan bids you receive in the Deal Forum and in the credit-approved loan offers. 

The fee to sign up to use Brickflow is £35 per month.

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