Property development finance with transparent rates and shared commission.
Compare development finance lenders for ground-up residential, commercial and mixed-use schemes from £250k to £50m. Senior, stretched senior and mezzanine. See rates, fees, gross loan, net loan, GDV leverage and our broker commission clearly before you choose a lender.
Development finance is a short-term loan used to fund property construction or conversion. Funds are drawn in stages as the build progresses, with interest charged only on drawn amounts. Lendaris compares development finance lenders across the UK and shares 50% of broker commission above £500 with the borrower on completion.
AT A GLANCE
Development finance rates and terms
Loan sizes
£250k – £50m
GDV (up to)
70%
Term
6 – 36 months
Drawdowns
Tranche based
Interest
Retained / rolled-up
Decision
DIP 5–14 days
COMMON SCENARIOS
When development finance is used
LENDER CRITERIA
What development finance lenders assess
TRANSPARENT COMPARISON
Compare development finance lenders side by side
Development finance is the most variable corner of UK property finance. Each lender has a different appetite for scheme size, location, build type, GDV leverage and exit confidence.
We run your scheme across our panel and surface every match — senior facilities, stretched senior, and senior-plus-mezz options. You see the gross loan, net loan, development finance rates, fees, our commission, and your share, before you choose.
WHAT YOU SEE
- Every lender match for your scheme
- Gross loan, net loan, and loan-to-GDV per lender
- Indicative rate, arrangement fee, exit fee
- Our broker commission per lender — fully disclosed
- Your estimated commission share per lender
- Live status as each submission progresses
A WORKED EXAMPLE
Your commission share on a development deal
Commission paid 7 working days after the lender pays us.
THE DEAL
£3,500,000
- 18-month development loan
- 8-unit residential scheme
- £5m GDV (70% LGDV)
- Tranche drawdowns, retained interest
THE COMMISSION
£43,750
- 1.25% commission (typical for development)
- Fully disclosed before submission
- Paid on day-1 drawdown
- Subject to final lender terms
COMMISSION
£43,750
LENDARIS KEEPS
£22,125
YOU RECEIVE
£21,625
Example assumes typical 1.25% development finance commission. £500 minimum retained by Lendaris; surplus split 50/50. Subject to lender commission arrangements.
See how much you could save. Learn how commission sharing works
FREQUENTLY ASKED
Common questions about development finance
Development finance is short-term secured lending used to fund the construction, conversion or heavy refurbishment of property. The loan is drawn in tranches as the build progresses and repaid when the completed scheme is sold or refinanced onto a term mortgage.
Most development finance lenders offer up to 65–70% of the gross development value (GDV) as a senior facility. Stretched senior can reach 75%, and with mezzanine layered on top, total leverage can reach 85–90% of costs in some cases.
Yes. Most lenders fund the land purchase (day-one tranche) plus build costs drawn in stages. You will typically need to put in equity for the difference between the total cost and the loan amount. Land with planning finance is the most common structure.
Most lenders require full planning or a lawful development certificate (permitted development rights) before they will issue a facility. Some will lend against land with outline planning at lower leverage, with the balance released once detailed permission is granted.
Retained interest means the lender adds the full interest cost for the loan term into the facility on day one. You do not make monthly payments — instead the interest is retained from the gross loan and repaid at the end alongside the principal.
Yes. If a scheme has stalled with another lender, we can approach our panel for a refinance of the existing debt plus the remaining build costs. Development finance lenders will want an updated QS report and revised appraisal.
Typically: site appraisal with GDV, build cost schedule, planning decision notice, architect drawings, contractor tender or build contract, your CV showing developer experience, and 6-month bank statements. We package this into each lender's preferred format.
The lender pays us a broker commission (typically 1–1.5% on development finance deals). We keep £500 plus 50% of the surplus, and pay the other 50% directly to your bank within 7 working days. Every penny is disclosed before you instruct us to submit.
Results are indicative and depend on lender criteria, valuation, security, credit profile, exit route and full underwriting. Commercial finance may be unregulated. Some property finance can be regulated depending on borrower, property use and loan purpose. The correct status should be confirmed case by case.
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Rates, fees and commission shown clearly. No credit check. No commitment until you instruct us to submit.
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