Property Development Finance

We provide fast and flexible funding for all types of property development project from £25k up to £2m.

More Info Below

Development finance is a short-term finance product that helps property professionals fund property development schemes.

BFS provides fast and flexible finance for all types of development project across England and Wales. Whether you are constructing several homes for profit, self-building a home for your family, converting a rural barn into a liveable space or refurbishing a derelict property, we can help you to make it happen.

We are privately funded which means we have the flexibility to make fast decisions and offer a quick turnaround on funds, making all the difference between a project happening or not. Our team can provide up to 100% of the funding you need with additional security, including funds for the land purchase, and we always cover 100% of build costs. We typically lend a greater percentage of the overall costs of a scheme than traditional lenders enabling you to work your capital harder.

Our widely varied customer base includes property developers, investors and private individuals and our experienced team also help brokers and other professionals to achieve the most cost-effective funding structures for their clients.

Ultimately, it is our passionate approach and superb customer service that ensures our clients come back time and time again.

We can finance…

Residential Developments for Profit

  • Single-build houses
  • Clusters of up to 10 houses
  • Permitted development rights schemes

Self-Build Home Projects

  • A from-scratch build on previously undeveloped land
  • A complete home rebuild, following demolition and a full architectural redesign
  • The construction of a property within the grounds of your existing property (e.g. building an additional house in a large garden)

Property Conversions

  • The conversion of lofts, cellars, and garages – adding more living space
  • Commercial-to-residential conversions (e.g. turning churches or former offices into flats)
  • Barn conversions

Property Refurbishment Projects

  • Auction properties
  • Unmortgageable properties (missing a bathroom or kitchen)
  • Changing residential property into HMO
  • Converting commercial property into flats


How does development finance work?

We will work with you to consider your plans, including discussion of your planning permission (and any related conditions), your new-build warranty provider (e.g. NHBC), your timeline for the requirement of funds, and any other features that are important to your application.

Property development finance is usually based on the Gross Development Value that is, what the site will be worth once the refurbishment, conversion or construction project is complete. You will receive your development finance in stages as your project progresses monitored by our retained Quantity Surveyor / Project Monitor. We will, of course, agree the dates and amounts of these stages with you beforehand.

We can offer you a development finance loan term that is suitable for your project – normally 12 months - but we can discuss a longer term with you if required. You will only pay interest on the monies you actually draw.

The amount you borrow is based on the strength of your proposal and the fastest way to find out how much you are eligible to borrow is by speaking to one of our expert team.


    Find out more

    Residential Development Finance >
    Self-build Mortgages >
    Property Conversion Finance >
    Property Refurbishment Finance >


    Make it happen

    Please contact us and speak to one of our experienced and friendly team to discuss your specific circumstances.


      Lending Criteria

      Interest rate

      From 0.75% pcm

      Minimum loan


      Maximum loan


      Maximum loan to value

      70% OMV

      Loan term

      1 day to 24 months

      Upfront fee


      Product fee


      Exit fee


      Expiry fee


      Redemption fee


      Hidden costs


      We are a principal lender which means that we work with our own money and do not need to consult any third parties before completing a transaction.

      We have years’ of experience and a proven track record in funding schemes from £25k to £2m. This is why we can make you an offer within hours – and draw funds in days, not weeks.

      BFS is regulated by the Financial Conduct Authority (FCA) which demonstrates our reputation as a responsible lender.

      Got questions? speak to our team

      call us on
      0151 639 7554
      or start online
      Apply Now