Development Finance

Tailored funding for residential and commercial projects

Whether you’re building from the ground up, converting a property, or refurbishing for resale, securing the right development finance is essential to keep your project on track.

We support investors and developers across the UK with fast, structured development finance loans tailored to each deal. We understand that no two projects are alike, and we bring commercial expertise to every stage of the funding journey.

What is development finance?

Development finance is a short- to medium-term funding solution used to finance residential, commercial, or mixed-use property development. It can be used to cover land purchase, build costs, professional fees, and interest during the project lifecycle.

This type of funding is often used for:

Ground-up construction
Conversions (e.g., office to residential)
Heavy or structural refurbishments
Single-unit and multi-unit developments
Small sites through to major schemes

Funds are typically released in stages as the project progresses, based on site inspections and valuation reports.

If you have a viable project and planning consent in place (or in progress), we can help source the right UK development finance package for your needs.

Who can use development finance?

We work with:

Experienced property developers

First-time builders (with strong professional teams)

Landowners and investors

Limited companies and SPVs

Here’s what to expect from a typical development finance loan:

Borrow up to 65% of the land value

Up to 100% of build costs (in stages)

Terms from 6 to 36 months

Rolled-up or serviced interest

Exit via sale or refinance

We help structure the finance to support your cash flow and profit margins, ensuring funds arrive in time with your build schedule.

Submit application

Why work with a development finance broker?

Applying for development funding can be complex. Every lender has different criteria around experience, GDV (Gross Development Value), cost control, and exit strategy. A specialist development finance broker like Envelop Finance can save you time, avoid delays, and negotiate the right structure for your deal.

As a leading property development finance broker, we offer:

Access to high street, challenger, and private lenders
Support for both residential and commercial projects
Honest, practical advice based on market experience
Flexible funding options for first-time and seasoned developers
Fast response times and clear communication from day one

We don’t just submit applications; we build relationships that help you grow your development pipeline.

What can development finance be used for?

Funding for site acquisition and land purchase

Ground-up development of residential or commercial property

New build property projects, including single homes and multi-unit schemes

Renovation finance for residential and commercial buildings

Refurbishment loans for upgrading existing properties

Property conversion finance, such as office-to-residential or HMO conversions

Retail and shop fit-out funding for commercial spaces

Home extension and structural development finance

Commercial construction finance for warehouses, offices, or mixed-use sites

Who can get development finance?

Basically developers with all levels of experience, from individuals carrying out first time projects to national house builders and limited companies.

Want to know more about development finance?

Criteria

Development Criteria

FAQs

Development FAQs

Calculator

Development Calculator

Application

Development Application

Speak to Envelop Finance today

If you’re planning a new build, conversion, or refurbishment, we’re ready to help. Get in touch with our experienced team to discuss your options and secure funding that fits the project.

Once we have the basics, we’ll approach lenders who best match your project profile and funding requirements.

Development finance done properly.