Bridging finance for ground-up development — from acquisition of the build site through to practical completion. Submit your enquiry and a specialist broker will call you back.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
Common development scales funded by bridging.
Individual buyers building their own home — purchase of the plot, design and planning, construction in stages. Funds drawn down at agreed milestones, exit via owner-occupier mortgage on completion.
Two to ten unit residential developments — terraces of houses, small apartment blocks, infill schemes. Exit via sale of completed units or refinance of the retained units onto investment mortgages.
Larger residential developments and mixed-use schemes with commercial elements at ground floor. Funded in tranches with stricter monitoring, often by lenders with larger loan-size appetite.
How development finance is structured for new builds
Ground-up development finance funds a property project from a vacant or cleared site through to a completed building. It typically combines two pots — the day-one drawdown to acquire the site and demolish or prepare it, and staged drawdowns to fund the construction phase as work progresses.
Loans run from £25,000 to £25,000,000. Maximum LTV is typically expressed against gross development value (GDV) — the projected value of the completed scheme — usually up to 65–70% of GDV. Additional limits on land value and total cost ratios apply.
Schemes range from single-unit self-build through small multi-unit residential developments to mixed-use schemes with commercial elements. Both first-time developers and experienced operators considered, with case strength tied to the project economics, the developer's track record and the credibility of the exit strategy.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry