Development Finance

Development Finance | Property Development Loans from £50,000

What Development Finance Covers

- Ground-up residential and mixed-use developments
- Refurbishment projects (light and heavy)
- Property conversions (commercial-to-residential, HMOs, mixed-use)
- Small to mid-scale developer schemes
- Projects with staged funding requirements

Worked Example

Project: Purchase of a £500,000 site with a £1,000,000 build cost.

• Total project cost: £1.5m

• Development lender funds: £1.275m (85% of cost)

• Initial advance: £350k for site purchase

• Staged drawdowns: released for build phases

• Exit: refinance onto a long-term facility within 12 months

From Plans to Completion – Finance That Works With You

Successful property development is never just about blueprints and prime locations — it’s about having finance in place that keeps pace with the build. Drawdowns must arrive on time, in the right stages, and on terms that support your vision rather than slow it down.

At EAS Finance, we connect you with development finance that works for the real world: whether you’re building a single new home, delivering a multi-unit residential scheme, or managing a mixed-use commercial project. We work with lenders who understand the realities of construction, the need for flexibility, and the importance of reliable funding throughout every stage of your development.

When To Use Development Finance

Ground-up construction – funding for residential, commercial, or mixed-use projects
Major refurbishment – finance for structural alterations, extensions, and conversions
Site acquisition with planning – secure land and start building without delay
Part-built projects – refinance or rescue schemes that have stalled
Development exit – repay build finance and gain time to sell or refinance

Our Process

1. Understand – Discuss your project objectives and exit route
2. Prepare – Build a lender-ready pack with financials and development appraisal
3. Place – Approach suitable lenders for terms
4. Negotiate – Structure the deal and negotiate favourable conditions
5. Complete – Support throughout valuation, legal process, and drawdown stages
6. Review – Monitor progress and ensure funding continues smoothly

Why Clients Choose Us

Funding that matches your build programme – staged drawdowns to keep cashflow steady.
Flexible lender network – from high street banks to specialist development funders.
Experience with complex sites – including brownfield, heritage, and mixed-use developments.
Speed and certainty – approvals in days, not months.
Clear exit strategies – ensuring repayment is built into the project plan.

Developer Common Mistakes

Underestimating total project costs
unexpected groundwork, compliance, or utility expenses derail budgets without contingency.
Weak exit planning
A profitable build means nothing if refinancing or sales are delayed. Lenders need a clear route to repayment.
Not aligning finance with build stages
If funding milestones don’t match the actual work schedule, cash flow gaps can stall progress.
Choosing the wrong lender
Some lenders are uncomfortable with certain construction methods, planning conditions, or locations
Leaving finance arrangements too late
Without finance in place early, valuable build time can be lost to approval delays.

How We Make It Simple

Clarity from the start – we take time to understand your project and match you with the right lender from the outset.

Professional packaging – valuations, QS reports, and applications prepared to lender-ready standards.

Smooth drawdowns – staged releases aligned to your build schedule, keeping cash flow steady.

Active monitoring – adapting finance as timelines or project needs change.

Clear lender fit – assessing propositions against lender criteria so you don’t waste time on mismatches.

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