Property development finance you can build on

Secure the capital you need for a successful property project.
Business Finance Team

Helping you access affordable development finance

Maximising the value from your property development project means choosing the right finance solution from the start. There’s no shortage of lenders keen to give you a loan or mortgage, but you need to be sure that what’s on offer is right for your situation and budget.

Development finance for property comes in various shapes and sizes. Whether you’re looking to purchase, refurbish, extend or entirely redevelop, your borrowing options are vast.

Commercial mortgages are designed for non-residential property projects, such as offices, shops or industrial buildings. These can work well when the business wants to purchase and improve premises it already occupies. With the right trading history, it’s possible to get a loan requiring a relatively low upfront cost.

Buy-to-let mortgages are popular residential loans for landlords seeking to rent out houses or flats in the medium to long term. Because of their more commercial nature, buy-to-let mortgages are usually more expensive, in both fees and interest rates, than an owner-occupier residential mortgage. They can be on an interest-only basis.

Bridging loans may be a cost-effective approach to short-term borrowing, particularly for properties being refurbished. Because these projects take just a few months to complete, the return on the investment can offset the relatively high price of the loan facility.

Personal loans can be the right property finance solution for a private individual undertaking a relatively modest project. The state of today’s UK property market has led many to invest in building improvements funded by an unsecured personal loan.

Whatever the scale of your property project, you want to choose the right method of finance. Even if you're in the position of having the cash to fund your plans, it’s worth considering whether this is the most appropriate approach to developer finance.  

Panel of over 250 Lenders

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Our Property Development Finance Solutions:

Professional, experienced team
For purchase or refurbishment
Commercial and residential
Refinancing of existing loans
Bridge loans 
Regulated and unregulated products
Structured finance solutions
Transparent process and fees 

Property Finance: Things to consider

Security - lenders will want to know what assets could provide security for the loans. Typically, UK lenders will loan up to 60% of the value of land and 100% of the build spend, but this is dependent on security being available. 

Interest rates - in general, longer-term loans attract a lower interest rate. Some property finance, such as buy-to-let mortgages, can be on an interest-only basis, and others may have a deferred interest option. Some loan arrangements permit funds to be drawn down over the life of the project, and interest is only charged once the drawdown occurs. This helps to keep interest costs down.

Other finance fees to consider - your budget for development finance should also take into account potential additional costs such as valuation, legal and administrative fees. It’s important to understand fee structures before committing to a specific development finance product.

The success of your property development project depends on excellent business planning. This applies to both the building work itself and the finance that underpins your entire endeavour. We specialise in providing you the best option to your finance needs.

Property Development Finance


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“  Perry & JD Capital Finance have been incredibly helpful from start to finish. They helped secure a CBILS package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys! ”

Reviews from our clients

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Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).