Development Finance

Whatever your development project, we’re here to find the right funding solution for you.

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Property Development Finance

Most development lenders require a proven track record, but we’ve successfully secured funding for first-time developers too.

Development finance usually comes in two parts: the first covers a percentage of the site’s purchase price, while the second funds up to 100% of the build costs, released as the work progresses.

At Christie Finance, our development finance team specialises in securing funding for new builds, redevelopments, and conversions. As an independent broker, we’re free to work with any lender, and our strong relationships with top lenders ensure you get the most competitive deal tailored to your project’s needs.

Key Factors to Consider

When you’re thinking about applying for development finance, there are various things that both you and a potential lender will need to consider: 

  • Experience: Do you have the right level of expertise to match the complexity of the development you’re currently looking at?
  • Exit strategy: How do you plan to repay the loan? A clear exit strategy is essential.
  • Financial stability: Lenders will assess your financial health, including your credit history and cash flow.
  • Project viability: Is your project financially viable? Lenders will assess the gross development value (GDV) and development costs.
  • Market conditions: Lenders will analyse external factors such as demand, economic trends, and planning constraints.

Applying for Development Finance

Applying for development finance involves thorough preparation to ensure you meet the lender's criteria. It’s essential you have a solid plan to cover the costs and repay the loan. Below are the key details that lenders typically request to process your application successfully:

  1. Deposit of 30% or more
  2. Good credit history
  3. Full details of your chosen contractor (if applicable)
  4. Strong proposal from Christie Finance
  5. Schedule of works
  6. Full planning details
  7. CV detailing your previous projects

How Can Christie Finance Help Me Secure a Development Loan?

From experienced property developers to first-timers, we specialise in helping developers secure the finance they need for their projects. We’ve successfully arranged funding for numerous development finance projects, and we can help you secure the best possible terms by:

  • Assessing your specific development goals and financial needs
  • Matching you with development finance lenders
  • Negotiating competitive rates and terms for your project
  • Streamlining the application process
  • Ensuring you meet all development finance criteria
  • Assisting with the preparation of key documents
  • Offering guidance on exit strategies and additional security

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If you'd like to discuss these findings with your local sector expert, get in touch.

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