Funding Your Property Projects
Development Finance
From single-unit conversions to multi-million pound developments, we arrange finance for property developers at every level. Access competitive rates from specialist development lenders.
Ground-up & Permitted Development: Finance Structured for Each Deal
Property development is the sharpest end of real estate investing. With the UK government under constant pressure to deliver new homes, the opportunities for ground-up developments and Permitted Development (PD) conversions are vast. However, the macroeconomic climate — characterised by fluctuating material costs, labour shortages, and planning bottlenecks — means development lenders are scrutinising projects more closely than ever before.
Securing the site is only 10% of the battle; structuring the finance to build it is the true test of a developer. Traditional banks have largely stepped back from SME development, leaving a dynamic but complex alternative finance market to fill the void. To succeed, you must understand how to blend senior debt, mezzanine finance, and equity into a seamless ‘capital stack.’ At Aegis Finance, we help build the blueprint you need to fund your project from the ground up.
When to Use Development Finance?
From ground-up builds to complex conversions, we fund the full spectrum of property development projects.
Ground-up Residential Builds
Full funding for new-build houses or flats, covering land purchase and total construction costs.
Commercial to Residential Conversion
Transforming redundant warehouses or high-street shops into modern, high-value living spaces for profit.
Office Developments
Funding for the construction or significant CAT A/B fit-out of premium corporate workspaces.
Permitted Development Schemes
Streamlined financing for projects utilising prior approval rights to bypass full planning permission.
HMO Conversions
Converting standard residential properties into high-yield Houses in Multiple Occupation for professional tenants.
Student Accommodation
Specialist funding for Purpose-Built Student Accommodation (PBSA) near major UK university hubs.
Care Home Developments
Financing for state-of-the-art residential care facilities, nursing homes, and assisted living retirement communities.
Mixed-use Schemes
Complex funding for projects combining commercial ground-floor units with residential apartments above.
Industrial Developments
Capital for building modern light industrial units, distribution centres, and strategic 'last-mile' logistics hubs.
Retail Developments
Funding for new-build retail parks, local convenience stores, or significant shopping centre refurbishments.
Development Finance Terms
Development finance is tailored to each project. These are typical terms available - your facility will be structured specifically for your development.
Typical Terms
At a Glance- Loan Amount
- £150,000 - £50m+
- LTGDV
- Up to 70%
- LTC
- Up to 90%
- Term
- 6 - 36 months
- Interest Rates
- From 7.5% pa
- Arrangement Fee
- 1.5% - 2%
Why Partner With Us
Our investor-led approach and deep lender relationships give your development project the best chance of success.
Higher Leverage (LTGDV)
We secure funding up to 70% of Gross Development Value, reducing your required equity.
Staged Drawdown Management
We coordinate with monitoring surveyors to ensure build funds are released exactly when needed.
Access to Mezzanine Finance
We bridge the 'equity gap' by layering junior debt on top of senior funding.
Market-Leading Rates
Our deep relationships with specialist development banks and private funds ensure institutional-grade pricing.
No "Area" Restrictions
We fund projects across the UK, from prime London developments to regional regeneration sites.
Planning Expertise
We assist in securing funding for sites with 'subject to planning' or 'prior approval' status.
Frequently Asked Questions
Find answers to common questions about our services.
Ready to Discuss Your Finance Needs?
Whether you need bridging finance for a quick purchase, development funding for your next project, or business finance to fuel growth, we're here to help.
No obligation consultation. Whole of market access. Expert guidance.