You can see the opportunity. You've done the numbers. You know this development will work. But without the right funding, it stays a dream on paper.
Whether it's your first conversion or your twentieth ground-up build, we arrange development finance that matches your project — with stage releases, competitive rates, and lenders who actually understand property development.
Borrow against the completed value, not just today's price
Drawdowns matched to your build programme
New builds, conversions, heavy refurbs, HMO conversions
We help new developers access competitive terms
Terms issued quickly so you can secure your site
Full cost breakdown before you commit — no surprises
Speak to a development finance specialist — no obligation
Every development is different. Your funding should be too. Here are the structures we arrange.
For new build projects — from a single house to large residential schemes. Funding covers land acquisition and construction costs, released in stages as your build progresses.
For significant structural work — removing walls, extending, converting commercial to residential, or full-scale gut renovations. Not quite development finance, but more than a simple refurb loan.
Need more funding than your senior lender will provide? Mezzanine fills the gap between your senior debt and your equity — reducing the cash you need to put in.
No monthly interest payments during the build. Interest accumulates and is repaid when you sell or refinance. Preserves cashflow during construction when income is zero.
Development finance is complex. The wrong broker wastes your time, your money, and your opportunity. The right one makes your project happen.
GDV, build costs, QS reports, planning conditions, section 106 — we don't need you to explain the basics. We understand appraisals, margins, and what lenders actually want to see. That saves you time and gets you funded faster.
Every experienced developer started somewhere. If this is your first project, we won't dismiss you — we'll guide you through the process, help you present your project professionally, and match you with lenders who support new developers.
The cheapest rate isn't always the best deal. We look at the total cost — arrangement fees, exit fees, monitoring costs, legal charges — to ensure your project margins stay healthy and your profit is protected.
Development finance isn't cheap — but it shouldn't eat your profit either. Here's what to expect.
Factor this into your appraisal from day one. We'll help you model the true numbers.
Common questions from developers at every stage.
The best sites don't stay available for long. Talk to us today — we'll tell you what's achievable, what it'll cost, and how to structure the funding to protect your profit.
Or email us at hello@opusmortgage.co.uk