Development Finance Specialists • First-Time & Experienced Developers

    Turn Your Property Vision Into Bricks, Mortar & Profit

    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.

    Ground-Up Builds
    Conversions & Refurbs
    First-Time Developers
    Experienced Developers

    Up to 70% GDV

    Borrow against the completed value, not just today's price

    Stage-Release Funding

    Drawdowns matched to your build programme

    All Project Types

    New builds, conversions, heavy refurbs, HMO conversions

    First-Time Developers

    We help new developers access competitive terms

    Fast Decisions

    Terms issued quickly so you can secure your site

    Transparent Costs

    Full cost breakdown before you commit — no surprises

    Get Your Development Finance Quote

    Speak to a development finance specialist — no obligation

    Free, no-obligation consultation. We'll call you back within 1 hour during business hours.

    Specialist Lender Panel
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    FCA Regulated

    Development Finance Options — Matched to Your Project

    Every development is different. Your funding should be too. Here are the structures we arrange.

    Ground-Up Development Finance

    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.

    • 60–75% of total development costs
    • 60–70% of Gross Development Value (GDV)
    • Stage-release drawdowns
    • Terms typically 12–24 months

    Heavy Refurbishment Finance

    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.

    • Simpler than full development finance
    • Shorter terms and faster completion
    • Ideal for HMO conversions
    • Purchase + works funded together

    Mezzanine Finance

    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.

    • Reduces developer equity required
    • Sits behind senior debt
    • Higher rates reflect subordinate position
    • Can make otherwise unviable projects work

    Rolled-Up Interest

    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.

    • No monthly payments during build
    • Interest added to loan balance
    • Higher total cost but better cashflow
    • Standard for most development projects

    Why Developers Choose Us

    Development finance is complex. The wrong broker wastes your time, your money, and your opportunity. The right one makes your project happen.

    We Speak Developer

    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.

    First-Timer Friendly

    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.

    We Protect Your Margins

    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.

    Projects We Fund

    Single house new builds
    Multi-unit residential schemes
    Commercial to residential conversions
    Permitted development projects
    HMO conversions
    Office-to-flat conversions
    Barn and agricultural conversions
    Heavy refurbishment projects
    Mixed-use developments

    What Does Development Finance Cost?

    Development finance isn't cheap — but it shouldn't eat your profit either. Here's what to expect.

    Typical Costs

    • Monthly interest: 0.5% – 1.2% (rolled up)
    • Arrangement fee: 1–2% of total facility
    • Monitoring surveyor: £500–£1,500 per visit
    • QS report: £2,000–£5,000
    • Legal fees: £3,000–£6,000
    • Exit fee: 0–1.5%

    Example: £500k Facility, 12 Months

    • Interest (0.8%/month avg): ~£35,000
    • Arrangement & exit fees: ~£15,000
    • Monitoring, legal & QS: ~£16,000
    • Total: approximately £66,000

    Factor this into your appraisal from day one. We'll help you model the true numbers.

    Development Finance FAQs

    Common questions from developers at every stage.

    Your Next Development Won't Fund Itself

    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