Development Finance
Development Finance
Funding Built Around Your Project
If you’re building, converting, or refurbishing property for profit, development finance gives you the funding flexibility to bring your project to life. Whether you’re a first-time developer or an experienced builder, this type of short- to mid-term funding is designed specifically for property development at all scales.
At Alphakey Mortgages, we provide whole-of-market access to competitive development finance solutions for residential, commercial, and mixed-use projects across the UK. From site acquisition to ground-up builds, our expert advisers deliver tailored funding packages and fast, reliable support at every stage.
Development Finance FAQs
What is development finance?
It’s a short-term loan used to finance property construction or major refurbishments. It typically covers land purchase and build costs, with funds released in phases.
How much can I borrow?
Loan amounts are usually based on a percentage of the Gross Development Value (GDV) and build costs. We work with lenders who consider up to 70–75% of GDV, subject to criteria.
Do I need experience to get development finance?
Not always. While some lenders prefer experienced developers, we also work with lenders open to first-time applicants—especially when backed by a strong professional team.
How are funds released?
In stages, often following site visits or surveyor sign-off. This staged drawdown aligns with your project milestones and helps control cash flow.
Can you help with planning or professional contacts?
Yes. In addition to finance, we can connect you with trusted professionals including project managers, solicitors, and surveyors to support your development.
Why Use Development Finance?
Fund Builds and Major Renovations
Ideal for new builds, conversions, and extensive refurbishments—development finance is structured to meet the cash flow needs of your build schedule.
Flexible Drawdown Options
Funds are typically released in stages based on project progress, helping you manage costs efficiently without overborrowing upfront.
Solutions for All Experience Levels
Whether you’re a first-time developer or managing a multi-unit scheme, we source funding suited to your background and the complexity of your project.
Support With Exit Strategy Planning
We’ll help you structure a clear exit route—whether via sale, refinance, or long-term letting—and can assist with arranging term finance after completion.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Specialist Lending
We offer flexible lending solutions for unique situations
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Life Insurance
Protect your family’s future, no matter what.
Insurance & Protection
Personalised cover for life, income, health, home, and more.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Commercial Mortgages are not regulated by the Financial Conduct Authority.