Property Development Finance: funding scaled for your business plans

Funding developments from conversions to multiple new home schemes

Speak to one of our experts020 4525 5312

Funding options


Fund entire project

  • 1 to 60 months
  • £25,000 – No Maximum
  • Staged funding
  • Major construction and redevelopment

All type of development

  • Interest roll-up schemes
  • Up to 60% of the Gross Development Value or GDV
  • Planning gain transactions
  • Major development funding


  • Residential and commercial
  • Conversions
  • Expert support
  • Greenfield and brownfield Land

Talk to Rangewell – the business finance experts

Property development can mean big profits, but it requires large scale funding. We know the lenders who can provide the scale of lending you need, and use our contacts to help you secure the deal that's right for you.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

If you are an experienced property developer, you know the level of funding you need to support your projects.

Property Development lending is designed to provide the scale of funding you need - and help you access it fast.

It ranges from small-scale funding for individual domestic refurbishments to complex finance for major mixed-use developments providing multiple new homes, and may be available whether you are a sole trader, limited company or LLP. Property Development Finance includes a wide range of solutions.

Redevelopment Mortgages

Redevelopment Mortgages may be available for homes that are basically habitable but may require extensive modernisation.

Refurbishment Bridges

For light and heavy refurbishments, you might want a 'Refurbishment Bridge’ finance option, which funds 6–24 months of building costs and may include the option to convert into a mortgage once work is complete and signed off.

Property Development Loans

Property Development Loans are a type of short-term lending to finance a renovation or refurbishment of a property. It can cover three types of projects.

These are:

  • Small-scale loans to cover light refurbishment
  • Lending to cover renovation and major conversion projects
  • Funding for ground-up development, starting with an empty plot of land

50 – 60% of the site/property value can be advanced with additional stage payments available throughout the build at intervals agreed at the offer stage. Loan terms are flexible from 1 – 12 months and arrangements with no monthly interest payments may be available.

Loans are also available to fund up to 100% of the development costs.

Major development funding

For more extensive projects and ground-up developments, you may need a more complex finance arrangement.

Funding is often sought by those who already own land, and who will offer it as security to raise funds to cover both land purchase and building costs.

However, experienced developers may be able to secure partial funding for the purchase of land as well as development costs.

Lenders can provide up to 60% of the Gross Development Value or GDV.

Lenders may expect at least 40% equity of the GDV to be funded by the client with the acquisition of the site. Funding will then be provided on a phased basis to cover the costs of development or redevelopment. Very large multi-unit block developments may require pre-sale of each phase before funding can progress to the next stage of the project.

Lending arrangements can include a roll-up of interest and associated costs into the loan, which would be paid off once the development is sold.

Why you need Rangewell to find finance scaled for your projects

Not all types of deals may be suitable for all circumstances, or for all prospects.

Knowing the most suitable types of funding can mean saving valuable time as well as reducing costs. At Rangewell, we work across the property development sector, and can work with you to understand your needs and the potential of your project.

Then we can suggest the most appropriate ways to provide the funding you need

Getting the property finance that is right for you

Finding the right lender for your development projects can be crucial to its success and profitability. That’s why it is important to speak to the Rangewell team without delay. It means getting the support of an expert team with personal experience both of development and the challenges you face, and in finding the financial solutions for them.

We can help with a range of property funding, including:

We can discuss your objectives, and help find answers scaled to fit your business as it grows. When you call us, we can explain your funding options – and find you the solutions you need fast.

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Lending to suit your project
    Property development lending can be arranged to suit most kinds of project, from refurbishing run down property to ground up building.
  • Suitable for all types of property
    • Residential, commercial and mixed-use development • Conversion and refurbishment • Planning gain transactions • Part built development refinance
  • Raise money on existing property
    Experienced developers can also use property they already own to secure lending. With enough equity in your portfolio, you can get development finance to buy, improve and convert more properties without needing cash.
  • Staged funding
    It is common to release funds in stages as each phase of the development is completed and can be signed off. This can help reduce costs, as interest is not payable until the funds are released and drawn down.
  • Funding based on your needs
    Money can be released in stages and repayments deferred until you sell the property, or secure a commercial mortgage based on the final valuation after work has been completed.
  • Scaled for your needs
    Small refurbishment loans can be available for under £20,000, while for large projects, sums of £15million or more can be arranged.

Download Rangewell’s free and detailed guide to Property Refurbishment Finance

What types of property finance are there - which do you need?

Refurbishment or development?

Why not all providers are equal - finding the one that’s right for you

How we can help you pay less than 0%

The downsides to property finance- and how to avoid them

How to arrange property finance - What paperwork do you need?

Key terms explained

What is the difference between heavy refurbishment and light refurbishment projects?

Do property developments companies wishing to use property development or property refurbishment finance have to adhere to building regulations?

 Are there exit fees or early repayment fees associated with this type of finance?

Can commercial mortgages be used for residential property?

Does a property developments company/individual property investors require an experienced team/experience to quaify for property finance?

Is there a maximum borrowing limit, regardless of the value of the property? 

Does property require planning permission to be eligible for finance?

Do I need a registered office and does it need to be registered in England and Wales to apply for property finance?

What does it mean that my home may be repossessed if I default on a mortgage or any other debt secured on it? 

Is Refurbishment Finance classed as short-term finance?

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Lending secured on your propertyYour property may be at risk if you are unable to make the repayments on a refurbishment loan.
Staged payments require verificationWork must be completed to an independent valuers satisfaction before each staged payment can be released.
Short-term commitmentRefurbishment loans are for the short term. If you are unable to repay, by either selling the property or arranging alternative finance, your property may be at risk.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.