How much can I borrow for development?

Typically up to 70-75% of the current value plus 100% of refurbishment costs, or up to 65-70% of the GDV (Gross Development Value).

Do I need development experience?

Not always. Many lenders have products for first-time developers, though experienced developers may access better terms.

What are typical development bridging rates?

Rates range from 0.65-1.5% per month depending on the project complexity, your experience, and the LTV.

How long are development bridging terms?

Typically 6-24 months, depending on the scale of the project. Extensions are usually possible if work takes longer than planned.

Development Bridging Loans

Development bridging loans fund property refurbishment and conversion projects. We connect you with specialist development finance lenders.

Bridging Loans for Property Development

Development bridging loans are short-term finance products designed for property refurbishment, conversion, and small-scale development projects. They're ideal for 'light refurb' projects (cosmetic upgrades, new kitchens/bathrooms) and 'heavy refurb' projects (structural changes, extensions, conversions). Funds are typically released in stages as work progresses.

Light and heavy refurbishment finance available
Funds released in stages as work progresses
Residential and commercial development projects
Experienced developer and first-time developer products
free initial advice development finance advice

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Tell us about the property

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Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Light vs Heavy Refurbishment

Light refurb covers cosmetic work — redecoration, new kitchen/bathroom, flooring, landscaping. Heavy refurb involves structural changes — extensions, loft conversions, reconfiguring layouts, or converting non-residential buildings to residential. Each type has different lender products and rates.

Stage Releases

Development bridging typically releases funds in stages: an initial drawdown for the property purchase, then further releases as specific project milestones are completed. This protects the lender and ensures funds are used for the intended work.

GDV-Based Lending

Some lenders calculate their maximum loan based on the Gross Development Value (GDV) — the estimated value of the property after works are completed. This can allow you to borrow more than the current property value, with the additional funds covering renovation costs.

Exit Strategy

Development bridges typically exit through selling the completed property (flip), remortgaging onto a standard residential or buy-to-let mortgage (retain), or refinancing to a longer-term commercial loan.