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Residential Development Finance

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Residential Property Development Loans for Your Next Project

At BLG, we provide residential development finance for property developers and brokers across the UK. We support projects of all sizes, lending between £1,000,000 – £15,000,000 with flexible funding solutions.

As experienced residential development finance lenders, we help developers overcome the challenges faced with high-street banks, offering a relationship-led finance approach for residential property development.

Lending Criteria
How We Lend

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    Providing Developers & Brokers with Finance for Residential Developments

    Stretch Senior Development Finance

    Loans up to 85% of costs (90% including rolled-up interest), from £1,000,000 to £15,000,000. Our most popular finance solution developers.

    Learn About Stretch Senior Finance

    Build To Let Development Finance

    Funding for letting/private sector rental for professional landlords. Available for schemes with 3+ units. Lending up to 70% open market value or 75% restricted investment value.

    Learn About Build To Let Finance

    Mezzanine Development Finance

    BLG does not provide standalone mezzanine finance, we work with a focused panel of mezz providers who may offer additional top-up facilities for your property developments.

    Learn About Mezzanine Finance

    Our Residential Development Funding Products

    Student Accommodation Development Finance

    Specialist development funding loans to help you build or convert high-quality student housing. Ideal for developers targeting key university cities.

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    Ground Up Development Finance

    Targeting a new-build project? Get tailored funding for residential or commercial schemes starting from land. For experienced or first-time developers.

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    Permitted Development Finance

    Fast, flexible finance for converting commercial properties under permitted development rights. Loans up to £15 million, with terms up to 24 months.

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    Senior Debt Development Finance

    Secure the core funding you need to deliver residential, commercial or mixed-use schemes. Scalable loans up to £15 million with flexible terms to match your build.

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    First Time Development Finance

    Straightforward development funding for new and inexperienced developers. Loans up to £15 million, with flexible terms and expert support throughout the build.

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    How to Apply for a Residential Development Loan

    Share Your Project Details And Give Us A Call

    If you’re interested in finding out if a development loan could work for you, simply share some details and get in touch. Our team of property finance experts will have a chat with you to see if we can help.

    We’ll Find The Right Solution Together

    Tell us about your project, and using our knowledge and experience, our team will work with you to create a customised solution that fits your goals. We’ll also walk you through the process, so you understand the next steps.

    Get A Quick Answer

    We’ll provide you with our heads of terms quickly. If they meet your needs, just send us a full application to proceed. From there, a credit review will take place, leading to an offer backed by our commitment.

    Funds Are Released After Due Diligence

    Once our verification process is complete (typically 6-8 weeks depending on the complexity), you can expect to receive your funds. Now you can get back to what you do best while we take care of the financing.

    Choose BLG as Your Residential Development Finance Lenders

    Get in Contact Today

    Our team of residential development finance lenders are on-hand to discuss your next project. Share your plans with us and we’ll guide you through our funding process and help you find the right loan.

    Contact Us
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    Or if you have a relationship with one of our team members, visit our Meet the Team page to source their contact details directly.

    Finance for Residential Developments – Key Benefits

    • Loans from £1 million to £15 million+
    • Funding released in stages to match build progress
    • Stretch senior options with high loan-to-cost availability
    • Fast, pragmatic decisions so you can secure sites quickly
    • Available to developers, housebuilders and intermediaries
    • Support for both experienced and first-time developers

    Our team will structure a bespoke solution to help you maximise returns and deliver your project with confidence.

    Residential Development Finance FAQs

    What Is Residential Development Finance?

    Residential development finance is a short-term funding solution used to purcahse land and fund the construction or conversion of residential property.

    What Can Residential Development Finance Be Used For?

    Our residential property development finance solutions can be used to fund:

    • Ground-up residential developments
    • Conversions and refurbishments
    • Mixed-use schemes with a residential element
    • Eco-homes and modern housing projects
    • Build-to-let and private rental developments

    Funding can be structured to cover land acquisition, build costs or both, with staged drawdowns aligned to your construction programme.

    We also provide top-up finance and refinancing solutions for existing residential development loans, including support for professional build-to-let landlords.

    How Are Residential Development Loans Repaid?

    Residential development finance is usually repaid in one of three ways:

    1. Sale of completed units, using sales proceeds to repay the loan
    2. Refinancing onto a buy-to-let mortgage for rental projects
    3. Development exit finance, providing extra time to market and sell completed units

    We work with you from the outset to ensure a clear and realistic exit strategy is in place.

    How Quickly Can Finance Be Arranged?

    As specialist residential development finance lenders, we aim to make decisions quickly so developers can secure sites and start building without delay.

    Can I Refinance an Existing Residential Development Loan?

    Yes, we can provide refinancing or top-up finance for qualifying residential development projects.

    WHAT OUR CUSTOMERS SAY ABOUT US

    "A challenging site like no other with every inch of the plot being built on and 12 apartments built-out through a driveway 2.5m wide off of a main high street with limited access rights, not to mention all the complexities associated with 13 Party Wall Agreements. Most lenders would not have had the vision for the scheme or the confidence in Spiller Builders to build out the scheme.  I just wanted to say how helpful the entire BLG team have been during the build.

    “We have used BLG for development finance for over 8 years. During that time we have found their knowledge and expertise in the property development industry to be second to none. Their loan process, pragmatic and flexible approach to lending and flexibility when required has supported our business needs throughout the period and provided us with support to deliver new homes in Bristol and the surrounding areas.”

    “As property developers you never know the curve balls that you may get and a project that is great on paper may prove a bit more tricky.  This happened to us on a project that BLG have funded and throughout they have supported us.  Our business likes to be collaborative and when we hit those tough moments it really felt like we were working as a team with BLG.  If you have a decent project you can get it funded, but what you really need is a business that is there to support and advise you as well.  For us on this project it was BLG.”

    “I approached BLG Development finance with an opportunity I had in Chesham, Buckinghamshire, to build 5 new build houses in 2021. My main contact was Anil Bains who is a Director covering Asset Management. Within very quick timescales, BLG provided me with indicative quotes in regards the finance levels they could offer me. Having considered those levels, I requested a valuation to be carried out which again was dealt with swiftly. We proceeded to completion. The build went very smoothly with monthly monitoring being carried out by BLG.“

    "From our side it has also been a pleasure working with BLG and the team there. We have found you easy to deal with, proactive in resolving any minor issues that have arisen through the project and shown great flexibility in working with us as a partner. We will certainly like to work with you on future partners."

    “I really appreciate your hard work. We really like the way you communicate & I must say I haven't seen many people who are that approachable.”

    “A very efficient processing team, dealing with the DD once deal credit approved, through to completion”

    “Many thanks for your efforts on this one and getting it approved and sorted so swiftly, very much appreciated. I am sure I will be speaking to your over the coming months.”

    “We had other funding options, but chose to use BLG again, as we work well with the team, who always provide very clear information and advice with a friendly approach throughout the funding process. Very efficient and always very helpful.”

    “Many thanks Anil, it’s been a real pleasure working with BLG so far.  We’re lining up the next project too”

    “We would recommend all staff we have dealt with at BLG, as we are very satisfied with the team and the initial offer/terms presented, then you and the funding team, through to the draw down team at valuation stage.”

    “All documents are clear and the way you keep clients informed, all the way along the funding process, is refreshing for us”

    “With regard to what should be improved at BLG, we work with many lenders in our business and we do not get the help and response we have had on the two projects with all at BLG on our funding for our developments.”

    “We would particularly mention Dave Edwards and Tom Pitts as being central to having a smooth working relationship and being positive and helpful at all times. Their guidance in helping us navigate the project from inception to completion was invaluable. As was their patience, particularly at the beginning. We look forward to many future projects with the BLG team.”

    “We would like to express our appreciation for your support on our development in Bristol. We were very pleased that, from the outset, you shared our vision of the project to convert a dated but classical building, that had outlived its usefulness as a school, into unique luxury apartments with views overlooking the city. We found our dealings practical and streamlined. Monthly payments were processed in an efficient and timely manner.”

    “BLG are very good at communicating with clients and all documents are very clear and all at BLG are always happy to help.”

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