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Development finance is a specialist form of short-term, secured lending used to pay for building, refurbishing or converting property. Unlike a conventional loan, lenders base their decision largely on what the finished scheme will be worth rather than the site's current condition, which allows developers to fund projects that would not qualify for a standard mortgage.
It is typically used for ground-up residential and commercial schemes, conversions and refurbishments, multi-unit housing and mixed-use developments. Because these deals are complex, they need careful structuring to make sure the project can be delivered and the loan repaid.
Specialist brokers and advisers in this field usually work across bridging finance, mezzanine funding, joint ventures and senior debt. Their role goes beyond introducing lenders: they package and present deals, manage relationships with several funders, advise on structure and risk, and help developers build credible proposals. This matters because lenders scrutinise the developer's experience, the exit strategy and the overall viability of the scheme.
Many such brokers belong to the National Association of Commercial Finance Brokers (NACFB), which is widely regarded as a mark of quality. Members must hold professional indemnity insurance, be registered for data protection and show a track record with recognised lenders. Many are also encouraged to obtain Financial Conduct Authority permissions.
The article stresses that much development finance, especially for investment property, commercial schemes and buy-to-let, is unregulated. Regulation generally applies where the borrower will live in the property, with at least 40% used as a main residence. Developers are advised to confirm whether a loan is regulated before proceeding, so they understand their legal protections and the risks involved.
Originally published on The Landsite (8 April 2026)
