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At Mortgage Experience, we’ve been supporting property developers for many years. Our funding solutions cover both site acquisition and development costs, with structured finance available to cover total overall project costs.
We understand that developers often have limited upfront capital. That’s why we work to secure a high loan-to-cost ratio — the more experience and contribution you bring to the table, the more favourable the terms.
No need to find monthly interest payments during the build. Costs can be rolled up and settled upon property sale or refinance, easing cash-flow pressure.
Many developers rely on just their bank or a small number of familiar funders. We give you exposure to a wide panel of specialist lenders across the development finance market.
With the right funding in place, you can undertake multiple projects at once and grow faster than you could by relying solely on your own capital.
A development loan is a commercial, short-term facility split into two main parts:
1. Site funding — to purchase or refinance the site if needed.
2. Construction funding — released in stages, aligned with the progress of your development, refurbishment, or conversion.
Both parts are secured against the development site itself. In many cases, additional security (residential or commercial assets) may be used if required.
If you already own the site or it’s sufficiently valued, the site portion may reduce your upfront requirement. Once construction/refurbishment begins, funds are drawn down at agreed benchmarked stages.
Important: Planning permission for the construction phase is generally required. If you don’t yet have planning permission, we can often arrange bridging finance to acquire the land (though these loans will usually have a lower loan-to-value).
1st Charge Lending
A conventional development facility, secured by a first legal charge on the site.
2nd Charge Lending
A supplementary, higher-risk debt ranking behind senior debt. Generally more expensive, but useful for funding top-up portions of your development costs.
1st and 2nd Charge Lending Combined
Combines 1st and 2nd charge terms within the same lender, allowing for a higher advance but with higher rates or exit fees.
100% Funding
When you can offer additional security or collateral, some lenders may agree to fund the entire project cost — land acquisition plus build.
Joint Venture (JV) Lending
On high-demand residential schemes, we can help structure deals with lenders who want to partner directly with experienced developers. This could involve profit shares, equity splits, or blended exit fees depending on the agreement.
If you’re a developer looking to bring a project to life — whether refurbishment, conversion, new build, or large-scale construction — get in touch with Mortgage Experience. We’ll show you what’s possible and help make your vision a reality.
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