Development Finance

Expert funding for residential construction and refurbishment across Staffordshire, Cheshire, and Shropshire.

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Ground Up Development

Ground-UpConstruction

Whether you are building new residential units from a plot with a single dwelling to a site with 20+, our development finance is ideal for you. We typically focus on projects in and around Stoke-on-Trent and surrounding areas.

Up to 100% Loan to Costs (including land, build, and professional fees).
Staged drawdowns as the project progresses.
Terms from 6 to 24 months.
Interest rates from 1% per month.
We only provide facilities exclusively to Limited Companies and LLPs.
Extensions

PropertyExtensions

Expand the footprint of your investment property alongside refurbishments.

Ground-floor extensions, multi-story additions, and structural expansions.
Interest rates from 1% per month.
We only provide facilities exclusively to Limited Companies and LLPs.
Internal Refurbishment

InternalRefurbishment

Access quick, specialised funding to modernise existing spaces and improve the quality of your residential portfolio.

Kitchen and bathroom refits, internal remodeling, and cosmetic upgrades.
Interest rates from 1% per month.
Residential refurbishments and Mixed-Use property upgrades.
We only provide facilities exclusively to Limited Companies and LLPs.

Typical Facility Summary

  • Loan to Value Up to 75%
  • Interest Rate 12% per annum
  • Arrangement Fee From 0.5%
  • Valuation Report £500 - £1,500
  • Lender Legals £1,800 - £3,000

All figures are subject to project specifics, experience, location, underwriting, etc.

Rates& Terms

Our transparent approach ensures you understand the costs associated with your facility from day one. We connect developers with a broad network of property and finance resources to help your project thrive.

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Run the Numbers

See instantly what your development could cost — and whether it stacks up.

£
£
£
£
Up to 100% Loan to Cost
months
6 - 36 Months
% pcm
Typically 1.0% to 1.5%
LTV
64.3%
LTC
90.0%
Your Deposit
£50,000
Deal Health
Fee Breakdown
Loan Amount £450,000
Arrangement Fee % £4,500
Valuation Fee £ £800
Legal Costs £ £2,100
Loan Facility £441,600
Exit Fee % £0
Interest (over term) £81,000
TOTAL COST OF FINANCE £97,900
Profit Calculator
GDV £700,000
Land / Purchase £225,000
Build Cost £275,000
Finance Costs £97,900
Other Costs £ £0
TOTAL COSTS £597,900
Est. Profit £102,100 (14.6%)
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Typical Facility Summary

Loan to Value
Up to 75%
Interest Rate
12% per annum
Arrangement Fee
From 0.5%
Valuation Report
£500 - £1,500
Lender Legals
£1,800 - £3,000

All figures are subject to project specifics, experience, location, underwriting, etc.

Important Notes
  • Release of Charge: ~£300 per unit payable to solicitor on exit
  • Early Repayment: Available — interest charged to date (subject to minimum interest rule)
  • USP Guarantee: If approved, you get the rate shown. No bait-and-switch.
  • JV Alternative: Need higher leverage? Apply for our Joint Venture — up to 100% LTC available, subject to a minimum 20% project margin and <80% LTV.

This calculator provides estimates only and does not constitute a formal offer of finance. All loans are subject to status, valuation, and underwriting criteria.