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Property development finance

Property development and property investment demands special financial knowledge and we work with a specialist team. Our specialists understand the potential and the pitfalls of property development. So you can count on their vast knowledge to assess the viability of a particular project, and to identify the best funding options.

Property development finance lies at the core of every successful property development project. With your finance in place you can devote all your energies to the smooth running of your construction project. 

Our specialist relationships can cater for a wide range of development projects, including:

  • Refurbishment loans
  • Conversion loans
  • Housing development loans/ New build schemes
  • Mixed residential and business property finance
  • Bridging loans.

Initial information required:

  • Location of project and type of development
  • Purchase price, build costs and GDV (gross development value)
  • Loan facility required.

How does property development finance differ from a commercial mortgage?

Property development loans are a type of short-term lending that allows a developer to finance renovation or refurbishment of a property.

You must be able to demonstrate very strong credentials to secure a loan, having one or more of the following:

  • A proven record of successful developments in the past
  • Already own the land and have planning permission
  • Can show that the development will service a strong rental demand where the building is speculative.

Property development finance tends to have higher set-up fees than commercial mortgages. Money can be released in stages and repayments can be deferred until such time as you sell the property, or secure a commercial mortgage based on the final valuation after work has been completed.

You may be able to get a commercial mortgage that will lend on property development. However, the distinct advantage of a specialist short-term loan is that you may be able to get the funds you need quicker, over a shorter term (where the loan is easier to redeem if you intend to develop and sell).

Commercial loans and most property development solutions are arranged by introduction to a specialist broker. All of our clients receive a personal service, which can be adapted to their individual needs.

Commercial loans are not usually regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 

Call Blackstone Financial Solutions today on Bristol 0117 403 0097 to discuss your needs. 

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