Development Finance UK
Development Finance UK — Specialist Funding for Residential, Commercial & Mixed-Use Projects Fast, flexible, and developer-aligned finance for UK construction, conversion, and value-add projects.
Development Finance UK provides structured funding for developers building, converting, or refurbishing property across the UK. Whether you’re delivering a ground-up scheme, converting commercial units, or completing a heavy refurb, Auction360 provides lender-aligned development finance with clear drawdowns, transparent monitoring, and investor-friendly terms.
We support:
- Ground-up residential schemes
- Commercial-to-residential conversions
- Heavy refurb projects
- Mixed-use developments
- Auction-acquired development opportunities
- SPV-structured development companies
Auction360 is built for developers who need speed, clarity, and strategic support throughout the entire development lifecycle.
Why Auction360
- Development-specific lenders
- Fast decisions (24–72 hours)
- Transparent drawdown schedules
- Monitoring surveyor alignment
- SPV-friendly underwriting
- Exit strategy planning
- Auction-aligned speed
- Risk Score™ for development projects
Who This Is For
- Developers
- SPVs
- Conversion specialists
- Portfolio landlords
- BRRR investors moving into development
- International developers
Eligibility & Criteria
- Residential, commercial, mixed-use
- Ground-up or conversion
- Heavy refurb accepted
- SPV required
- Clear exit strategy (sale or refinance)
- UK or international developers
How It Works
- Project appraisal
- Lender alignment
- Valuation & QS review
- Underwriting
- Drawdown schedule
- Monitoring surveyor inspections
- Completion
- Exit (sale or refinance)
Case Studies
Case Study — Developer Builds 6-Unit Residential Scheme
- Location: Kent
- GDV: £1.8M
- Loan: £1.26M
- Build Cost: £720,000
- Exit: Sale
- Outcome: £410,000 profit
Auction360 structured a ground-up development loan with staged drawdowns and QS monitoring.
Case Study — Commercial-to-Residential Conversion
- Location: Birmingham
- GDV: £1.2M
- Loan: £720,000
- Works: £310,000
- Exit: Refinance
- Outcome: £140,000 uplift
Auction360 aligned lender appetite with conversion strategy and exit refinance.
Frequently Asked Questions
What types of development projects can be funded?
Ground-up builds, conversions, heavy refurb, mixed-use schemes, and commercial-to-residential projects.
How much can I borrow?
Typically 65–70% of GDV and 100% of build costs (in staged drawdowns).
Do I need an SPV?
Yes — development finance is almost always structured through an SPV.
Can international developers apply?
Yes — as long as the project is UK-based and the exit strategy is viable.
How are drawdowns released?
Through monitoring surveyor inspections aligned with build progress.
Can I refinance development finance?
Yes — development exit finance or commercial refinance is common.
Do lenders accept heavy refurb?
Yes — structural works, extensions, and conversions are accepted.
What is development finance used for?
Ground-up builds, conversions, refurb projects, and mixed-use developments.
How do developers fund construction in the UK?
Through staged development finance with QS-monitored drawdowns.
What is GDV and why does it matter?
GDV (Gross Development Value) determines maximum loan size and lender appetite.
Is development finance better than bridging for large projects?
Yes — development finance offers staged drawdowns and lower rates.
How do developers exit development finance?
Through sale, refinance, or development exit finance.
What makes a development project high-risk?
Planning issues, structural complexity, weak contractor experience, or unclear exit strategy.
Useful Links
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