Development Finance

We also provide development finance for residential and commercial developers.

Property development & maximising profit retention, is about having a vision......

It's about understanding the market and turning that vision into a reality, yet often developers have problems getting the finance right, knowing what products are available, which lenders to use can be a major issue and of course having experts involved in the deal to ensure that they maximize profits available on any given project. 

Our team has the expertise, contacts and resources to help you finance your next property development, determine from the onset what will be your exit strategy and most profitable tax strategy......we work with some of the most forward thinking lenders in the industry. 

Talk to our specialist team about how we can help your business for every aspect of development finance that's available. From High Street development loans to specialist merchant lenders offering high loan to values or mezzanine lenders offering top-up money, we can also arrange pre-planning finance to take advantage of land buying opportunities. 

We can arrange residential and commercial developing funding for every type of developer so regardless of your experience we can help however for experienced developers with a proven track record we can offer market beating products. 

We work with High Street Lenders who will lend 75% of the property purchase price and building costs, leaving you to finance the difference, they are some of the most forward thinking High Street lenders in the market. If your development requires higher loan to values then this is where we can make a big difference as we also work with specialist lenders to arrange finance higher than the average deal on the High Street, in some cases going as high as 90% of cost. 

Experienced Developers - Enhanced Residential Development Product

  • £100k – £Uncapped
  • Housing projects in England, Scotland and Wales
  • Most borrower types considered e.g. corporate, onshore/offshore
  • Maximum term 3 years
  • 75% of the Gross Development Value (GDV) up to a maximum 90 – 95% of the loan to cost
  • Lending above 75% LTC subject to enhanced returns e.g exit fee linked to scheme profitability (% GDV)



New Developers or without track record

  • £200k – £5m
  • Housing projects in England, Scotland and Wales
  • Most borrower types considered e.g corporates, onshore/offshore
  • Maximum term 3 years
  • 60% of the GDV
  • Lending above 60% GDV subject to enhanced returns e.g exit fee linked to scheme profitability (% GDV)



To help us to give you a quick response to your enquiry the following information would be useful, however if you are just in planning stages feel free to call us to talk through your project;

  • Location plans
  • Proposed site layout
  • Proposed house types
  • Planning Conditions & copy of planning consent
  • Sales agent's report of recommended selling prices or comparable properties
  • Development appraisal


Cost analysis/ breakdown Cash flow projections Confirmation of existing services A brief background to your experience 

All information will be treated in a strictly confidential manner.

Some forms of commercials lending advice are not regulated by the Financial Conduct Authority

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Heritage Financial Solutions is the trading name of Heritage Business Solutions Limited, who is an appointed representative of In Partnership, the trading name of The On-Line Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

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Approved by In Partnership FRN 192638-April 2024