Property development finance is a short-term loan for residential property developments, such as construction projects, and is usually advanced as a loan towards land purchase and a loan in stage payments for development costs in converting a property into flats or HMO’s.

How Does Property Development Finance Work?

What would be an acceptable project?

We will consider property development or refurbishment that is predominantly residential in terms of the finished product. This could be the purchase of a property to convert into flats, bed sits or HMO’s or a new build apartment or housing scheme.

Who Qualifies for Property Development Finance?

Experience relating to the project will help any application but isn’t always a requirement if you have an experienced professional team in place to carry out the works.

Facility Size?

£100,000 to £2,500,000.

Loan to Cost?

BiG will provide a facility of up to 70% of the cost of the project, costs including;

  • Purchase or Value of the property
  • Purchase costs (stamp duty; introduction fees; legal cost etc.)
  • Design Team Fees (architect; engineer; planning; warranty; insurance; S106; Surveyor; building regs. etc.)
  • Construction/Refurbishment
  • Sales & Marketing (agents; brochure; show house etc.)
  • Finance (Fees and interest for the loan)


We will consider providing property development finance for suitable locations anywhere in England and Wales.


4 months to 3 years. We will always allow a minimum of 3 months extra to a facility period from the anticipated cash flow to allow for any unexpected delays.

How Do I Apply For a Development Finance Loan?

Simply complete our online application form (see form below) and one of our Sales Representatives shall be in touch with you shortly.

Do you have any examples of how to finance property developments?

See some of our Development Finance Case Studies.

Development Finance Enquiries

  • (Including size and mix of units)
  • (The amount you wish to borrow)
  • (Period of time to pay back your loan)
  • (please include basis of Valuation)

Development Finance Questions?

Please get in touch…