Property Development Finance

Jimmy Baillie - Managing Director

Silver Oak Capital?

  • 300+ Lenders – we have access to the largest network of lenders in the market. This allows us to provide you with independent whole-of-market advice.
  • Transparency – with a foundation based on trust, we will ensure you are kept in the loop with which lenders we approach during the course of our process.
  • Speed of Service – working with property people makes you realise one thing, time is money. We will endeavour to complete your loan in a quick and efficient manner.
  • Long Lasting Relationships – we don’t just arrange a loan on your behalf, we also ensure you have a long term lending partner to work with on future projects.

Request a Call Back

Let’s assist you in securing the property development finance you need to start your next development. We are confident that we could find the best development finance loan for your next project. Enquire with Silver Oak Capital today, and let’s set up a time to get a full understanding of your challenges and goals.

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91 Wimpole Street, London, W1G 0EE

Our Property Development Finance Service

We were approached by a CEO of a London based Wealth Management firm who needed assistance in acquiring a residential development loan in order to completely demolish and rebuild his primary residence located in Surrey. He had obtained full planning to build his dream home on the site and had made arrangements to rent an adjacent property for a period of 18 months during the build period. The build cost amounted to £2 million.

What Is Property Development Finance

Property development finance mainly involves funding a construction project with debt secured from one or more lenders. When a developer buys a piece of land and goes on to obtain planning permission to build several houses on the site – they will usually require some form of debt to help fund the construction costs. The UK is a rich and competitive market for development finance and there are dozens of lenders all specializing in different loans and focusing on different property project types. The lender will take a legal charge over the site or project and the borrower will pay off the full lump sum once the project is sold post-construction.

Property Development Finance Process

The process of obtaining property development finance for any borrower will initially entail a fact-finding process regarding the borrower and the particular construction project needing funding. The advisor will then collate this information and make an educated assessment on which lenders are most appropriate and will look to approach two or three of them at most. Approaching too many lenders at once can work against the borrower and can devalue the deal. The broker will then present the results to the borrower in a concise manner and discuss the positives and negatives of each deal ensuring the client has all the info they need to make a decision.

How Lenders Assess Property Development Finance Applications

Lenders will look favorably upon property development finance applications that are properly packaged by the broker or advisor. By this we mean the deal is properly researched and proposed to the lender in a clear and concise manner. All of the detail the lender needs to evaluate a deal should be provided to allow them to make a proper assessment of the project and the loan amount required. This detail will contain info about the borrower, their track record and experience in the market, and the project being built. Providing all this info upfront will ensure a strong start to the application process and give the lender confidence in dealing with a new borrower for the first time.

View some of our latest Development Finance Case Studies

Country Estate Refinance

Development Finance – We were approached by a professional introducer based in Monaco who needed help finding a suitable private bank to refinance some existing debt secured on a large estate in the English countryside. There was some expensive short term debt…

Development Loan for Student Conversion Cardiff

The team at Silver Oak Capital calls London home but we finance projects of all types up and down the UK. This particular enquiry involved the need for a development loan to convert a vacant office block in the centre …

NW London Bridging Loan

We were approached by a developer who was in the final stages of completing the construction of a luxury residential development in North West London. It consisted of 25 apartments. The developer had done little marketing given the state of the luxury residential market…