Property Development Finance

Property development finance provides funding for property developers and investors looking to build, convert, or refurbish real estate projects. At Silver Oak Capital, we arrange tailored property development finance solutions in the UK for residential and commercial development schemes.

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Why 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.

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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.


91 Wimpole Street, London, W1G 0EE

What is Property Development Finance?

Property development finance is used to assist property developers and property investors who require funding to build real estate schemes (either ground-up or conversions) of any nature. These loans are secured against the available land and are drawn in line with the business plan and construction schedule of the proposed project. The interest for this loan is not serviced but is instead rolled up on top of the principal amount. The loan is repaid upon practical completion of the project – either through sales proceeds or via refinance. Property development finance is commonly used for ground-up developments, property conversions, refurbishment projects, and large residential or commercial schemes across the UK. If you want to understand the process in more detail, you can also read our guide on how property development finance works.

Our Development Finance Service

Our team has years of experience arranging property development finance loans for residential and commercial projects. We have a surgical approach – whereby we conduct a thorough analysis of the intended project. Based on this and other specific client requirements we then narrow down our choice of lenders to as many as 3 or 4 potential partners and consult with our clients throughout this process. As our client you gain access to our vast network of senior debt, mezzanine debt and equity lenders who can fund projects (commercial or residential) up and down the capital stack. We pride ourselves in not only providing an unrivaled source of finance but also open up relationships for our clients that will benefit them in the long run. Developers exploring funding structures may also find it useful to review different ways to finance new build homes in the UK when planning their projects.

Our Development Finance Application Process

An initial consultation meeting with the client is required in order to obtain all the necessary information on his/her project. We also like to ask our clients what their ideal loan should look like – so that expectations are aligned. A short list of potential lenders can be discussed at this stage. Silver Oak Capital has developed a reputation as a discreet property development finance broker and we ensure all our client information is handled with the highest degree of confidentiality and respect. Following a thorough market review, formal heads of terms are obtained and presented to the client for review and consultation. By utilising our service and knowledge of the European debt market, it allows developers the freedom and peace of mind to focus on their project. Before applying, developers may also want to review the top mistakes to avoid when applying for property development lending to ensure their application process runs smoothly.

How Lenders Assess Development Finance Applicants

The market for property development finance lenders is incredibly fragmented, especially in the UK. There are many lenders who operate in this space in various forms (senior / mezz / equity) which makes for a challenging environment for any developer. Each lender has a unique set of criteria and focus in terms of scheme type, sector and location. The size of the loan is often the first factor to consider as any lender will have a target minimum and maximum loan range. Some lenders specialize in residential, student accommodation, office, build-to-rent or industrial to name a few. Ensuring any potential borrower has a strong track record is of paramount importance to any lender but, fortunately, there are a number of funders we work with who also cater to amateur developers. We have found time and time again that relationships mean everything in this business.

View Some of Our Latest Property Development Finance Case Studies

Purchase and upgrade £21 million office in London

We received a call from a London based property developer who had made an offer on a central London office building with a single tenant. This client had plans to purchase an additional floor and completely upgrade the building to a high spec…

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 support property development 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…