Insights

How the UK development finance market actually works.

Short, practical notes on pricing, structuring and getting funder-ready — written for developers who want to negotiate from an informed position.

Pricing

UK development finance rates explained: what actually drives your pricing

How lenders price UK development finance — margins, arrangement fees, exit fees and the leverage and exit factors that move your all-in cost of capital.

6 min read

Structuring

Senior, stretch senior and mezzanine: choosing the right capital stack

A practical comparison of senior debt, stretch senior and mezzanine finance for UK residential development, with typical leverage, cost and use cases.

5 min read

Appraisals

What makes a development appraisal funder-ready

The evidence lenders and investors look for in a development appraisal: build cost sources, GDV comparables, cashflow, sensitivity analysis and exit strategy.

5 min read

Refinancing

Refinancing out of development finance: when, why and how it works

How and when to refinance out of a development facility — onto a term investment loan, a buy-to-let portfolio or a bridge — and what lenders look for at exit.

6 min read

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