Development Finance
in Fleet

Ground-up development requires a lender who understands construction risk — from contractor procurement and build programme management to monitoring surveyor requirements and staged drawdown mechanics. The right development finance facility aligns draw schedules with your cost plan, ensuring cash flow matches build progress without unnecessary interest carry.

Lender appetite for development finance varies significantly by scheme type and location. Purpose-built residential schemes with strong pre-sale evidence typically attract the keenest pricing, while more complex mixed-use or phased developments may require specialist funders who take a more nuanced view of construction and sales risk.

We structure development finance facilities that account for the practical realities of construction: weather delays, planning condition discharge timelines, and the gap between practical completion and legal completions on unit sales. Getting these details right at the outset prevents costly renegotiations mid-build.

Planning in this region can be complex, with conservation areas, Green Belt restrictions, and robust local opposition adding time and cost to consenting. However, high exit values mean that lenders are often willing to offer favourable terms for well-located sites with deliverable planning. The Build-to-Rent sector is particularly active, with institutional capital increasingly targeting outer London and key South East commuter hubs.