Development Finance
in Bootle

Securing competitive development finance depends on presenting your scheme in the right way to the right lenders. This means a robust cost plan from a credible quantity surveyor, realistic build programme, and achievable GDV supported by comparable sales evidence — not aspirational pricing.

Senior development lenders typically fund 60-70% of GDV or 80-85% of total costs, whichever is lower. Day-one land drawdowns of 50-65% of site value are standard, with construction costs drawn in arrears against surveyor-certified stage completions. Understanding this structure helps you plan your equity requirement accurately.

Interest is usually rolled up (added to the loan) rather than serviced monthly, meaning you don't need to fund interest payments during the build phase. Exit fees, non-utilisation fees, and monitoring surveyor costs should all be factored into your development appraisal from the outset.

Build costs in the North West remain materially below London and the South East, while rental yields are among the strongest in the country. This combination makes the region attractive to both local developers and national operators. Liverpool's waterfront regeneration and the continued expansion of MediaCityUK in Salford are creating significant development pipelines.