Property Development Loan

Fund Your Next Property Development Project.

Property development loans provide tailored funding for building, renovating, or converting properties for residential or commercial purposes.

Benefits

  • Flexible drawdown facilities aligned with project stages

  • Loans for ground-up builds, conversions, refurbishments

  • Specialist lenders with industry knowledge

  • Competitive rates for experienced developers

What Is a Property Development Loan?

A Property Development Loan is a short- to medium-term facility used to finance construction or major refurbishment projects. These loans are tailored to developers building or converting property for resale or long-term investment.

These Loans Typically Cover:

  • Ground-up developments (residential or commercial)

  • Conversions (e.g. office to flats, barns to homes)

  • Heavy refurbishments or structural works

  • Multi-unit or mixed-use schemes

  • Build-to-let or build-to-sell strategies

Unlike standard mortgages, development loans are drawn down in stages — known as tranches — as construction progresses, based on independent valuations.

Why It Matters

Property development offers high returns — but requires substantial upfront capital, careful cash flow management, and experienced funding partners.

The Right Development Loan Helps You:

  • Secure land and build efficiently

  • Protect cash flow with stage-based drawdowns

  • Maximise leverage without overextending

  • Scale faster by funding multiple sites

  • Improve ROI with lender-aligned exit planning

At Matwill, we don’t just find you funding — we help you structure the deal to finish it.

Who Is This For?

Our development loan service is ideal for:

  • Experienced developers scaling projects or unlocking sites

  • First-time or small developers backed by experienced teams

  • Landowners looking to self-build or joint-venture

  • Build-to-let investors creating long-term rental portfolios

  • Investors acquiring underutilised or brownfield land

  • Contractors or architects entering the development space

Whether you’re building 1 unit or 100, we tailor funding to your timeline, scope, and end goal.

How Does the Process Work?

At Matwill Capital, we work closely with developers and lenders to structure intelligent, viable funding from site acquisition to exit:

  1. Feasibility & Lending Review
    We analyse your project, land value, GDV (gross development value), costs, team experience, and exit route.

  2. Lender Selection
    We match you with development lenders who specialise in your scheme size, asset type, planning status, and risk profile.

  3. Loan Structuring
    We structure the loan in staged drawdowns — typically funding up to 70% of land value and 100% of build costs (capped at 65–75% GDV).

  4. Valuation & Monitoring Surveyor Coordination
    We liaise with valuers and MS (monitoring surveyors) to release funds on time and ensure project viability.

  5. Exit Planning
    Whether you’re selling or retaining the asset, we build refinance or sale pathways in advance to meet lender repayment terms.

Client Success Story

9-Unit New Build in Kent Secured £1.7M Development Finance

A developer sourced land with planning for 9 semi-detached homes valued at £4.5M GDV. They needed fast funding for land acquisition and phased construction.

Matwill arranged:

  • £1.7M development loan

  • 70% of land value, 100% of build cost, 65% max GDV

  • 18-month term with 6-month extension option

  • Refinance-to-let option at completion

“Matwill helped us package the deal, manage the surveyor, and plan our exit — it wasn’t just finance, it was guidance all the way.”
— T. Evans, Kent

Frequently Asked Questions

How much can I borrow?
Typically up to:

  • 70% of land/site value

  • 100% of build costs

  • Total capped at 65–75% of GDV

What’s the loan term?
Usually 12–24 months, with extensions available depending on build duration and exit plan.

Are interest payments monthly?
No — interest is typically rolled up and paid at the end of the term or deducted from the loan facility.

Do I need prior development experience?
Ideally yes, but lenders may accept new developers with experienced contractors or project managers on board.

Can I get funding without planning permission?
Yes — bridging-to-development loans can fund site acquisition pre-planning. Higher rates and lower LTVs may apply.

Why Choose Matwill Capital?

  • Access to bank and non-bank development lenders

  • Experience with residential, commercial, and mixed-use schemes

  • Support with cash flow modelling, valuations, and surveyor setup

  • Coordination with legal and project delivery teams

  • Developer-first advice — by people who understand development

Ready to Fund Your Project?

Build It Right. Fund It Smart.
From first plot to final unit, we help you deliver property projects with intelligent, agile finance.