About developing.fund
The only specialist
development finance
broker online
Every other broker does bridging, BTL, mortgages and development finance as a sideline. We do one thing — and we do it properly.
Who We Are
Brokers, not lenders
Funding Developers Ltd (Company No. 09221311) operates developing.fund — a specialist development finance brokerage focused exclusively on property developers.
We are independent. We don't have our own lending book. We don't have target products to push. Our only job is to find the best possible funding structure for your specific project — from our panel of 110+ specialist development lenders, family offices, mezzanine providers and equity partners.
We also operate bridging.fund — our sister brokerage for specialist bridging finance. Together, we cover the full spectrum of short-term property finance.
Our clients range from first-time developers building a single house through to PLCs developing 34-storey residential towers. Every project receives the same level of expertise, attention and care — because in development finance, the detail always matters.
30+
years of combined experience in development finance
2,000+
homes funded across the UK and Crown Dependencies
£68.6m
largest single facility arranged
110+
specialist lenders on our active panel
What We Actually Do
We don't just find you a lender —
we structure the deal
Most brokers send your details to a lender and hope for the best. We take a fundamentally different approach.
We understand your project — the site, the planning, the build programme, the risks, the exit strategy. We model the appraisal — a full development cashflow with sensitivity analysis, cost breakdowns, and profit projections. We then write the business plan and present the borrower and the deal in the best possible light.
This isn't a cover letter and a set of plans. It's a lender-ready, institutional-standard presentation that gives the funder confidence — which is how we secure not only their commitment, but the best available pricing.
Understand
We get to grips with your project through a conversation — not a fact-find form. Site, planning, numbers, exit.
Model
Full development appraisal and cashflow model. Sensitivity analysis, contingency stress-testing, SDLT calculations.
Structure
Senior debt, mezzanine, equity — whatever the project needs. Assembled as one coordinated capital stack.
Present
A compelling, institutional-standard presentation to our lender panel. Business plan, strategy, and full borrower profile.
Negotiate
We don't accept the first offer. We negotiate terms, fees, drawdown mechanics, and conditions to get you the best deal.
End-to-End
From site acquisition to exit
Most brokers handle one transaction. We think in project lifecycles — structuring funding for every stage of your development journey.
Site Purchase
Bridging finance to secure the site before planning. Fast, flexible, and structured with the development exit in mind.
Development Finance
Senior debt, mezzanine, equity — the full capital stack structured as one coordinated package. We write the appraisal.
Construction
Monitoring, drawdowns, cost overruns, programme changes — we stay with you throughout the build. Problems solved, not escalated.
Sales & Refinance
Dev exit finance, stabilisation funding, investment refinance — we structure the cleanest route out of your development loan.
Equity
Equity
Mezzanine
Debt
We structure the optimal mix for your project
Capital Stack
The whole stack,
not just the senior
Most brokers stop at senior debt — leaving you to find your own mezzanine and equity. We structure the entire capital stack as one coordinated package.
Senior debt, mezzanine, preferred equity, JV co-investment, forward funding — assembled together with aligned intercreditor terms, synchronised drawdown mechanics, and a single coherent cashflow model.
The result: lower equity requirements, higher ROCE, and the freedom to run multiple projects simultaneously. Our largest structured stack to date: £68.6m across three layers — senior, mezzanine, and equity — for a 34-storey residential tower.
Specialist Sectors
Beyond standard residential
We fund the projects most brokers can't touch — because we understand the sectors, the valuations, and the exit strategies.
High-Rise Towers
Concrete-frame construction, BSR Gateway 2/3 compliance, phased completions, and Section 106 obligations. We've funded 34-storey towers and 24-storey PBSA schemes.
C2 Extra Care
Specialist operational asset class with fundamentally different valuation methodology. We understand CQC requirements, forward funding to housing associations, and the care-standard specifications lenders need.
PBSA
Purpose-built student accommodation valued on net operating income, not comparable sales. Forward commits to REITs, institutional specifications, and yield-driven GDV calculations.
Affordable & Social
Forward funded by registered providers, Homes England grant, tripartite working capital structures. We navigate RP covenants and the Regulator of Social Housing requirements.
Crown Dependencies
Jersey, Guernsey, Isle of Man — each with distinct legal systems and limited lender appetite. We have established relationships with specialist Crown Dependency lenders.
Commercial Mixed-Use
Ground-floor A1/A3 with residential above. Dual valuation methodology, pre-let strategies, and lenders comfortable with the commercial risk element.
First-Time Developers
Everyone starts somewhere
Most brokers won't touch first-time developers — and the ones who will don't prepare them properly. We've built a dedicated content hub for developers doing their first project, because we believe the difference between a first deal falling apart and succeeding is almost always the quality of the preparation.
We package your experience — construction management, project oversight, professional qualifications — as equivalent track record. We appoint the right professional team, build the appraisal conservatively, and present the application to lenders who actively support new developers.
Our first-time developer clients have gone on to complete second, third, and fourth schemes — returning to us each time with a stronger track record and better terms.
Getting Started Guide
What lenders actually look for, how to structure your first application, and the professional team you need around you.
Common Mistakes
The errors that kill first-time applications — and how to avoid every one of them before you even pick up the phone.
What to Expect
A realistic timeline from first conversation to drawdown. No surprises, no hidden steps, no ambiguity.
Pre-Application Checklist
Everything you need before approaching a lender. Get this right and you're already ahead of 90% of applications.
Transparency
We publish what it costs
The development finance industry thrives on opacity. Hidden fees, vague terms, and surprises at completion. We think that's wrong.
Interest Rates
Typical ranges by deal type and risk profile. What drives the rate up, what brings it down, and where the market sits today.
Arrangement Fees
Lender fees, broker fees, and what's negotiable. We tell you upfront what we charge and what the lender will charge.
Professional Costs
Valuation, monitoring surveyor, legal fees — the costs that catch developers off guard. We break them all down.
Exit Costs
Redemption fees, exit fees, early repayment charges. The costs nobody mentions until completion day.
Case Studies
Real stories,
not just numbers
Our case studies aren't marketing fluff — they're detailed narratives of real projects with real challenges. Every case study follows the same structure: the challenge, the complexity behind it, how we solved it, and the outcome.
We publish the numbers — facility size, LTC, interest rate, finance costs, profit margins — because we believe developers should be able to benchmark their own projects against real data. Not hypothetical examples. Not "indicative" figures. Real deals.
34-Storey Tower
£68.6m
First-Time Developer
£726k
Distressed Rescue
£3.8m
PBSA 450 Beds
£48m
Forward Funded Social
£18m
Extra Care C2
£9.8m
Track Record
A selection of what we've funded
£68.6m
Largest single facility
34-storey residential tower, central London
£726k
Smallest development facility
First-time developer, Isle of Man
£24.5m
Largest bridge
Site purchase, 115-unit tower, East London
£276k
Smallest bridge
Quick chain break for site acquisition
280
Most units in a single scheme
34-storey tower development
450
Most PBSA beds in a single scheme
24-storey student tower
200
Largest affordable housing scheme
Forward funded social housing
34
Tallest building funded
Storeys — central London residential tower
Development Appraisal
Run your own numbers first
No other development finance broker gives you a public appraisal tool. We do — because we'd rather you arrived with a clear picture of your project's viability than spent 30 minutes on the phone only to discover the numbers don't work.
Let's talk about your project
No forms, no gatekeepers, no waiting. Tell us about your project and we'll tell you exactly what we can do.