Development Finance Broker

Property Development Finance

Property development finance is designed to facilitate the construction, conversion, or heavy refurbishment of buildings. Development loans enable you to take on larger or multiple projects at once, while maintaining a healthy cash flow. Funding can be used towards private dwellings, mixed use, or commercial projects. The loan is designed to assist with the project only during the build. Once the project has been built out, the loan is usually repaid through the sale of the property, or refinance. Funding is ideal for property investors, landlords and developers.

Types of Development Loans

There are a number of different projects that development finance can be used for, including:

  • New builds, including land purchase
  • Conversions and restorations
  • Renovations and refurbishment
  • Development exit funding


These can be for commercial, semi-commercial or residential developments, and for single or multiple units. When considering a new project, you’ll also need to acquire all the relevant planning permissions and comply with building regulations.


Light vs Heavy Refurbishment

You’ll often need to speak with a property finance broker to work out whether your project falls under light or heavy refurbishment. In general, light refurbishment is limited to mainly aesthetic improvements to a property, while heavy refurbishment usually involves structural changes. A new kitchen, windows, or central heating installation will fall under light work, while extensions, electrics, and rebuilding counts as heavy.

How much funding can I get?

Once you’ve found a site and have planning permission it’s time to get in touch with a property finance broker to work out the amount you can borrow. The funding will be determined by land and development costs, lender fees, and professional costs. Development loans also usually include contingency costs at 15-20% which are set aside to cover unforeseen expenses. In general, we can secure loans of up to 100% of development costs and 70% gross development value.

Alpha Capital is a Commercial Finance Broker and not a Lender.

Alpha Capital is trading style of Alpha Capital & Debt Advisory Services Ltd, Company Number: 12557280.

Alpha Capital and Debt Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 988370 and this can be checked by visiting Our registered address is Unit 3, 1st Floor, 6-7 St. Mary At Hill, London, EC3R 8EE. Company number 12557280.

We may receive payment from the finance provider should you decide to enter into an agreement with them.