Development Finance

Provide your clients with the ultimate flexibility when it comes to financing a development project. Whether it’s a light refurbishment or a multi-million pound development, we’ve got your clients covered!

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Efficient processes

Loans from £25,000+

Ultimate flexibility

Why Choose Our Development Finance?

All Property Types

Up to 90% LTC

Flexible Options

All Applicants Considered

Development Finance Scenarios

We work with specialist lenders that will consider all scenarios, no matter the complexity of the case. There are many situations where development finance is needed, ranging from light refurbishments to ground up developments of multiple units.

See our development finance case studies here.

Residential Development

For your clients starting a project from the ground up e.g. single houses, multiple houses, apartment blocks

Conversion

From commercial to residential e.g. the conversion of an office block into apartments

Development Exit

For your clients wanting to release capital on completed projects for cash flow or funding for their next project

Commercial Development

Suitable for funding development projects such as offices, retail stores, hotels, medical centres etc

What Our Clients Say

"Excellent service with great communication throughout the process. This is the 2nd time we have used Crystal and would recommend to others."

Tim Lymn

"The team were very knowledgeable and really helped my client - in spite of some difficult demands! Very approachable team and will definitely use again."

Kieran Cooper

Lending Criteria at a Glance

Loan Amount

From £25,000+

Flexible loan sizes for all property types

LTC

Up to 90%

Competitive loan-to-cost ratios

Term

From 6 months

Flexible terms and repayment options

Property Types

All accepted

Residential, commercial, land, and development

Speed

Quick Decisions

From application to completion

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

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Development finance FAQs

Development finance is used to fund property projects, including land purchase, refurbishments, conversions, and ground-up developments. It is typically structured around the cost of the project, the value of the completed scheme, and the route out at the end. For brokers, the key is understanding that development finance is not one uniform product. The right structure depends on the type of project, the borrower’s experience, and how the lender views the risk.

Yes. Development finance can cover everything from lighter refurbishment work through to larger multi-unit ground-up schemes. The complexity, monitoring requirements, and lender choice will vary depending on the scale of the project. The most important thing is to present the project clearly, including the scope of works, timescale, budget, and expected end value.

Yes, first-time developers can be considered, although lender choice may be limited. Lenders will want to understand who is involved in the project, how realistic the plan is, and whether the wider team around the borrower gives confidence. That might include the contractor, professional support, the quality of the appraisal, and the amount of contingency built into the deal.

Development exit finance is short-term funding used when a project is complete or near complete, but the developer needs more time to sell or refinance. It can reduce pressure at the end of a project and, in some cases, lower the monthly cost compared with staying on the original development facility. It is particularly useful where the build is done.

Yes, land with planning is a typical development finance scenario. Appetite will depend on the planning position, the type of project, the borrower’s profile, and how the numbers stack up. Cases involving land tend to live or die on the quality of the information, so it helps to set out the planning status, proposed build, costings, and exit clearly from the beginning.

Most development finance enquiries need more than a simple headline loan request. Brokers should usually expect to provide the project overview, loan requirement, schedule of works, planning position, experience level, timescale, cost breakdown, and estimated gross development value. The clearer the application, the easier it is to judge lender appetite and avoid wasting time on structures that do not fit.