Smart Funding, Real Results

Development Finance: Building Your Vision, Backed by Pinks

At Pinks Asset Finance, we understand that turning a property project from blueprint to building requires more than just ambition—it needs the right financial support.

Whether you’re constructing new developments, converting existing structures, or undertaking significant refurbishments, our development finance solutions are designed to provide the capital you need, when you need it.​

What Is Development Finance?

Development finance is a short-term funding option tailored for property developers and investors. 

It’s commonly used to finance the purchase and construction costs associated with residential or commercial property projects. 

Unlike traditional loans, development finance is typically released in stages, aligning with the progress of your project.​ 

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Traditional Bank Loans

Key Features of Development Finance

  • Flexible Terms :

    Loan durations typically range from 6 to 24 months, depending on the project's scope and timeline.​

  • Staged Funding:

    Funds are disbursed in tranches, corresponding to specific phases of the development, ensuring you have the capital when it's most needed.

  • ​Interest Structure:

    Interest is often "rolled up," meaning you won't make monthly interest payments. Instead, both the principal and interest are repaid at the end of the loan term.​

  • Security:

    Loans are secured against the property being developed, and lenders may also require additional security or personal guarantees.​

How does it work?

  • Application:

    Provide details about the property, development plans, projected costs, and your exit strategy.

  • ​Assessment:

    Lenders will evaluate the project's feasibility, including planning permissions, cost breakdowns, and your development experience.​

  • Valuation:

    An independent surveyor assesses the property's current value and the anticipated Gross Development Value (GDV).​

  • Funding:

    Upon approval, funds are released in stages, with each tranche contingent on project milestones and surveyor inspections.​

  • Repayment:

    At the end of the term, repay the loan through the sale of the developed property or by refinancing into a longer-term mortgage.​

Costs to Consider

  • Interest Rates:

    Generally between 0.6% and 1.5% per month.​

  • Arrangement Fees:

    Typically 0.5% to 2% of the loan amount.​

  • Exit Fees:

    Around 1% of the loan amount, payable upon repayment.​ Additional Costs: Valuation fees, legal fees, monitoring surveyor fees, and other associated expenses.​

  • Additional Costs:

    Valuation fees, legal fees, monitoring surveyor fees, and other associated expenses.​

Why Choose Pinks Asset Finance?

  • Expert Guidance:

    With years of experience, we understand the intricacies of property development financing.​

  • Tailored Solutions:

    We work closely with you to structure a finance package that aligns with your project's needs and timelines.​

  • Streamlined Process:

    From application to funding, we handle the heavy lifting, allowing you to focus on bringing your project to life.​

Let's Build Together

Ready to turn your property vision into reality?

Reach out to Chris at Pinks Asset Finance, and let’s discuss how we can support your development ambitions with the right financial foundation.​

Speed:

Funds can often be arranged within 24 to 48 hours, making them ideal for time-sensitive situations.​ 

Flexibility:

Bridging loans can be tailored to your specific needs, with options for interest roll-up, deferred payments, and more.​  

Accessibility:

With less stringent criteria than traditional loans, bridging finance is accessible to a wider range of borrowers, provided there’s sufficient equity in the property used as security.​clude maintenance, saving you more dosh and downtime.

Sounds Like a Lot of Work?

It can be. And that’s exactly where Pinks steps in.

Have a chat with Chris—he’ll take the stress out of it all. He’ll do the boring, box-ticking, spreadsheet-surfing stuff for you, then come back with a clear, no-nonsense summary of your best options.

No pressure. No jargon. Just honest, expert advice to help you make the right move for your business.

Is Development Finance Right for You?

Experienced developers seeking to fund new builds or major refurbishments.​ 

Investors looking to convert properties into residential or commercial units.​ 

Projects where traditional financing options may not be viable due to the property’s current condition or lack of income generation.​

UK residency.​  

 

A clear and viable exit strategy, such as property sale or refinancing.​

 

Adequate experience in property development or a strong project team.​

 

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