Property Development Finance

Get flexible on demand funding for your next project

Find Property Development Finance today

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Our Property Development Finance Options

Commercial Mortgage

New Build Finance

Funding for ground-up construction projects, including residential, commercial, and mixed-use developments.

Property devlopment finance

Refurbishment Loans

Tailored for light or heavy refurbishments, helping you increase property value before refinancing or sale.

Experience

Land Purchase Finance

Provides funding for land acquisition, with or without planning permission, enabling developers to start projects seamlessly.

Property devlopment finance

Stretched Senior Loans

A hybrid solution combining senior debt and mezzanine funding, offering higher loan-to-cost (LTC) ratios for larger projects.

client relationship

Joint Venture Finance

Ideal for developers partnering with investors to fund large-scale developments while sharing the profits and risks.

Mezzanine finance loan

Equity-Based Development Finance

Offers finance secured against existing equity in other properties or developments.

Commercial Bridging Loans

Pre-Planning Finance

Funds land purchases or early-stage project costs while awaiting planning permission approval.

Property Develpment Finances

Self-Build Finance

Designed for individuals or small developers building residential properties for personal use or sale.

Chat with our friendly team today to see what’s possible for your business.

Property Development Finance Tailored to Your Goals

At Reform Financial, we specialise in providing flexible and competitive property development finance solutions for developers, investors, and businesses across the UK. Whether you’re starting a new build, completing a refurbishment, or looking to exit a development project, we’ll help you secure the right funding to bring your vision to life.

What Is Property Development Finance?

Property development finance refers to short to medium term loans designed specifically for funding construction, renovation, and property development projects. From acquiring land to completing final builds, this type of finance helps developers manage costs and timelines effectively.

What is Construction Finance?
Bridging Finance London

Development Exit Finance

Development exit finance is a short-term funding solution designed for developers who need to repay their existing development loans after project completion. This type of finance provides breathing room to:

  • Reduce Costs: Pay off expensive development loans with lower interest rates.
  • Maximise Sales Time: Maintain cash flow while selling completed units.
  • Prepare for Future Projects: Reallocate funds toward upcoming developments.


Key Features:

  • Competitive rates for completed projects.
  • Quick approvals to avoid bridging gaps.
  • Available for single units or multi-property developments.

 

Getting Property Finance with Bad Credit

Struggling with credit issues? At Reform Financial, we believe your financial history shouldn’t stop you from achieving your goals.

Our bad credit property finance provides:

  • Inclusive Lending Criteria: Our focus is on the value of your property or assets, offering solutions even if your credit history isn’t perfect.
  • Fast Access to Funds: We provide quick approvals, ensuring you receive the support you need, even in challenging financial circumstances like CCJs or defaults.
  • Customised Options: We partner with lenders experienced in offering flexible finance tailored to unique situations.


Whether you’re purchasing property, resolving cash flow issues, or refinancing, we’re here to help you overcome financial barriers and seize opportunities.

Our Service to you

At Reform Financial we pride ourselves on our ability to work at pace, over-deliver on our promises, and provide award winning service for all of our clients. We know exactly how hard it is to build a strong, long-lasting business, and how integral healthy cash flow is.

As a broker our service is absolutely free of charge for you to use, so you can get the facts you need to make the best decision for your business. We have spent an incredible amount of time building and nurturing extremely strong relationships with our partners, so you can trust us to connect you to only the very best of the best.

Secure funding for your next project

FAQs

Our job is to listen to your business needs and source you the most appropriate funding. Here’s some reasons why behind every exceptional business is an exceptional broker…

1. Brokers offer expert financial guidance
Over 60% of the clients we work with think they need one type of finance when another type of finance would be much more suited. Allow us to explain your options to you so you can choose the most appropriate finance for your business.

2. Brokers save you time and money
This is our job: we listen to what you need and then go to the market to find you the best deal. We have preferential rates and superb relationships with our lenders so we won’t be beaten on price or customer service.
Shopping around for the perfect finance is a full time job that most business owners find takes too much time and is often too confusing. Allow us to work on your behalf and save yourself time and money.

3. Brokers are on your team
Dealing with a broker means dealing with an individual. We take the time to build a relationship with you and always have your best interests at heart – when you win, we win! We hate being passed pillar to post as much as you do so at Reform you will only ever deal with one person who will get to know you and be on your side at all times.

Our process is the most friendly and efficient you will find. There’s no obligation, and we won’t perform credit checks, give you false hope, or waste your time. 99% of the time we can come back to you within 60 minutes of your enquiry.

1. Quick and easy consultation – our experienced and helpful team will ask some top-level questions including information about your business and needs

2. Shortlist and indicative terms – We use our expertise to match you with the very best and most appropriate lenders and come back to you with initial offers

3. Once you are happy with an initial offer, and you want to discuss your needs in more detail with your desired lender, we will connect you. We are here to help throughout the whole process, so you can contact us any time you have a question or need any help

Unlike the majority of other brokers, we never charge any fees. We are extremely confident about the service we provide, so there is no need for us to rely on hidden or unnecessary fees.

Instead we receive a commission upon completion of a job, when you are happy. This commission is offset against the lenders commission, so it will never cost you more to use our service. And because we get paid after we’ve done an exceptional job, it’s always in our best interests to go above and beyond.

We have spent a considerable amount of time building strong relationships with our lenders. We decided to choose quality over quantity with our panel while making sure you have enough options.

Currently we have 200+ trusted lenders who have all delivered exceptional results time and time again. We also have specialist lenders within each sector. Our panel ranges from high street banks, challenger banks, tier 1, 2, and 3 lenders, private funds, debt/equity partners, and Super High Net Worth Individuals.

Never! We are not here to make a quick buck. Instead, we are in it for the long game and will continue to build a business that stands head and shoulders above the competition when it comes to customer service and respect for our clients.

You will receive the same friendly, caring service whether you need your funds yesterday, have a potential project in 6 months, or are just window shopping. Feel free to use our service to benefit you and your business and we will always be more than happy to help.

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Reform Financial - Finance, Restructuring, Insolvency

Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.

Contact Us

Reform Financial Limited
124 City Road
London
England
EC1V 2NX

Reform Financial Limited is registered in England and Wales under company number 13084762.  Reform Financial Limited does not administer or provide advice relating to any business finance products. Reform Financial Limited can introduce applicants to a number of finance providers based on the applicants circumstances. Reform Financial Limited do not charge for this service but may receive a commission from lenders or other brokers for such introductions.

This website is owned and operated by Reform Financial Ltd – company number 13084762. Registered address – 124 City Road, London, England, EC1V 2NX. Licensed under the Information Commissioners Office (ICO) for data Handling; DPA No ZA840802.