{"componentChunkName":"component---src-templates-tide-templates-kv-2-template-index-tsx","path":"/knowledge/property-development-finance/","result":{"pageContext":{"slug":"property-development-finance","contentful_id":"WlGKJAqi0zyb1IhvBYKse","title":"Property Development Finance","metaDescription":"Learn how property development finance works, from bridging loans to mezzanine funding. Compare options from 80+ lenders with Funding Options by Tide.","isNoindex":false,"seo":{"type":"application/ld+json","contents":{"contents":"{\n  \"@context\": \"https://schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebSite\",\n      \"@id\": \"https://www.fundingoptions.com/#website\",\n      \"name\": \"Funding Options by Tide\",\n      \"url\": \"https://www.fundingoptions.com/\",\n      \"publisher\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"potentialAction\": {\n        \"@type\": \"SearchAction\",\n        \"target\": \"https://www.fundingoptions.com/search?q={search_term_string}\",\n        \"query-input\": \"required name=search_term_string\"\n      }\n    },\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https://www.fundingoptions.com/#organization\",\n      \"name\": \"Funding Options by Tide\",\n      \"url\": \"https://www.fundingoptions.com/\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https://www.fundingoptions.com/static/img/logo.png\"\n      },\n      \"sameAs\": [\n        \"https://www.linkedin.com/company/funding-options/\",\n        \"https://twitter.com/FundingOptions\"\n      ],\n      \"aggregateRating\": {\n        \"@type\": \"AggregateRating\",\n        \"ratingValue\": \"4.8\",\n        \"reviewCount\": \"1300\"\n      }\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https://www.fundingoptions.com/author/joe-morley/#person\",\n      \"name\": \"Joe Morley\",\n      \"jobTitle\": \"Business Finance Lead\",\n      \"url\": \"https://www.fundingoptions.com/author/joe-morley/\",\n      \"sameAs\": [\"https://www.linkedin.com/in/joe-morley\"]\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https://www.fundingoptions.com/author/vivek-seda/#person\",\n      \"name\": \"Vivek Seda\",\n      \"jobTitle\": \"Business Finance Manager\",\n      \"url\": \"https://www.fundingoptions.com/author/vivek-seda/\",\n      \"sameAs\": []\n    },\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#webpage\",\n      \"url\": \"https://www.fundingoptions.com/knowledge/property-development-finance/\",\n      \"name\": \"Property development finance – Fund building and renovation projects\",\n      \"isPartOf\": { \"@id\": \"https://www.fundingoptions.com/#website\" },\n      \"about\": { \"@type\": \"LoanOrCredit\", \"name\": \"Property development finance\" },\n      \"breadcrumb\": { \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#breadcrumb\" },\n      \"datePublished\": \"2025-09-01\",\n      \"dateModified\": \"2025-10-06\",\n      \"inLanguage\": \"en-GB\",\n      \"primaryImageOfPage\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https://www.fundingoptions.com/static/img/og/funding-options-knowledge.jpg\"\n      },\n      \"publisher\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"speakable\": {\n        \"@type\": \"SpeakableSpecification\",\n        \"cssSelector\": [\"h1\", \"p.intro\", \".faq-item\"]\n      }\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#breadcrumb\",\n      \"itemListElement\": [\n        { \"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https://www.fundingoptions.com/\" },\n        { \"@type\": \"ListItem\", \"position\": 2, \"name\": \"Knowledge\", \"item\": \"https://www.fundingoptions.com/knowledge/\" },\n        { \"@type\": \"ListItem\", \"position\": 3, \"name\": \"Property development finance\", \"item\": \"https://www.fundingoptions.com/knowledge/property-development-finance/\" }\n      ]\n    },\n    {\n      \"@type\": \"Article\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#article\",\n      \"headline\": \"Property development finance – Fund building and renovation projects\",\n      \"description\": \"Short- to medium-term funding for building, refurbishing or converting property. Released in stages and typically repaid on sale or refinance. Compare options from 80+ UK lenders with Funding Options by Tide.\",\n      \"mainEntityOfPage\": { \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#webpage\" },\n      \"author\": { \"@id\": \"https://www.fundingoptions.com/author/joe-morley/#person\" },\n      \"editor\": { \"@id\": \"https://www.fundingoptions.com/author/joe-morley/#person\" },\n      \"reviewedBy\": { \"@id\": \"https://www.fundingoptions.com/author/vivek-seda/#person\" },\n      \"publisher\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"datePublished\": \"2025-09-01\",\n      \"dateModified\": \"2025-10-06\",\n      \"image\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https://www.fundingoptions.com/static/img/og/funding-options-knowledge.jpg\"\n      },\n      \"articleSection\": [\n        \"What is property development finance\",\n        \"How it works (staged payments, GDV, exits)\",\n        \"Types: refurbishment, ground-up, conversion, short-term/bridging, commercial mortgage, auction, buy-to-let\",\n        \"Use cases & eligibility\",\n        \"Pros and cons\",\n        \"How Funding Options works\",\n        \"FAQs\"\n      ],\n      \"about\": {\n        \"@type\": \"LoanOrCredit\",\n        \"name\": \"Property development finance\",\n        \"url\": \"https://www.fundingoptions.com/knowledge/property-development-finance/\"\n      },\n      \"mentions\": [\n        { \"@type\": \"LoanOrCredit\", \"name\": \"Bridging loans\", \"url\": \"https://www.fundingoptions.com/knowledge/bridging-loans/\" },\n        { \"@type\": \"LoanOrCredit\", \"name\": \"Commercial property finance\", \"url\": \"https://www.fundingoptions.com/knowledge/commercial-property-finance/\" },\n        { \"@type\": \"FinancialProduct\", \"name\": \"Refurbishment loans\", \"url\": \"https://www.fundingoptions.com/knowledge/refurbishment-loans/\" }\n      ]\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What is property development finance?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Short- to medium-term funding for residential, commercial or mixed-use projects. Funds are often released in stages based on build progress and repaid on sale or refinance.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How does it work?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Lenders assess land value, build costs and GDV. Funds are drawn in tranches, interest is often rolled up, and common exits include sale or refinance to a commercial mortgage.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How much can I borrow?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Many lenders fund 60–70% of land and build costs, sometimes referencing GDV. The exact amount depends on experience, planning, security and project feasibility.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do I need experience?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Most lenders prefer a track record, but some specialists consider first-time developers with strong plans and credible contractors.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What are the risks and costs?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Costs include interest plus fees (arrangement, valuation, legal, monitoring, exit). Risks include delays, cost overruns and exit failure, which can increase repayment risk.\"\n          }\n        }\n      ]\n    },\n    {\n      \"@type\": \"Product\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/property-development-finance/#product\",\n      \"name\": \"Compare property development finance\",\n      \"description\": \"Compare property development finance from 80+ UK lenders in minutes.\",\n      \"brand\": { \"@id\": \"https://www.fundingoptions.com/#organization\" },\n      \"category\": \"Financial Services\",\n      \"url\": \"https://www.fundingoptions.com/knowledge/property-development-finance/\",\n      \"aggregateRating\": {\n        \"@type\": \"AggregateRating\",\n        \"ratingValue\": \"4.8\",\n        \"reviewCount\": \"1300\"\n      },\n      \"additionalProperty\": [\n        { \"@type\": \"PropertyValue\", \"name\": \"Lender panel\", \"value\": \"80+\" },\n        { \"@type\": \"PropertyValue\", \"name\": \"Businesses supported\", \"value\": \"17000+\" },\n        { \"@type\": \"PropertyValue\", \"name\": \"Total funding secured\", \"value\": \"£1bn+\" }\n      ],\n      \"offers\": {\n        \"@type\": \"Offer\",\n        \"price\": \"0\",\n        \"priceCurrency\": \"GBP\",\n        \"availability\": \"https://schema.org/InStock\"\n      }\n    }\n  ]\n}\n"}},"hero":{"title":"Property development finance – Fund building and renovation projects","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Property development finance is short- to medium-term funding for building, refurbishing or converting property, typically released in stages against build milestones and repaid on sale or refinance. Compare options from 80+ UK lenders in minutes.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Last updated: October 2025, edited by \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/author/joe-morley/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Joe Morley\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\", reviewed by \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/author/vivek-seda/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Vivek Seda\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"},"heroImage":{"image":{"gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=84&h=84&q=80&fm=webp 84w,\nhttps://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=168&h=168&q=80&fm=webp 168w,\nhttps://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=335&h=335&q=80&fm=webp 335w,\nhttps://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=670&h=670&q=80&fm=webp 670w","sizes":"(min-width: 335px) 335px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=335&h=335&q=80&fm=png","srcSet":"https://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=84&h=84&q=80&fm=png 84w,\nhttps://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=168&h=168&q=80&fm=png 168w,\nhttps://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=335&h=335&q=80&fm=png 335w,\nhttps://images.ctfassets.net/7y9qslt4dryp/mmruAAE4j37TE9bXgniJG/1718b26b846ea5a9c104da86f7980bcf/Blue_Girl.png?w=670&h=670&q=80&fm=png 670w","sizes":"(min-width: 335px) 335px, 100vw"}},"layout":"constrained","width":335,"height":335,"placeholder":{"fallback":"data:image/png;base64,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"}}},"imageDesktop":{"gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=150&h=244&q=80&fm=webp 150w,\nhttps://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=300&h=488&q=80&fm=webp 300w,\nhttps://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=600&h=975&q=80&fm=webp 600w","sizes":"(min-width: 600px) 600px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=600&h=975&q=80&fm=png","srcSet":"https://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=150&h=244&q=80&fm=png 150w,\nhttps://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=300&h=488&q=80&fm=png 300w,\nhttps://images.ctfassets.net/7y9qslt4dryp/1cjj35clTWjntpffblz37b/93eb48cd250689444d16a21a16b388ed/Blue_Girl.png?w=600&h=975&q=80&fm=png 600w","sizes":"(min-width: 600px) 600px, 100vw"}},"layout":"constrained","width":600,"height":975,"placeholder":{"fallback":"data:image/png;base64,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"}}}}},"pageComponents":[{"id":"23bbe9a5-c7a6-54c5-b7d2-44d81e5a7e44","placeholder":"Trustpilot carrousel","sys":{"contentType":{"sys":{"id":"templatesV2SectionTrustpilotCarrousel"}}}},{"accordion":{"title":"What is property development finance and how it works","description":null,"accordionItem":[{"id":"abcdcea1-1f81-53cc-99a4-00ab3c7002e4","label":"What is property development finance?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Property development finance is a type of short- to medium-term funding used to finance residential, commercial, or mixed-use development projects. It typically provides a large lump sum or staged payments to cover costs such as land purchase, materials, labour, and fees.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Most lenders offer funding based on the gross development value (GDV) - the projected value of the completed project. The loan is usually repaid through the sale or refinance of the property once completed.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"abe3af18-375e-5c9d-92fa-dd22fbaa7b82","label":"How it works","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Submit a project proposal\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" - including your business plan, projected costs, and planning permission.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Receive funding in stages\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" - most lenders release funds in tranches based on build progress.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Draw funds during construction\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" - interest is usually rolled up and only paid at the end.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Exit via sale or refinance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" - repay the finance once the project is complete.\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"abe3af18-375e-5c9d-92fa-dd22fbaa7b82"},{"id":"abcdcea1-1f81-53cc-99a4-00ab3c7002e4"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"title":"Types of property development finance","descriptionCards":[{"title":"Refurbishment finance","icon":"Hand holding bag of money","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/refurbishment-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"This type of finance\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" is designed to help cover construction costs, including the cost of labour and materials. It can also be used to fund internal decorating or structural changes. \",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Ground-up development loans","icon":"House and coins","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Ground-up property development finance is designed for larger projects and covers the price of the land and part of the construction cost. Property development finance is usually around 70-80% of the build cost. The developer must source funding for the remainder.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Conversion finance","icon":"Lock","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"This finance type funds the conversion of a building into another type of building. It can also be used to extend or convert a section of a building.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Short-term development finance","icon":"Wallet","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"For short-term projects, a bridging loan could be the most suitable type of business finance to opt for. \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/blog/education/does-a-bridging-loan-affect-future-mortgage-applications/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"Bridging loans are designed for the short term\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" until the loan can be paid back or a longer-term type of finance is secured. You may only need to repay the interest during the loan term length and will then have to repay the full amount once you’ve gained additional funding.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Commercial property mortgage","icon":"Banking institution","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Large renovations, on the other hand, could be funded using longer-term bridging finance or a commercial mortgage. \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/commercial-property-finance/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"Commercial property finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" is usually repaid monthly over a long period, around 15-30 years.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Bridging finance","icon":"Computer and Mobile phone","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"A \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/blog/education/navigating-commercial-real-estate-the-role-of-bridging-loans/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"bridging loan might be more suitable\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" if you want to buy, build, or renovate a new property but haven't sold an existing one. Or if you want to purchase a property and renovate it and then pay the full loan amount and interest upon the subsequent sale of the property.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Auction finance","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/auction-finance/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Auction finance\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" can be used to purchase property or land at auction. Funds are usually released quite quickly and then repaid when additional funding is established.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Buy-to-let mortgage","icon":"Money bill","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"If you want to borrow money to \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/buy-to-let-limited-company/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"buy, build, or renovate property through a limited company\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" with the intention to rent the premises out, a buy-to-let mortgage may be most suitable.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"title":"Estimate your costs today","description":"If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.","calculatorType":"Business loans","sys":{"contentType":{"sys":{"id":"templatesV2SectionCalculator"}}}},{"title":"Common use cases","descriptionCards":[{"title":"Residential development","icon":"Hand holding bag of money","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Build single homes or multi-unit residential schemes. Finance can cover both land and build costs.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Commercial projects","icon":"Lock","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Develop or convert retail, industrial, or office space for resale or lease.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Auction property redevelopment","icon":"Banking institution","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Secure quick bridging finance or short-term development funding to complete auction purchases.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Light or heavy refurbishment","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Convert or refurbish existing buildings to increase value or change usage (e.g. office to flats).\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Mixed-use schemes","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Combine residential and commercial elements in one development, such as flats above shops.\",\"marks\":[],\"data\":{}}]}]}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Eligibility criteria for property development loans","accordion":{"accordionItem":[{"id":"9e8d4231-3e70-5ec8-91da-3113bcf33590","label":"Lenders usually consider:","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Experience of the developer or contractor\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Planning permission and project feasibility\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Location, demand and projected GDV (gross development value)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Build costs, timescales and exit strategy\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Security available (land, property, guarantees)\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"4a330f2f-2918-5d5e-8980-a54943019745","label":"Pros and cons of property development finance","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"table\",\"data\":{},\"content\":[{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Pros\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Cons\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Access large sums for ambitious projects\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Higher interest rates vs standard mortgages\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funds released in line with project milestones\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Requires detailed plans and monitoring\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Flexible structures (bridging, senior, mezzanine)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Usually requires experience and track record\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Interest can be rolled up and paid at the end\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"If sales or refinancing fall through, repayment risk rises\",\"marks\":[],\"data\":{}}]}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"4a330f2f-2918-5d5e-8980-a54943019745"},{"id":"9e8d4231-3e70-5ec8-91da-3113bcf33590"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionHowDoesItWork"}}}},{"accordion":{"title":"Why choose Funding Options by Tide?","description":"Funding Options by Tide helps UK SMEs find fast, tailored business finance by connecting them with over 80 trusted lenders. Backed by Tide and FCA-regulated, the service is free and easy to use.","accordionItem":[{"id":"51f61310-5d3a-5c83-8e98-43c26a5a362b","label":"Compare 80+ UK lenders in minutes","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"We scan the market so you don’t have to, finding the right option for your business.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"9493be09-4707-5e73-95c0-e0dd4b3dd755","label":"Trusted by 19,000+ UK businesses","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"From startups to established SMEs, we’ve already helped secure over £1.1 bn in funding.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"cf46c0ca-d766-5d4e-bde5-a0a538536288","label":"FCA-regulated and Tide-backed","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"We operate as a credit broker, not a lender, giving impartial access to multiple finance products.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"3389a144-3906-572e-8df2-f3c2c4ff28cc","label":"Excellent customer experience","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Our Trustpilot rating is 4.8 out of 5, based on 1,300+ independent reviews.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"a50c205f-fd63-56f9-8254-22d53941314c","label":"Personalised support","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Our team can guide you through the process and help you choose the finance that fits your needs.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"51f61310-5d3a-5c83-8e98-43c26a5a362b"},{"id":"3389a144-3906-572e-8df2-f3c2c4ff28cc"},{"id":"cf46c0ca-d766-5d4e-bde5-a0a538536288"},{"id":"9493be09-4707-5e73-95c0-e0dd4b3dd755"},{"id":"a50c205f-fd63-56f9-8254-22d53941314c"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Want to know more about property development finance? ","accordion":{"accordionItem":[{"id":"7b879a46-31e5-5c66-bba3-2b86664b7a86","label":"What is the difference between property development finance and a mortgage?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Development finance is short-term funding for construction or renovation, released in stages. A mortgage is long-term funding secured on a finished property.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"aa01f70f-b774-52fc-b85b-4ef6c2f03f9b","label":"How much can I borrow?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It depends on land value, build costs and GDV. Many lenders fund 60–70% of land and build costs, with interest rolled up.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"7b2b3d36-ccde-5985-864d-9e160ba7948b","label":"Do I need experience to qualify?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Most lenders prefer developers with a track record, but some specialist lenders support first-time projects with strong plans.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"cb80f585-e92f-578d-9a41-612b8b343ca8","label":"How long does approval take?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Approval can take a few weeks due to project appraisals, but bridging facilities may be faster.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"f55380c6-b3c1-5a3b-93d0-3dddf1555095","label":"What is the exit strategy?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Common strategies include selling the completed property, refinancing onto a commercial mortgage or retaining rental income.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"f55380c6-b3c1-5a3b-93d0-3dddf1555095"},{"id":"cb80f585-e92f-578d-9a41-612b8b343ca8"},{"id":"7b2b3d36-ccde-5985-864d-9e160ba7948b"},{"id":"aa01f70f-b774-52fc-b85b-4ef6c2f03f9b"},{"id":"7b879a46-31e5-5c66-bba3-2b86664b7a86"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionDisclaimer"}}},"disclaimer":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]}]}"}}],"author":{"name":"Vivek Seda","jobTitle":"Business Finance Manager","slug":"vivek-seda","shortBio":{"shortBio":"Vivek is the Asset Based Lending Manager at Funding Options by Tide. Vivek has been in the industry for over 10 years, working for both lenders and brokers. His product specialisms cover Asset Finance, Invoice Finance, Property Finance and structured transactions."},"image":{"title":"Vivek Seda","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=32&h=32&q=50&fm=webp 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=64&h=64&q=50&fm=webp 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=webp 128w","sizes":"(min-width: 128px) 128px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=png","srcSet":"https://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=32&h=32&q=50&fm=png 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=64&h=64&q=50&fm=png 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/6O1z28aySZPyvpXsgorSv2/078bb33d840ea5f813ffbae549edc75e/Viv_Seda.png?w=128&h=128&q=50&fm=png 128w","sizes":"(min-width: 128px) 128px, 100vw"}},"layout":"constrained","width":128,"height":128}}}}},"staticQueryHashes":["1250078025","1659198851","3682024094","3753363658"]}