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Development Finance
- Funding up to 100% of costs with additional security
- Funding up to 100% net loan to costs with joint venture finance
- Funding up to 90% net loan to costs with mezzanine loan finance
- Terms from 3-36 months
- Flexible approach
- No experience required

One of the fastest-growing areas of funding, development finance can often appear complex. Developments can range from land purchases and ground upbuilds, through to heavy and light refurbishments and mezzanine loans.
Our team has experience working with both residential and commercial property developers to structure the best possible funding solutions for their projects. Regardless of size or location, we can assist and have previously been involved in transactions at varying degrees of complexities, from single-unit conversions, right through to major multi-unit developments.
Development of Finance Solutions

Senior debt
Typically development finance facilities will advance between 65% and 80% of the cost of development. This is arranged through a senior debt facility (ie the core borrowing for a project) and secured by a first charge on the development. However, developers may not have the equity required for or wish to spread their cash among numerous projects. In this instance, we can look to arrange a facility up to 80% of GDP or a net loan of 90% of costs by blending in a top-up mezzanine loan facility.

Mezzanine
Mezzanine loan finance provides a top-up layer of financing, sitting above the senior debt provider but under the developer’s equity. Typically this funding us secured by a second charge and allows for the loan to cost to be increased for debt funding up to 90% net loan to cost of the development or even 95% with new ‘super’ mez facilities. Mezzanine loans can be provided from an additional debt provider and the money will usually be used at the outset to minimise the developer’s initial contribution towards the purchase.

JV/Equity
Equity Finance or Joint Venture Finance provides experienced housebuilders and developers with up to 100% loan to cost. Investment partners will typically invest their money through shares in a specially created corporate vehicle (SPV) or, more commonly, through a profit share agreement. We have access to a number of High Net Worth individuals, family offices and private equity firms who are keen to lend their money to experienced developers.
Summary Points
- Funding is available to all developers regardless of experience
- Lending facilities can be structured to leverage the project to minimise the developer’s contribution
- Interest rates are simple, non-compounding which dramatically decreases the overall cost
- Loan facilities are available from £500k to £100m
- Terms can be between 3 months and 36 months
- Loans are available for a multitude of developments



Our Testimonials
An Oakmead client
“The assistance we received from Oakmead Finance made it possible to open our new site. The help from Richard and the team has been fantastic and gave me one less thing to worry about. There was no waiting for a decision. They worked to our timescales and generated an offer of a facility within 48 hours. This meant we were able to get up and trading as soon as possible.”
An Oakmead client
“Having a Purchase Funding facility in place is a huge benefit. We work with Oakmead Finance more as a partner than a customer and the team’s expertise and knowledge of the market is undoubtedly a huge advantage for us.”
An Oakmead client
Richard and his team at Oakmead were exceptional (again). They are a trusted source of advice for us.”
An Oakmead client
“It was refreshing to deal with a firm which has the experience and knowledge to challenge our business plans and make well a structured proposal on how we may do things better, rather than just giving us what we thought we wanted. We are now in a far better place than we might have been thanks to Oakmead Finance.”
Mr Jenkins – Property owner
“Fantastic service. I have been using Oakmead Finance for a while now. They are professional in their dealings, as well as being honest and open."
Mr Deane
“I was faced with the real prospect of having to sell my property portfolio which I had built up over many years. Peter and his team were brilliant. They didn’t just stop when they had found a lender, but continued to try and find the best deal for me. Despite challenging circumstances, they were innovative, straightforward to deal with and made the whole process as stress-free as possible for me. I would thoroughly recommend them.”
Mr Anderson
“I have been absolutely thrilled with Oakmead Finance. They worked on this with professionalism and a spirit that has been magnificent — consistently, at every stage of every twist and turn. I am genuinely in your debt, and hope over time to be able to give back a tiny bit of all I received from you.”