Developer Finance
Welcome to YFA, a leading UK broker in developer finance. Whether you’re acquiring a site, funding a new build, or refurbishing existing property, we help you secure the funding you need—fast and flexibly. Our expert team works closely with experienced and first-time developers, tailoring solutions that match your project’s size, scope, and timeline.
Why Use YFA for Developer Finance
Tailored Funding Plans: Whether it’s a single unit or multi-phase site, we help build the right finance structure.
Full Market Access: We work with 100+ specialist lenders to give you the best deal for your project’s needs.
Speed and Clarity: Time-sensitive deals are handled fast—so you can get to site without delay.
Expert Project Knowledge: We understand GDVs, planning risk, exit strategies, and how lenders think.
Personal Support: A dedicated advisor will support you from application to final drawdown.
What Is Developer Finance?
Developer finance is a form of short- to medium-term funding used to cover the costs of land acquisition, construction, and development. It’s ideal for builders, investors, and developers looking to unlock the value of property projects without tying up all their capital.
How to Apply for Developer Finance
To begin, we’ll review your project plans, costs, and experience. We’ll help you build a solid case for funding, then approach lenders on your behalf to get terms that work for your cash flow and schedule. From application to funding, we handle the details so you can focus on the build.
How Much Can You Borrow?
Wondering what’s possible? Use our developer finance calculator to estimate borrowing potential based on your build costs, projected GDV, and experience. For accurate quotes and full proposals, speak to our expert team.
Is Developer Finance Right for You?
It depends on your project goals, experience, and financial situation. That’s why we take time to understand your needs and ensure any funding aligns with your development risk and return. We only recommend developer finance if it supports your long-term success.
Development Finance Calculator
Lenders decline schemes on leverage and margin, not on rate. Enter your appraisal below to see the facility a development lender would offer, the cash you would need to find, and whether the scheme passes the three tests every lender underwrites to.
Maximum facility
£0
Day one against the land £0 · build drawn in stages £0
Loan to GDV
0%
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Loan to cost
0%
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Profit on cost
0%
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Where this sits
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- Cash you need to find
- £0
- Rolled-up interest to exit
- £0
- Fees arrangement, exit, monitoring, legals
- £0
- Total debt at redemption
- £0
- Profit at exit
- £0
- Return on your cash
- 0%
Adjust rates, leverage and fees
Defaults reflect typical current UK market terms for a first-charge development facility. Interest is assumed to roll up on the drawn balance, with the land advanced on day one and the build drawn in arrears against a monitoring surveyor's certificates. Stamp duty, professional fees on the build, and sales and marketing costs are excluded from the appraisal.
Estimates only, not a quotation, illustration or advice, and not an offer of finance. Development lending is assessed scheme by scheme against a professional appraisal and a monitoring surveyor's report, and the terms available depend on your track record, the site, planning status and the strength of the sales evidence. Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Most development finance is not regulated by the Financial Conduct Authority. Your Financial Assurance Ltd is Authorised and Regulated by the Financial Conduct Authority. FRN 1052118.
Developer Finance FAQ
What is developer finance?
Developer finance provides funding for property development projects, including land purchase, planning, construction costs, and interest payments during the development period.
What deposit is required?
Most development finance requires 25-40% deposit, though this varies based on your experience, project size, location, and the lender’s risk assessment of the development.
How quickly can funds be released?
Development finance can typically complete in 2-4 weeks, much faster than traditional mortgages, as specialist lenders understand the time-sensitive nature of development opportunities.
What experience do I need for developer finance?
Many lenders prefer developers with track records, but first-time developers can access funding with strong business plans, experienced teams, and adequate financial backing.
Are there restrictions on property types?
Most development finance covers residential projects, though some lenders fund commercial developments. Planning permission and viable exit strategies are typically essential requirements.
What happens if the project runs over budget?
Many development loans include contingency funds (10-20% of build costs). If costs exceed this, you may need additional funding or personal contributions to complete the project.
Can I get development finance for land purchase only?
Yes, some lenders provide land acquisition finance, though terms may differ from full development funding. Having planning permission significantly improves lending options and terms.
Will Your Financial Assurance be my best option?
Your Financial Assurance has grown from strength to strength, offering not only great deals but also full customer support. Help is just a phone call away whenever you have questions — YFA is always there for you. Don’t just take our word for it; check out our Trustpilot reviews and see for yourself!
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