Quest Commercial Finance is an independent property development finance broker with access to lenders across the UK. Each lender has their own development loan terms and lending criteria. We spend the time with our clients to understand their project, plans and funding requirements in order to match them with the right lender and negotiate the best development loan rates.
Development Finance
Development finance is a property loan product used to fund the cost of new build developments, extensive renovations, and conversions of residential and commercial properties. Ideal for property developers and investors looking to add value and profit from their property investments.




Who is development finance available to?
Individuals, Partnerships, Limited companies, Offshore companies, Foreign nationals, expats, and Trusts.
Residential development loans features
Development Type | New builds, conversions, or refurbishments |
Minimum Loan Amount | £200,000 |
Maximum Loan Amount | £25,000,000 |
Maximum Loan to Value (LTV) | 70% including fees and interest (higher LTV with additional security) |
Maximum Loan to Gross Development Value (LTGDV) | 65-70% including fees and interest |
Build Costs | Up to 100% on stage payments paid in arrears upon QS certification |
Loan to Cost (LTC) | Up to 90% |
100% Development Finance | Available with additional security |
Loan Term | Build 12-24 months plus 6-12 months marketing |
Security | First charge.
Second charge; directors personal guarantees; mortgage debenture on a case by case basis. |
Arrangement Fees | 1-2% of gross or net loan amount |
Exit Fees | 1-2% of gross, net loan amount or GDV |
Development finance rates | From 4.5% per annum (on drawn balance) |
Monitoring Surveyor | A Quantity Surveyor to be appointed to produce the initial due diligence report to include an assessment of build costs, the professional team and project viability |
Repayment | From refinance onto term loan or sale of property |
Facilities | Extensive finance facilities available |
Lenders | As a specialist property finance broker, we access the whole of market |
Planning permission | Preferred. Land loan without planning consent possible with extra security |
Mezzanine finance | Third party mezzanine finance considered |
Development loan with no experience | Yes – with a strong professional team and contractor |
Our commitments
Attention to detail
We carry out a comprehensive fact find to understand your project and goals. This ensures a strong and comprehensive bridging loan application, informed credit decisions and faster completion.
Service quality
As a whole of market bridging finance broker, we approach lenders offering the best Bridging loan terms for your project; liaise with all parties, update and support you from application to completion.
Integrity
As an FCA regulated credit broker, we follow strict guidelines and procedures to ensure out customers are treated fairly and that we act professionally at all times in the interest of our clients.
Complete service
We can assist with the refinancing of the bridging loan onto a lower cost traditional development or BTL loan following repayment.