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Development Finance


We have a wide range of lenders for developers whether it be a small scale refurbishment up to major residential developments. Finance is arranged over the short term to allow you to do the build and comfortably exit the loan. The maximum loan is agreed at the beginning and is based on the overall costs and end value.

A comprehensive list of information is needed and a helpful guide is located here.


  • How much do you have as a contribution and for contingency;
  • Your contribution goes in first;
  • Is interest included or excluded from the % the lender provides;
  • How is interest calculated;
  • Ensure term is sufficient for build;
  • Will the lender need a Monitoring Surveyor;
  • Are Collateral warranties needed;
  • Provide a detailed breakdown of costs including all professional fees;
  • Ensure your professional team has the right qualifications for the lender;
  • Satisfactory exit strategy in place with alternatives.


  • Up to 100% of build costs;
  • Up to 75% of all costs;
  • Up to 65% of GDV (Gross Development Value;
  • Rates variable or fixed;
  • Fees based on debt or GDV;
  • Term up to 24 months;
  • Rate and lender dependent on experience of doing similar projects.

Searchlight Finance Limited is registered in England and Wales No.07929050 Searchlight Finance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference 743220. The FCA do not regulate Business Buy to Let Mortgages or most Commercial Mortgages and Bridging Finance. ICO Number Z3109319. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.