Development Bridge

Secure the Best Bridging Finance for Your Property Development

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What is Development Bridging Finance?

Development Bridging: A hybrid between bridging loans and development finance.
Purpose: Funds both property purchase and redevelopment costs.
Scope: Covers everything from light refurbishments to full remodels (excluding demolition and reconstruction—see Development Finance).
Properties requiring refurbishment before a mortgage is available.
Loan Structure: Split into a “Day 1” loan for purchase and a development loan released as work progresses.
Tranche Releases: Development funds are drawn in stages, aligned with project milestones.
Repayments: No monthly payments—interest is rolled up or retained, with full repayment upon sale or refinance.

Key Benefits

Maximised Capital Efficiency: Minimise personal capital use to take on larger or multiple projects and boost returns.
Speed: Bridging lenders move faster than development finance, helping you seize opportunities quickly.
Flexibility: Funding available for residential and commercial projects of all sizes.
SME Developer Support: Lenders cater to projects of any scale and developer experience.
Capital Raising: Unlock equity in existing properties and secure development funding for improved cash flow and reinvestment.

Who is Eligible?

Limited Companies, PLCs, Sole Traders, Private Individuals, SIPPS and Partnerships are all able to use development bridging. Lenders will look at several factors when assessing suitability and price including:

The level of experience the developer has
The size and complexity of the project
The value now and the value of the finished project or Gross Developed Value (GDV)
Your probability of repaying the loan via either a successful sale or refinance of the property

How much can you borrow?

Loan-to-value (LTV) typically up to 80% of the purchase price and up to 100% of the development costs.
Generally, the total loan is restricted to 75% of the Gross Developed Value (GDV)
Loan amounts starting from £100,000 to £50M+.

Interest Rates & Terms

Rates will depend on the eligibility criteria but typically can be 0.5% to 1.5% per month
Loan terms are typically 6 – 36 months
Fixed and variable rate options available.

Why choose VAST?

Value: Our large and diverse lender panel mean that we can negotiate the best terms on your behalf.
Access: We connect you with lenders, products, and senior decision-makers not always available directly, leveraging our industry expertise. We work with over 120 lenders from high street banks to challenger banks and private lenders.
Service: We offer a personal service where you have just one point of contact from start to finish. We are experienced and have substantial expertise that supports investors to navigate the market conditions. We’re the Private or Corporate Bank Manager you wish you had on your side.
Trust and Time: We work for you, not the lender. We’re listen to your needs and deliver the solution that is in your interests. That includes total transparency around fees from the start. By handling every detail from start to finish we give you back the one thing you cannot buy – time.