London continues to be a global centre for real estate investment and development, offering significant opportunities across residential, commercial, and mixed-use sectors. Whether delivering ground-up schemes or refurbishing existing assets, developers require access to fast, flexible capital. Fraser Bond offers expert property development finance solutions tailored to meet the demands of the London market.
Property development finance is a short-term funding facility designed to cover the costs associated with real estate construction or conversion projects. It is commonly used for:
Ground-up residential or commercial schemes
Property conversions or permitted development projects
Major refurbishments or structural improvements
Finish and exit loans to complete and stabilise projects
According to TAB, development finance typically covers land purchase, construction costs, and associated professional fees, and is released in stages aligned with build milestones.
Loan Sizes
Ranges from £100,000 to £100 million depending on project size, location, and borrower credentials
Loan-to-Gross Development Value (LTGDV)
Up to 75 percent of the projected end value of the scheme
Loan-to-Cost (LTC)
Typically up to 90 percent of total build costs
Term Length
Usually between 6 and 36 months, structured around the project's construction and sale timeline
Interest Rates
Generally from 8.5 percent per annum, depending on risk and lender criteria
Exit Strategy
Repayment through property sale or refinance onto a longer-term facility
As outlined by Clifton Private Finance, lenders will often require a clear project schedule, planning approval, and detailed costings.
Fraser Bond provides an end-to-end property development finance service tailored to London-based developers. Our approach includes:
Detailed Project Assessment
We assess viability, costs, timescales, and exit routes to determine funding suitability.
Lender Matching
We connect developers with appropriate senior, mezzanine, and bridging lenders from our network.
Structuring and Negotiation
We negotiate terms that balance cash flow needs, risk exposure, and return on investment.
Ongoing Management
Fraser Bond remains involved through each drawdown phase, ensuring timely access to capital as construction progresses.
As demonstrated by Bridging Finance London, experienced brokers play a vital role in aligning lender expectations with on-the-ground project realities.
Local Knowledge
Our deep expertise in the London property market ensures we understand local risks, values, and planning frameworks.
Speed and Access
We work with lenders capable of funding within tight timescales, ideal for auction purchases or fast-tracked builds.
Flexibility and Innovation
Whether through joint ventures, equity injection, or staged drawdowns, we deliver creative capital solutions.
Client-Centric Service
Every solution is bespoke. We work in partnership with clients to align funding with their commercial goals.
For more on development finance structuring and lender requirements, Paragon Bank offers detailed guidance for developers across London and the wider UK.
Property development in London presents significant opportunities—but demands strategic finance to match. Fraser Bond brings the experience, lender relationships, and market insight needed to secure funding that empowers delivery. Whether you’re a first-time developer or a seasoned investor, our tailored finance solutions ensure your project is supported at every stage.
To discuss your property development finance requirements in London, contact Fraser Bond today.
