As UK property developers reach the final stages of a project, financial flexibility becomes a top priority. Refinancing completed developments—often through development exit finance—offers a strategic way to manage debt, improve cash flow, and unlock capital for future projects. Fraser Bond provides expert guidance and access to tailored refinancing solutions to help developers optimise their outcomes post-completion.
Development exit finance is a form of short-term refinancing used once a property development is substantially complete. It replaces the original development loan, which may carry higher interest rates or stricter terms, with more flexible, cost-effective financing.
According to insights from Clifton Private Finance, this type of finance is designed to give developers breathing room to market and sell their units without the urgency imposed by expiring loans.
Lower Interest Rates
Refinancing typically reduces borrowing costs compared to development finance, improving profitability.
Extended Sale Period
Developers gain more time to sell completed units, helping avoid discounts and maximise market value.
Capital Release
Equity tied up in the finished development can be released to fund new opportunities.
Improved Cash Flow
Lower monthly servicing requirements and the option for interest roll-up can enhance liquidity during the post-build phase.
As noted by Shawbrook, this type of facility is particularly suited to developments with longer sales timelines, such as high-value residential blocks or specialist housing.
Refinancing a completed development is most effective in the following scenarios:
Loan Maturity Approaching
The original development finance is ending, but some or all units remain unsold.
Market Timing Strategy
Developers wish to hold out for improved sales values instead of accepting lower prices due to financial pressure.
Capital Recycling
Funds are needed to pursue a new project before all proceeds from the current one are realised.
As explained by Trinity Finance, refinancing provides a bridge between project completion and long-term sales or investment outcomes.
Fraser Bond offers a comprehensive advisory service tailored to the specific financial goals and challenges of property developers. Our refinancing solutions include:
Lender Sourcing
We access a network of specialist lenders offering competitive development exit and bridge finance terms.
Loan Structuring
Our team works with you to structure facilities that match your exit timeline and sales strategy.
End-to-End Application Support
From documentation through to deal close, we ensure a seamless refinancing process.
Strategic Capital Planning
We help developers structure refinancing in a way that supports pipeline growth, equity retention, and market timing.
For example, Build Capital notes that a well-timed refinance can reduce interest costs and boost investment capacity without the risk of default or fire sales.
Refinancing a completed development offers a powerful opportunity for UK property developers to reduce borrowing costs, improve cash flow, and reallocate capital. Fraser Bond’s tailored advisory service helps developers structure exit finance solutions that support their business strategy while safeguarding the value of their completed assets.
To explore refinancing options for your completed development, speak to the Fraser Bond team today.
