Property and Development Loans
Million Plus Private Finance provides bespoke lending for property acquisitions, developments, and renovations. We structure short-term and development loans for high-net-worth clients and investors in the UK and internationally, offering flexible repayment options, fast access to funds, and tailored solutions for complex portfolios and multi-property holdings.
Why Choose Million Plus For Your Property and Development Loan?
Property development finance requires specialist expertise and access to trusted lenders. Million Plus Private Finance structures bespoke loans for acquisitions, renovations, and development projects. We present multi-property holdings, complex financial profiles, and international assets to private banks and specialist lenders. Interest-only and hybrid repayment options provide liquidity while preserving capital. Our clients benefit from discretion, competitive rates, and lending solutions aligned with long-term investment and property development strategies.
Short-term, transitional, and development funding structured for complex property strategies.
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Share your details and our team will contact you promptly by phone or email. Million Plus advisers provide expert guidance to structure property and development loans optimally for high-net-worth clients and investors.
Million Plus Private Finance specialises in property and development loans for high-net-worth clients and investors. We structure bespoke lending for property acquisitions, renovations, and development projects.
Facilities are typically assessed against loan-to-cost or gross development value, depending on project stage and lender appetite.
Loans are tailored to present multi-property portfolios, complex income streams, and international holdings to lenders. Interest-only and hybrid repayment options provide flexibility while preserving capital. Our team manages valuations, lender communication, and legal documentation to ensure a smooth, confidential process. Clients benefit from competitive rates, discretion, and lending solutions aligned with long-term property investment and development goals.
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Mortgage Closings
Property and development finance requires specialist expertise and trusted lender relationships. Million Plus Private Finance considers all aspects of a client’s portfolio, including property holdings, multiple developments, and international investments.
We structure loans for acquisitions, development projects, and renovations. Interest-only and hybrid repayment options allow cashflow optimisation while preserving capital. Multi-property or multi-asset lending facilities can be combined to maximise borrowing potential.
Million Plus Private Finance manages valuations, lender submissions, and legal documentation for a seamless, confidential process. By monitoring market conditions, lender appetite, and project timelines, we secure competitive terms and bespoke repayment structures. Clients receive personalised guidance, discretion, and access to lenders experienced in property and development lending. Every loan solution aligns with a broader investment strategy, whether for liquidity, portfolio growth, or high-value acquisitions.
Exit strategies may include refinance, asset sale, or portfolio restructuring, depending on project objectives.
frequently asked questions
Mortgage Questions Answered
What are property and development loans?
Property and development loans are specialist finance solutions used to fund property acquisitions, refurbishments, and ground-up development projects. They are typically structured for high-net-worth individuals and investors and may include interest-only, hybrid, or staged drawdown facilities depending on project stage and lender appetite.
What types of projects can property development finance be used for?
Property development finance can be used for residential developments, commercial projects, mixed-use schemes, land purchases, major refurbishments, and luxury renovations. Funding structures are tailored to the project scope, planning status, construction timeline, and overall investment strategy.
Can multiple properties or sites be financed under one facility?
Yes, subject to lender approval, multiple properties or development sites can often be financed within a single facility. Multi-property structures may improve borrowing efficiency and allow clients to leverage equity across portfolios rather than relying on standalone funding for each asset.
Are interest-only or hybrid repayment options available?
Interest-only and hybrid repayment structures are commonly available for property and development loans. These options are designed to preserve cashflow during acquisition and construction phases, with capital repayment typically deferred until refinance, sale, or project completion.
How are property development loans assessed by lenders?
Lenders typically assess development loans based on factors such as loan-to-cost, gross development value, planning status, borrower experience, and overall project viability. The strength of the client’s wider property portfolio, income profile, and existing equity can also influence terms and leverage.
What finance options are available for property development?
Finance for property development can include short-term bridging loans, development finance with staged drawdowns, and hybrid facilities that combine acquisition and build costs. Funding is typically structured based on loan-to-cost, gross development value, planning status, and the borrower’s experience, with interest-only or flexible repayment options commonly available.
What does a property development finance broker do?
A property development finance broker sources, structures, and negotiates funding solutions for development projects by accessing specialist development finance lenders. Brokers present the full financial profile of the borrower and project, coordinate valuations and legal processes, and structure facilities aligned with development timelines and exit strategies.
Why use a property development finance broker rather than approaching lenders directly?
Using a property development finance broker can improve access to specialist lenders, enhance loan structuring, and reduce delays. Brokers understand lender appetite, credit criteria, and risk assessment methods, enabling them to position development projects more effectively and secure terms aligned with project objectives.
Can a property development finance broker help with complex or multi-site projects?
Yes, a property development finance broker can assist with complex developments involving multiple sites, mixed-use schemes, or portfolio-based borrowing. Facilities may be structured to combine assets, manage staged funding, and align repayment with project completion or refinance strategies.
What loan terms are available for property and development finance?
Loan terms vary depending on the project and lender but commonly range from 6 to 36 months. Shorter terms are often used for bridging or acquisition phases, while longer terms support construction and development timelines with staged drawdowns.
How quickly can property and development loans complete?
With full preparation, property and development loans can complete in a matter of days or weeks. Speed depends on valuation complexity, legal due diligence, planning documentation, and lender requirements, with specialist lenders typically offering faster execution than high street banks.
What exit strategies are typically used for development loans?
Exit strategies may include refinancing onto a longer-term mortgage, sale of the completed development, partial asset disposal, or wider portfolio restructuring. Exit planning is considered at the outset to ensure the facility aligns with project objectives and market conditions.
Can property development finance be structured for international clients?
Yes, property and development finance can be structured for international or cross-border clients, subject to lender criteria. Facilities may take into account overseas income, foreign assets, and multi-currency considerations where appropriate.
Do you provide finance for both residential and commercial developments?
Yes, lending can be arranged for residential, commercial, and mixed-use developments. Each project is assessed individually, with funding structured to reflect asset type, location, income profile, and development risk.
Is development finance available without pre-sales or pre-lets?
In some cases, development finance can be secured without pre-sales or pre-lets, particularly for experienced developers or high-net-worth clients with strong balance sheets. Lender appetite will depend on project viability, market demand, and borrower profile.
How does Million Plus support clients throughout the process?
Million Plus manages the entire process, including lender selection, valuations, credit submissions, legal coordination, and facility structuring. Clients receive discreet, strategic guidance to ensure finance supports long-term property and investment goals.
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Luxury Real Estate
Finance Without Limits
From property acquisitions to multi-site development projects, Million Plus Private Finance secures bespoke lending solutions beyond conventional high street lending criteria. We provide private bank access, flexible repayment structures, and tailored financing for high-net-worth clients and investors.
