Looking to raise money for a project? No matter the size, we’re here to help.

Whether you’re an experienced developer or this is a first-time project, our commitment to you remains the same, we will secure you a market-leading solution to suit your needs.

Kerr & Watson have a large network of specialist lenders so no matter the size of the development, we’re best placed to find the correct lender to make your project a reality.

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Property developer planning finance for a development project

Who We Help

✓ Planning a property development or conversion project

✓ Funding construction or refurbishment work

✓ Purchasing land for property development

✓ Looking for lenders specialising in development finance

Unsure How to Fund a Property Development Project?

Property development projects often require significant funding for land purchase, construction and professional fees.

At Kerr & Watson, we help structure development finance facilities and identify lenders suited to your project and experience.

What Can You Use Development Finance For

Concerned Development Finance Applications Are More Complex?

Development finance lenders usually assess factors such as planning permission, project costs, expected end value and developer experience.

We help present your development plans clearly and approach lenders whose criteria match your project.

Not Sure How Development Finance Works?

Development finance is typically a short-term loan used to fund property development, refurbishment or conversion projects.

Funds are usually released in stages as the build progresses, and we guide you through the process from initial enquiry to securing the finance.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to speak to a mortgage adviser about your circumstances, borrowing requirements and property plans.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will use the information you’ve provided to research suitable mortgage options across the market and explain our recommendation to you.

If you need an Agreement in Principle, we can also arrange this as part of the process.

Application

Once you’re ready to proceed, we will submit the full mortgage application and supporting documents to the lender.

We will liaise with the lender and its underwriters, respond to any additional requirements and keep you updated until the mortgage offer is issued and through to completion.

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   charlotte yates 
 21 July 2026
 
 
  Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice.  The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
  
 
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   Lauren Murray 
 30 June 2026
 
 
  Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.
  
 
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   Michelle 
 8 June 2026
 
 
  My 2nd time dealing with Kerr & Watson and they didn't disappoint, great service, professional and patient - big shout out to Andreea & Stephen
  
 
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   Sean Turner 
 2 June 2026
 
 
  I had an excellent experience with Kerr and Watson and would happily recommend them. A special mention has to go to James, who provided exceptional service throughout. He was professional, approachable, clear in his communication and always willing to help. His support made a huge difference, and we genuinely couldn’t have done it without him. I would not hesitate in recommending K&W to any family or friends.
  
 
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   Jackie 
 15 May 2026
 
 
  Brad was quick with getting me the right mortgage insurance prior to a move abroad. Polite and professional. Also liked that he would call to remind me take any actions if I hadn't responded to emails
  
 
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   Ade Kunle 
 1 May 2026
 
 
  I will always recommend Kerr & Watson to friend and family.
  
 
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   Minzel 33 
 23 April 2026
 
 
  This is my second product with Matthew, securing a BTL for my LTD with the best rate on the market. Once again great support, guidance and smooth process. Highly recommended, knowledgeable team. Reliable service.
  
 
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   Freya B 
 14 April 2026
 
 
  The team at Kerr & Watson were brilliant end to end. Daniel explained everything clearly, was always available to answer questions and helped us secure a great mortgage rate. The mortgage broking service they offer is worth every penny and I'd not hesitate to use them again. Thank you!
  
 
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   Dean Langton 
 7 April 2026
 
 
  Excellent service and very nice people. Would highly recommend using them.

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Useful Articles for Development Finance

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Frequently Asked Questions

▸ ▾ What are the benefits of development finance?

Development finance offers several advantages, including rapid access to funds, financing options for gap bridging and major refurbishments, extended loan durations, flexible repayment plans, competitive interest rates, and a range of repayment periods. However, it’s important to be aware of potential pitfalls.

▸ ▾ What are the types of development finance?

Development finance is highly customisable, catering to various project types, including residential and commercial developments, renovations, new builds, and more.

Options include development exit funding, regulated development finance, and mezzanine finance, each tailored to specific project requirements.

▸ ▾ Who is eligible for development finance?

Eligibility for development finance depends on presenting a viable project with a Gross Development Value (GDV) supported by market research.

Having development experience or a team with experience enhances eligibility.

▸ ▾ How can you exit development finance?

Exit strategies for development finance include selling the completed property or securing a mortgage. Development exit finance can offer a lower interest rate, providing a cost-effective solution until the project generates income or is refinanced.

▸ ▾ Does planning permission need to be in place for development finance?

Most lenders require full planning permission before offering finance, although some may proceed with outline permission.

▸ ▾ How long are development loans?

Development loan terms can last up to 24 months, depending on the project’s complexity. Simple refurbishments may need only a 6-month loan, while more extensive new builds could require the full 24 months.

▸ ▾ What is Joint venture development finance?

Joint venture development finance involves a partnership between a developer and a financier, where the financier covers up to 100% of the project costs in exchange for a profit share upon completion. These arrangements typically use a Special Purpose Vehicle (SPV) for legal and financial management.

▸ ▾ In what stages is development finance released?

Development finance is released in stages, starting with the land loan, followed by construction funding, which is allocated based on project progress and quality. Timely completion of each stage is crucial to ensure smooth funding flow and project success.

▸ ▾ How do you calculate the profit on the GDV?

Profit on GDV is calculated by subtracting total project costs from the Gross Development Value and then dividing by the GDV. This metric helps assess the profitability and risk of a project, with lenders typically looking for a profit margin around 20%, though this can vary based on location and project scope.

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