Property development financing
Property development financing
We work with developers like you all over the UK, providing tailored investment packages that empower you to step up and realise your development goals.
Whether you're an experienced property professional or an ambitious newcomer, we're passionate about working in partnership with you and building a productive relationship that's respectful and long-term.
Together, we can achieve great things.
What we finance
We're open to many development types. If we think we're the right fit for each other we'll get to know you and your goals to assess how best we can tailor a funding package to your needs.
In the past we have funded...
New-build
residential developments
Conversions, refurbishments
and PD schemes
Mixed-use and commercial developments
Site
acquisitions
Property development financing
Our approach
We work in an industry where no two projects are the same. So why should funding packages be?
The products we offer are tailored to you and your development. We look at the bigger picture, including everything from location, team experience, demand exit strategy and viability.
With all the information we need at our disposal, we deliver a funding solution that helps you move forward with confidence. We don't do quick transactions. We build solid relationships that stand the test of time and lay the foundations for a legacy of repeat work.
Funding can be structured around acquisition, development or both, with capitalised interest and staged drawdowns aligned to your build schedule.
Option one
Site acquisition loans
Experienced developers know that getting control of the right site for your scheme is the most time sensitive part of development. Our site acquisition loans are designed to move quickly, giving you the funding to secure land before or during the planning process.
We support both consented and unconsented acquisitions, including sites with positive pre-app advice or clear development potential
Key features
- Up to 60% of existing use value (EUV)
- Terms up to 18 months
- Capitalised interest options available
- Flexible exit routes including development refinance
This product is tailored for developers who are confident in their planning strategy and need short-term backing to move at pace. We'll assess the site's planning context, location, and your proposed scheme, then structure a loan to match, all while prioritising a relationship-led approach.
Option two
Standard development product
If your scheme has full planning permission in place, our standard development facility will support the acquisition and build-out of your development.
Whether you're delivering a single block or a multi-unit scheme, we'll structure a facility to fund both land and build costs with interest roll-up.
Key features
- Up to 70% Loan-to-Cost (including rolled-up interest)
- Day-one LTVs up to 65%
- Terms of up to 18 months
- Drawdowns aligned to build schedule
This facility is aimed at experienced developers with shovel-ready sites, looking for straightforward, responsive funding to get building. Taking a relationship-led approach, our team will stay close to your project from first drawdown to final exit, helping you manage risk, cash flow and momentum.
Option three
Stretch development finance
For experienced developers seeking higher leverage, our stretch development facility offers additional headroom, funding up to 100% of project costs, subject to a maximum of 65% of Gross Development Value (GDV).
This option is ideal for projects with strong fundamentals and experienced teams behind them. Funding can be used for both site acquisition and construction, with interest typically capitalised and drawdowns aligned to the build programme.
Key features
- Up to 65% Loan-to-GDV
- Day-one LTVs up to 65%
- Terms up to 24 months
- Available for new builds and large conversions
As with all our funding solutions, this facility is structured around your scheme and delivered with a focus on speed, flexibility and relationship-led service.
Speak to a relationship manager
Our dedicated relationship managers will work closely with you to understand your needs and realise your vision. Find yours today and start your development journey with us.
vmfinance@myvmgroup.com
Property development financing
Sustainable builds rewarded
We support energy-efficient, future-proofed homes. If your development achieves an EPC rating of A or meets Passivhaus standards, you could benefit from an interest rebate at exit.
