Alphakey Mortgages

Development Finance

Funding Built Around Your Project

If you’re building, converting, or refurbishing property for profit, development finance gives you the funding flexibility to bring your project to life. Whether you’re a first-time developer or an experienced builder, this type of short- to mid-term funding is designed specifically for property development at all scales.

At Alphakey Mortgages, we provide whole-of-market access to competitive development finance solutions for residential, commercial, and mixed-use projects across the UK. From site acquisition to ground-up builds, our expert advisers deliver tailored funding packages and fast, reliable support at every stage.

Development Finance FAQs

What is development finance?
It’s a short-term loan used to finance property construction or major refurbishments. It typically covers land purchase and build costs, with funds released in phases.
Loan amounts are usually based on a percentage of the Gross Development Value (GDV) and build costs. We work with lenders who consider up to 70–75% of GDV, subject to criteria.
Not always. While some lenders prefer experienced developers, we also work with lenders open to first-time applicants—especially when backed by a strong professional team.
In stages, often following site visits or surveyor sign-off. This staged drawdown aligns with your project milestones and helps control cash flow.
Yes. In addition to finance, we can connect you with trusted professionals including project managers, solicitors, and surveyors to support your development.

Why Use Development Finance?

Fund Builds and Major Renovations

Ideal for new builds, conversions, and extensive refurbishments—development finance is structured to meet the cash flow needs of your build schedule.

Flexible Drawdown Options

Funds are typically released in stages based on project progress, helping you manage costs efficiently without overborrowing upfront.

Solutions for All Experience Levels

Whether you’re a first-time developer or managing a multi-unit scheme, we source funding suited to your background and the complexity of your project.

Support With Exit Strategy Planning

We’ll help you structure a clear exit route—whether via sale, refinance, or long-term letting—and can assist with arranging term finance after completion.

Our Mortgage, Lending & Protection Services

Residential Mortgages

Access to residential mortgages from all UK lenders.

Buy-To-Let Mortgages

Buy-to-let, limited company, HMO, and holiday let mortgages.

Specialist Lending

We offer flexible lending solutions for unique situations

Mortgage Protection

Cover your mortgage if life takes an unexpected turn.

Life Insurance

Protect your family’s future, no matter what.

Insurance & Protection

Personalised cover for life, income, health, home, and more.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.