Ground-Up Development Loan

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What is a Ground-Up Development Loan?

This loan funds the construction of a property project from the ground up, covering land purchase and full build costs. It is specifically structured for large-scale residential or commercial developments.

Types of Ground-Up Development Loans

These include senior debt loans for main project funding, mezzanine finance to cover funding gaps, and equity partnerships for joint ventures.

Define the Project

Outline your project scope, timeline, and funding requirements.

Choose the Right Finance Type

Commercial mortgages, bridging loans, or development finance.

Get a Property Valuation

To assess risk and determine how much you can borrow.

Apply and Secure Terms

Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.

Draw Down Funds and Manage Repayments

Funds are released, either as a lump sum or in stages (especially for development projects).

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At Compare Property Finance, we make it easy to compare property based lending options from leading UK lenders.

Whether you're looking for commercial mortgages, property development finance, bridging loans, buy-to-let mortgages, or any other type of property funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

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Benefits of Ground-Up Development Loans

They provide substantial capital for new-build projects, enabling developers to take on large, profitable schemes without tying up personal funds.

Typically used by experienced developers building housing estates, apartment blocks, or commercial buildings.

Things You Need to Know

Lenders demand detailed feasibility studies, cost appraisals, and planning permission. Projects must demonstrate profitability and strong exit strategies.

FAQs

How much can I borrow?

Often up to 70% of gross development value (GDV).

Is planning permission required?

Yes, usually before approval.

Do lenders release funds in stages?

Yes, linked to independent monitoring surveys.

Can smaller developers apply?

Yes, but experience strengthens applications.

What’s the typical term?

12–36 months.

Disclaimer: Compare Property Finance helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over. Guarantees and Indemnities may be required.

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over. Guarantees and Indemnities may be required. Spark Finance may receive commission from lenders which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).