Property development finance

Short-term residential, mixed-use, and commercial property development finance from £150,000 - £6 million.

What sets us apart

property
£172m

of funds to support projects in Wales.

  • Finance for up to 100% of building costs
  • Quick decision making from a dedicated property team
  • Interest allowed to roll-up throughout the loan term
  • A single point of contact to help you navigate the entire process

How we can help

We can provide a range of tailored funding solutions for commercial property developers looking to develop new office and/or industrial property in Wales.

Applications for speculative (aka advanced build) developments without any pre-lets or pre-sales are welcome.

We want to help small to medium-sized developers continue to make a big impact in Wales, so we’re offering a number of tailored loans for all kinds of residential property developments. Plus, you can get up to 2% reduction in loan fees for residential developments that meet green standards

Applications for speculative developments without any pre-sales interest are welcome.

Mixed use property is on the rise across Wales. And not just in larger towns and cities. If you’re looking to move forward with plans to build a combined commercial and residential property, start by talking to us.

We offer a range of finance options and loans to help get you started. Whether you’ve already got firm plans in place or you’re just at the very start of the process, we can offer a solution that caters to all needs – for speculative and non-speculative developments.

We can provide a range of tailored funding solutions for commercial property developers looking to develop new office and/or industrial property in Wales.

Applications for speculative (aka advanced build) developments without any pre-lets or pre-sales are welcome.

We want to help small to medium-sized developers continue to make a big impact in Wales, so we’re offering a number of tailored loans for all kinds of residential property developments. Plus, you can get up to 2% reduction in loan fees for residential developments that meet green standards

Applications for speculative developments without any pre-sales interest are welcome.

Mixed use property is on the rise across Wales. And not just in larger towns and cities. If you’re looking to move forward with plans to build a combined commercial and residential property, start by talking to us.

We offer a range of finance options and loans to help get you started. Whether you’ve already got firm plans in place or you’re just at the very start of the process, we can offer a solution that caters to all needs – for speculative and non-speculative developments.

Through the Wales Commercial Property Fund we can provide repayable loan funding for new office and industrial developments in Wales.

  • Loan sizes from £250,000 to £5 million
  • Loan terms of up to five years
  • Speculative and non-speculative schemes (ie with or without pre-lets/pre-sales) are eligible

Grant funding is available alongside our repayable loans. Get in touch with our Property Team to find out more. 

Want to know more?

If you're interested in applying for property development finance and want to know more contact us and we can put you in touch with one of our property experts. See also our FAQs on property loans.

Through the Wales Property Fund we can provide loans for residential and mixed-use developments in Wales.

  • Loans up to 65% of Gross Development Value (GDV), including up to 100% of build costs
  • Loan sizes from £150,000 to £6 million
  • Loan terms of up to two years
  • Up to 2% green incentive reduction in fees

Investment criteria

We are only able to support projects based in Wales.

Before we can help you, you’ll need to provide us with the following:

  • Copy of the planning permission confirming approval for what you’re planning to develop.
  • Summary of your development plans & projected costs.
  • Breakdown of the expected Gross Development Value (i.e. the end values once completed).
  • Summary of previous development experience for you and the key individuals involved.

Want to know more?

If you are interested in applying for finance and want to know more contact us and we can put you in touch with one of our experts. See also our FAQs on property development finance.

We're offering a reduction of up to 2% on residential development loan fees if all of the following green criteria is incorporated into new builds, or a smaller reduction when meeting one or more:

  1. EPC A Rating / Passivhaus status
  2. Non-concrete structures
  3. Non-fossil fuel heating system

Find out more about our Green Homes Incentive 

Through the Stalled Sites Fund we can provide loans for residential developments in Wales that are unable to be progressed with traditional development funding.

  • Loans up to 75% of Gross Development Value (GDV), including up to 100% of build costs.
  • Loan sizes from £150,000 to £6 million.
  • Loan terms of up to four years.

Investment criteria

We are only able to support projects based in Wales.

Before we can help you, you’ll need to provide us with the following:

  • Copy of the planning permission confirming approval for what you’re planning to develop.
  • Summary of your development plans & projected costs.
  • Breakdown of the expected Gross Development Value (i.e. the end values once completed).
  • Summary of previous development experience for you and the key individuals involved.
  • Clear explanation of the issues that have caused the site to stall / the reason why it cannot be progressed with traditional development funding.

Want to know more?

If you are interested in applying for property development finance and want to know more contact us and we can put you in touch with one of our property experts. See also our FAQs on property loans.