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Development finance

Our product is designed for small and medium-sized developers who are underserved by high street and private banks. We transact quickly and efficiently on greenfield projects, new build residential developments, and brownfield major renovations and conversions.

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Key product features

  • £1m to £7.5m loan sizes
  • Initial loan-to-value up to 70%
  • Loan-to-cost up to 85%
  • Loan-to-GDV up to 65%
  • Up to 100% of build costs
  • Terms up to 24 months
  • 30 units or less of up to £1.5m value per unit

Where and when we will lend

  • Properties in England and Wales
  • Residential and mixed-use developments
  • Developers who have completed at least two similar projects
  • Sole traders, Ltd Companies, and LLPs
  • No missed payments in the last 12 months
  • No CCJs over £1,000 in the last three years

A one stop shop for specialist finance

We’ve proudly helped many clients with every financial phase of a property’s development. For example, some have acquired a plot of land through a West One bridging loan, and then started to build with the help of our development finance. We can then support developers to sell at the right price with a ‘development exit’ bridge.

Whatever the scenario, we offer bespoke solutions to help property developers get from site identification through to sale or rental.

Gain a broad view with our
small business guide

You might be a small business or individual developing properties that you’ll eventually sell or rent. Maybe you’ve had a cash windfall or need to expand your current business.

Whatever your situation, our Small Business Guide to Property Finance takes a detailed look at the various types of funding available for smaller property developers and semi-professional landlords – advising how you can best enter the exciting world of property development.

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Are you working on behalf of a property developer?

To talk to us about what we can do for you and your client or simply learn more about what West One has to offer, get in touch today.