Development Finance

Fast, reliable financing for residential-led schemes.

This range is designed for experienced property developers looking to finance residential-led schemes. We strive to develop closely held relationships to give property developers certainty of finance which they can rely upon to successfully grow their business.

Product Guide   Useful Downloads

Let us help you get started

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.

Our Product Range

This development option covers heavy works to an existing building

  • Residential led schemes (commercial aspect must be less than 25% of value)
  • Funding up to 65% LTGDV and 85% LTC
  • Minimum loan size £1m
  • Maximum loan size £20m (for amounts above £20m, please contact your Portfolio Manager)
  • Initial loan-to-value up to 70%
  • Funding 100% of build costs
  • Lending across England & Wales
  • Experienced developers – minimum of 2 successful projects prior
  • Developer’s equity contribution provided at the start of the facility
Contact one of our team today to discuss your next development. 

Talk to Us

Developers are required to purchase land/building that would be demolished

  • Residential led schemes (commercial aspect must be less than 25% of value)
  • Funding up to 65% LTGDV and 85% LTC
  • Minimum loan size £1m
  • Maximum loan size £20m (for amounts above £20m, please contact your Portfolio Manager)
  • Initial loan-to-value up to 70%
  • Funding 100% of build costs
  • Lending across England & Wales
  • Experienced developers – minimum of 2 successful projects prior
  • Developer’s equity contribution provided at the start of the facility
Contact one of our team today to discuss your next development. 

Talk to Us

dev-finance-capability

Our Unique Capability

  • In-house surveying team

    There is an in-house Surveying Team which sits within the Development Finance Department who have long-term experience in surveying and construction, affording them a greater understanding of the overall development process.

  • In-house valuation team

    Our in-house Valuation Team are well-experienced, and RICS qualified. They work closely with the development team, ensuring an in-depth analysis is carried out to support the valuation provided. This allows the team to simplify the process in the early stages as they can provide a good initial estimate of a projects Gross Development Value.

  • Swift drawdown process

    Upon receipt of the Monitoring Surveyor Report funds are released within 24 hours.

  • Fast decision process

    Having been in the industry for numerous years the team have developed an adaptive and agile approach. This experience combined with the in-house valuation and surveying teams allows for a quicker and more fluid decision-making process.

  • Certainty of finance

    West One have been a lender within the industry since 2005 and therefore have a high certainty of funding. We also have full autonomy over our credit decisions rather than having to consult external funders.

  • Dedicated portfolio manager

    Having a dedicated portfolio manager for each case means we are able to take on more of a relationship-orientated approach rather than a transactional approach. This allows us to develop long-term relationships and it often means we are likely to work with clients on multiple projects. The portfolio manager will be involved from the initial enquiry, through the full construction process and ultimately, the repayment of the facility.

Development-finance Key Product Features

Key Product Features

  • Residential led schemes (commercial aspect must be less than 25% of value)
  • Funding up to 65% LTGDV and 85% LTC
  • Minimum loan size £1m
  • Maximum loan size £20m (for amounts above £20m, please contact your Portfolio Manager)
  • Initial loan-to-value up to 70%
  • Funding 100% of build costs
  • Lending across England & Wales
  • Experienced developers – minimum of 2 successful projects prior
  • Developer’s equity contribution provided at the start of the facility

Case Studies

  • Dedicated case service helps complete £1.69m development Development finance case study

    Dedicated case service helps complete £1.69m development

    In unique circumstances, West One’s customer-led approach can offer a quick and smooth journey. This is a result of our team’s vast experience coupled with...

    Read more
  • Speed and simplicity - £8m development finance in just 7 days Development finance case study

    Speed and simplicity - £8m development finance in just 7 days

    We are committed to building long term relationships with our clients and this case is a testament to that. Our team of experts dedicated property experts work...

    Read more
  • Building lending relationships - Multi product experience Bridging loans case study Development finance case study Buy-to-let mortgages case study

    Building lending relationships - Multi product experience

    With over 10 years' specialist lending experience, West One Loans offers borrowers access to a broad range of products delivered through expert service,...

    Read more

Frequently Asked Questions

Instant help when you need it

View all case studies

Meet the Development Finance Team

Guy Murray

Head of Development Finance

guy@westoneloans.co.uk +44 (0)7482 631 781

Michael Cunningham

Senior Portfolio Manager

michael.cunningham@westoneloans.co.uk +44 (0)7802 825 161

Daniele Alfano

Senior Portfolio Manager

daniele.alfano@westoneloans.co.uk +44 (0)333 123 4556

Natalie Aran

Portfolio Manager

natalie.aran@westoneloans.co.uk +44 (0)7818 798 887

Valan Redmond

Portfolio Manager

Valan.Redmond@westoneloans.co.uk +44 (0)7774 671 857

Chloe Livermore

Assistant Portfolio Manager

chloe.livermore@westoneloans.co.uk +44 (0)333 1234 556

Jamie Peacham

Assistant Portfolio Manager

jamie.peacham@westoneloans.co.uk +44 (0)7827 361 099

Jamie Delane

Development Finance Graduate

jamie.delane@westoneloans.co.uk +44 (0)208 736 2308

Development Finance Videos

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Useful Downloads

We hope you find the following resources useful. Please contact us if you require anything specific. 

Development Finance Enquiry Checklist

Latest Development Finance Blogs

  • Green shoots show in the development market Development finance

    Green shoots show in the development market

    Guy Murray - Head of Development Finance, West One Loans

    Read more
  • Smaller developers could benefit if major players stay on the sidelines and land prices decline Development finance

    Smaller developers could benefit if major players stay on the sidelines and land prices decline

    Guy Murray, Head of Development Finance

    For as long as anyone can remember us Brits have been know for our obsession with property. 

    While many of our...

    Read more
  • Developers, do you know your nitrates from your phosphates? Development finance

    Developers, do you know your nitrates from your phosphates?

    By Guy Murray, Head of Development Finance, West One Loans

    Alongside finance and healthcare, the environment is undoubtedly one of the most regulated parts of...

    Read more

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