When considering a loan, lenders evaluate factors such as your experience as a developer, credit profile, the project’s scope, demand in the location, land and development costs, profitability, gross development value (GDV), and your repayment plan. Crucially, they also consider how much cash or equity you’re contributing.

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Here’s a typical overview for ground-up development finance:

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• Locations: UK 

• Maximum Loan to Cost (LTC): Up to 90%

• Minimum Loan: £100k

• Maximum Loan to GDV (LTGDV): Up to 75%

• Rates: From BBR +4.99% per annum

• Term: Up to 48 months, with JV and equity options available