Are you looking for specialist support in development finance? Don’t worry. Our UK experts at Baron & Cabot are here to help you plan the process easily. Make the right choices, along with achieving investment objectives without any fear.
Hear from clients
around the world
Discover what others say, share your experience & guide future clients.
Take a look at Baron & Cabot’s development finance services that will help you move forward with confidence.
Top Realtor. Very hard working and smart. Always has new investment opportunities for his clients all around the world. Also looks out for the best deals so clients get the best bang for their buck.
Sep 10, 2025
Amy and Jason have been very helpful to me. Their efforts made the business process very simple. They were available and happy to answer all questions and gave very clear and helpful responses to all inquiries made and their business is very sound.. a typical of example of you sitting back and letting your money work for you. I am happy doing business with them.
Aug 8, 2025
All I can say about Amy and Tom in summary is that they are both good team players with exceptional abilities to chase and deliver . Thier swiftness to response when ever I have challenging concerns is very Unique and I am happy to continue building a long lasting bussiness relationship with them. I advice fellow Nigerians to consider Barons and Cabot properties if considering investing in the UK!.
Feb 13, 2025
Solutions optimized sales by solving integration challenges, enhancing data management, and providing cost-effective, customizable tools. Solutions optimized sales by solving integration challenges, enhancing data management, and providing cost-effective, customizable tools.
16 August
Top Realtor. Very hard working and smart. Always has new investment opportunities for his clients all around the world. Also looks out for the best deals so clients get the best bang for their buck.
Sep 10, 2025
Amy and Jason have been very helpful to me. Their efforts made the business process very simple. They were available and happy to answer all questions and gave very clear and helpful responses to all inquiries made and their business is very sound.. a typical of example of you sitting back and letting your money work for you. I am happy doing business with them.
Aug 8, 2025
All I can say about Amy and Tom in summary is that they are both good team players with exceptional abilities to chase and deliver . Thier swiftness to response when ever I have challenging concerns is very Unique and I am happy to continue building a long lasting bussiness relationship with them. I advice fellow Nigerians to consider Barons and Cabot properties if considering investing in the UK!.
Feb 13, 2025
Solutions optimized sales by solving integration challenges, enhancing data management, and providing cost-effective, customizable tools. Solutions optimized sales by solving integration challenges, enhancing data management, and providing cost-effective, customizable tools.
16 August
Key Contact
Managing Director
Got any questions regarding development finance? We have the right answers to all of them. Our firm specialises in providing development finance services. Our advisors at Baron & Cabot are always paying attention to guiding you so you can make the right decision. What we offer is clarity in our guidance and the right path, leading you towards achieving your desired outcome. Whether you’re in the planning phase or want to take a step, we will make the entire process effective for you.
But how? We have a team of specialists for every service you may need, and we make sure you stay confident throughout your journey. Isn’t that exactly what you want? Contact Baron & Cabot today for trusted support with development finance.
Professional development finance services to help you manage and achieve your goals with clarity and confidence.
Worried about hidden charges? Forget about it. We have clear pricing plans to help you make better & quicker decisions.
24/7 support so you always have access to all the answers to your questions related to development finance.
Development finance services are very important in major projects. In the UK, development finance services are all about helping projects move forward when funding is a problem.
Whether it is buying land or starting construction, projects need the right finance. However, the right level of finance isn’t everything. What matters most is having access to finances at the right time.
Our firm, Baron & Cabot, specialises in guiding our clients through this process. We do not act as a bank or as money lenders. However, we do work with trusted lenders in the UK. That’s how we help our clients secure development finance that fits their timeline, budget, and project.
Baron & Cabot offers development finance support that helps clients move projects forward with confidence and clarity. Our team helps in structuring the right funding. We also explain what the lenders expect in simple language. Most importantly, our staff gives a clear picture of costs to the clients right from the start.
At Baron & Cabot, we take care of all the paperwork for all our clients in the UK. We guide the overall development finance strategy so that projects are delivered on time without delays.
Development finance is basically a type of short-term property funding. It is used to finance the construction, refurbishment, and conversion of buildings. The typical mortgages fund the long-term ownership of a completed property. However, development finance covers a project only during the build phase.
When the project is completed, the loan is repaid either by refinancing onto a longer-term product or by the sale of the units.
The key characteristics of development finance are:
These loans are meant for property renovation and development. They basically fund the construction, acquisition, and professional fees.
The terms in development finance usually range from 6 months to 3 years. The length depends on the type and size of the development.
You won’t receive the entire loan at once. The capital is released in instalments as the project reaches the set milestones. This keeps the lender’s risk managed. The funds are available when they are needed on-site.
The loans are usually repaid when the developer sells the units. They can also be repaid if the developer refinances to long-term funding.
Baron & Cabot has strong relations with a broad range of lenders in the UK. We use our relationships to structure development finance packages. Our packages are tailored to the needs of the client.
Development finance and bridging finance are both short-term funding options. However, they serve different needs. Bridging loans are used for quick purchases. They are paid out in one lump sum for a short period.
Development finance is designed for larger projects like major renovations with bigger loan amounts. The funds are released in stages as the work progresses. This helps reduce interest costs.
Both cost more than standard mortgages. Development finance is more suited for full construction projects. At Baron & Cabot, our staff assesses each project and advises on which funding is a better fit for the client.
Property development finance allows people to grow their portfolios. It also protects their liquidity. The key benefits of development finance include the following:
The benefit is that developers can take on larger projects without tying up all of their own capital. It is common to invest around only 10% of the project cost. The remaining 90% of the cost is borrowed. This enables developers to retain funds for other opportunities. The risk exposure is also reduced this way.
Investing less capital and leveraging a development loan, the return on equity can increase. As the profit levels are only slightly reduced by the cost of borrowing, the returns per pound invested tend to be higher.
Development finance can be arranged quickly. It can also be tailored to the needs of each project. Whether the client is converting a building or purchasing land, the funding can be structured accordingly.
In development finance, funds are released in stages as per the construction schedule. This ensures that money is available when needed. It reduces the interest on unused capital.
Most lenders allow interest to be added to the loan. This helps improve cash flow as well. All of this allows developers to focus on completing the project without worrying about monthly repayments.
Baron & Cabot’s role is to make sure clients access these benefits by matching them with the right lenders. We also provide expert guidance throughout the process.
Development finance feels very complicated. The process can confuse you if it is your first project. At Baron & Cabot, we make the entire process simple by guiding our clients through lender requirements, paperwork, and funding. We want to make sure that the projects move forward without any unnecessary delays or confusion.
The lenders always want to know if a project is viable. They never release any money before confirming that the loan can be repaid. The planning permissions are checked, along with the type of project and its location. Lenders want to ensure that there is a clear plan for repaying the loan.
The loan is usually paid by refinancing into a long-term mortgage. At Baron & Cabot, we start by discussing your goals. We review the site and create a realistic exit plan that the lenders accept. This helps our clients move ahead with confidence.
Development finance usually pays only for part of the land. It also pays for almost all of the build costs, too. In simple words, the lenders release some money at the start to help buy the land. They keep on releasing more as the construction proceeds. However, they do keep the total loan within safe limits.
At Baron & Cabot, we help people figure out the timelines and clear costs. We want to make sure that the funding matches the project properly. We connect our clients with lenders who can offer higher funding.
Funds are usually released in stages to match the construction progress. The first portion of money covers the purchase of land or paying off any existing debt. The latter amounts are released as the build continues.
Our surveyors check the site at every stage and make sure the work is going well. Our firm, Baron & Cabot, coordinates with lenders and surveyors to make sure that the drawdowns happen smoothly. We want you to save time and reduce your administrative stress.
The development loans have high interest rates. They are typically between 6.5 and 9%, depending on the risk of the project, loan size, and your experience. There are also various fees, like broker, arrangement, legal, and banking fees. Our firm always keeps the costs transparent, and we negotiate with lenders when possible. We explain every fee upfront to our clients so that they know exactly what to expect.
The loan must be repaid when the development is finished. It has to be repaid either by selling the units or by refinancing into a longer-term mortgage. At Baron & Cabot, we help our clients plan this exit from the start. We arrange suitable refinancing and sales strategies to make sure the repayment is smooth and profitable. Proper planning helps to avoid delays. We help everyone maximise their return on investment.
Every lender in the UK has their own underwriting standards. However, some common criteria apply across the UK development finance market:
There are a few additional factors as well, such as credit history, environmental or planning constraints, etc. At Baron & Cabot, we help all our clients identify any gaps in their applications before they submit them to the lenders.
Development finance can be very helpful for developers in the UK. However, it does come with risks. The property prices can change during the build, which can affect the profits. It can also make the selling harder. The build costs can also rise. Projects can similarly face delays because of unexpected issues.
On top of all this, the funding is released in stages. This means that any delays in paperwork or inspections can slow down the cash flow. Interest rates and fees are higher than normal mortgages. Therefore, if the costs are not planned properly, then the profits can shrink.
At Baron & Cabot, we help clients reduce these risks right from the start. We check the market and help clients plan realistic budgets. Our staff makes sure that the approvals are in place. We help clients plan multiple ways to repay the loan. Our firm, Baron & Cabot, stays involved throughout the process. We manage communication with lenders and keep everything clear so that the clients remain relaxed.
We are a UK-based property investment and development consultancy firm. We work with developers, investors, and home builders. Our development financing services focus on providing end-to-end support to our clients. This is how we support developers in the UK:
We meet our clients, and we try to understand their objectives. We evaluate the site and prepare a feasibility study. This includes assessing planning status, identifying potential risks, and estimating GDV.
We work with a wide range of trusted lenders in the UK. We find funding that suits the size and needs of every client’s project. Wherever possible, we help our clients access government-backed funding options as well.
A strong application will increase the chances of approval. It also helps secure better terms. We will assist clients in preparing documents. These documents include detailed schedules of work, exit strategies, and cost breakdowns. We focus on the things that the lenders value the most.
We negotiate terms on behalf of our clients in the UK. We focus not only on interest rates but also on fees, flexibility, and drawdown schedules. Our aim is to reduce the overall cost of borrowing.
When funding is approved, we connect with the lenders and contractors to make sure drawdowns occur on time. We make sure everything is according to the development schedule. Our staff will address any issues quickly to ensure our clients don’t face any delays.
We help clients execute their exit strategy when the project is about to be completed. If there is a situation of retaining the property, we arrange long-term finance. In case there is a plan to sell, then we assist with the sales process and marketing to increase profits.
Our support does not end when the loan is repaid. We provide ongoing support to our clients for future projects, investment strategies, and portfolio growth.
If you partner with us, you will benefit from expert advice, access to trusted lenders, and services tailored according to your needs. Our goal is to make development finance accessible so that clients can focus on their work without worries.
Development finance is a short-term loan. It is used to fund the construction or purchase of a property. It is usually repaid when the project is either sold or refinanced.
Yes. Most of the lenders require full planning consent or the permitted development rights to be in place. If they are, they will release the funds.
Applications usually take about six weeks from submission to completion. The complex projects can take longer. However, working with us can speed up the process for you.
Yes. However, the lenders usually prefer applicants with experience. They also prefer a strong professional team. Our firm works with experienced and first-time developers, too. We help everyone get the right funding for their projects.
Common exit strategies that are acceptable include selling the completed units or refinancing into a long-term mortgage. The exit plan has to be achievable and clear within the loan term.
Explore the full range of services we offer and see how Baron & Cabot can support you at every step.
Looking for assistance with development finance? Below, you’ll find our office locations and contact details. You can give us a call, visit one of our offices using the address provided, or simply fill out the Enquire Now form.
