MW Capital Advisory specialises in structuring comprehensive development finance solutions for property developers across the United Kingdom. From the initial land acquisition phase through to the project's practical completion, we arrange funding for residential and mixed-use development schemes of all scales. Our financial products, including bespoke property development loans, are designed to support your project's entire lifecycle, ensuring a clear path from planning to exit.
Decision in principle within 24 hours on suitable schemes — terms issued in days, not weeks.
We provide a range of tailored funding options to meet the specific requirements of your project. We understand that each development is unique, which is why we offer specialised financial instruments, including targeted property development loans, to ensure your project's success. Our key services include:
We secure funding for new-build residential and mixed-use schemes. Finance is typically released in staged drawdowns, certified against the progress verified by a quantity surveyor.
Learn more →We arrange finance for converting office, retail, and industrial properties into residential units, covering schemes under both permitted development rights and full planning permission.
Learn more →Our services include bridging and development finance for land purchases, both with and without planning consent, to support strategic land acquisition and subsequent development.
Learn more →For larger schemes, mezzanine finance acts as top-up funding behind a senior lender. This solution is ideal for bridging the equity gap and maximising leverage.
Learn more →Lenders underwrite development finance based on the Gross Development Value (GDV) of the completed project, rather than the site's current value. This forward-looking approach is fundamental to securing competitive property development loans. The primary metrics considered are:
In addition to these financial metrics, lenders will rigorously assess the developer's track record, the project's planning status, the quality of the professional team involved (architects, contractors), and the viability of the proposed exit strategy, whether through sales or refinancing. MW Capital Advisory works with both seasoned developers and those undertaking their first project, helping to build a compelling case for funding.
For first-time developers, the quality of the professional team and the planning consent is often more important than personal track record. Read our guide for first-time developers.
Before we take any development to our lender panel, we stress-test it against the same metrics the lenders will use. If your scheme clears these hurdles, we can usually find competitive terms — and if it doesn't, we'll tell you what to fix before you spend money on applications. Our core lending parameters:
Total borrowing (senior + mezzanine) capped at 75% of the completed Gross Development Value. Experienced developers typically achieve 70-75%; first-timers 65-70%.
Schemes need a minimum 20% projected profit on GDV after all costs, including build, finance, fees and contingency. Leaner schemes get declined at credit.
Up to 90% of total project cost with a mezzanine layer behind senior debt. Clean, well-evidenced appraisals unlock the best LTC terms.
Funds released against certified work in progress, verified by a monitoring surveyor or QS. Interest can roll up — no monthly payments during the build.
A clear route to repaying the loan: unit sales with evidence of local demand, or refinancing onto a term product at practical completion.
Seasoned developers get the sharpest terms, but first-timers are funded every day — a strong professional team and solid planning go a long way.
Run your numbers through our development viability calculator. It applies the same test we do — the 75% LTGDV ceiling and the 20% profit on GDV threshold — so you can see whether lenders will view your scheme as fundable before you apply.
The developers who get funded fastest are the ones who arrive prepared. Before submitting your scheme, have these to hand — a complete pack means we can issue a decision in principle within 24 hours:
GDV with comparable evidence, build costs, land value, contingency (10%+), units and square footage.
Full planning consent or permitted development evidence. Outline planning works for land finance.
A portfolio of completed projects, or for first-timers: CV, professional team details and evidence of property experience.
Architect, contractor (with build contract or quotes), and monitoring surveyor or QS where required.
Sales timeline with local demand evidence, or refinance route onto a term product at completion.
Borrowing entity (SPV or trading company), personal details for AML, and proof of deposit funds.
Send the pack to marcus@mwcapitaladvisory.co.uk or submit it through our enquiry form and you'll have a decision in principle within 24 hours.
Want proof rather than promises? See how we've structured real schemes — from a £407k care-home-to-flats conversion funded in 4 weeks to a £12m gated residential development with a deferred deposit structure. Every case includes the facility size, LTGDV, timeline and structure.
View Our Case StudiesWe work with a panel of 40+ development finance lenders — from specialist development banks and private debt funds to mezzanine providers — to match the right lender to your scheme. Not every lender suits every deal, and because we're whole-of-market, we're not tied to any of them. Here's the range we access:
Dedicated development finance providers with ground-up and conversion expertise. Typically 65-75% LTGDV, £250k to £25m+.
For larger schemes (£2m+) and clients with existing banking relationships. More flexible on structure, competitive on rate.
Institutional investors funding development through specialist managers. Higher risk appetite, useful for complex or non-standard schemes.
Second-charge lenders that sit behind senior debt, taking the total facility to 75-80% LTGDV. For schemes where senior debt alone isn't enough.
We don't just submit to one lender and hope. We review your scheme, identify the 2-3 lenders whose criteria and appetite best match your deal, and present it to all of them simultaneously. This gives you the best terms and the fastest timeline — without the risk of a single-lender decline.
For developers seeking property development loans, presenting a robust and detailed proposal is paramount. We assist our clients in preparing comprehensive appraisals that clearly outline the GDV, build costs, land value, and unit specifications. With a clear understanding of your goals, we can identify the most suitable lenders and financial structures to ensure your project is funded effectively and efficiently from start to finish.
Send us your appraisal — GDV, build costs, land value, and units. We'll tell you what's achievable and from which lenders.
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