Development Finance
Get your project moving with development finance that works. Quick decisions, flexible funding, and expert support from start to finish.
Clever Mortgages is now part of Oak Mortgages Limited.
Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.
👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.
See if you pre-qualify for a mortgage
Development Finance
The right funding makes your project work. Whether you’re building, converting, or refurbishing, we structure development finance to suit your plans.
Access specialist lenders, competitive rates, and stage payments aligned to your build—keeping your cash flow on track from start to finish
- Access to exclusive, market leading rates
- Borrow up to £50m
- Up to 70% LTGDV / 90% LTC
- Ground-up, conversion and heavy refurbishment projects
- Staged drawdowns and IMS-led monitoring
- Funding for single units, multi-unit and phased sites
- Experienced and first-time developers accepted
- SPVs, LLPs, LTDs and joint ventures accepted
- Rolled or part-serviced interest options
- England, Scotland, Wales and Northern Ireland
- No early repayment or exit fees (with most lenders)
- Mezzanine or stretch senior options available
What Makes Us Different?
When you need development finance, you need more than just the right rate; you need someone who understands build costs, timings and exactly how funding should be released.
That is why Clever Lending match your project to the right lender and agree on a funding structure that reflects how the build will actually be delivered, ensuring money is available when you need it.
Whether you’re converting an existing property or taking on a ground-up scheme, their team takes the time to understand your future plans and structures the funding so it stacks up, even when the scaffolding comes down.
Mortgage application process
4 simple steps for applying for a mortgage. See more about the mortgage application process here
Complete our
pre-qualify form
Let us know a few details about the mortgage you require
A mortgage specialist will call
One of our brokers will call and get a few more details of your requirements
We search for your perfect mortgage
We will search the market for the best rates for your circumstances
A Decision in Principle is made
We will secure a DIP with a lender, if you approve we move forward with a full application.
Whatever your mortgage goal, there will be something for you
We're on a mission to save you money on your mortgage
- Over 100 lenders
- Personalised Advice Service
- 1000s of products and access to exclusive rates
- Tailored recommendations to your individual needs
- We do the application on your behalf
- Secure Online Portal for document upload
- We liaise with all parties on your behalf
- Helping you even where others have said no
- Excellent Reviews
Arrange a callback
We specialise in helping people find a mortgage and remortgage.
We require your details only once and we’ll know the best lenders for your circumstance and give you the best rates.
What should I do next?
There are many ways to contact us
Enquire online – our simple online form takes just a few minutes.
Give us a Call – our qualified advisers will assess what you are looking and do all the hard work for you searching the market – 0330 232 0285.
Ask for a callback – havent got time now? Ask us to call you back and a time / day convenient to yourself. Call me back.
LiveChat – message us here and tell us what you are looking for our agents are on hand to help.
Below are some of the lenders we work with
Clever Mortgages is now part of Oak Mortgages Limited.
Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.
👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.
