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Development Finance

Specialist funding for residential, student and commercial development schemes across the UK.

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£2 - 45 Million

Facility Size

Up to 36 months

Term

UK-Wide

Coverage

What we lend against

Residential Development

To support heavy refurbishment, or development of existing or proposed sites to be retained or sold as residential housing.

  • The loan amount is between £2-45m with a maximum term of 36 months
  • Max LTC is 85%
  • Max LTGDV is 70%
  • There may be a small commercial aspect to the development
  • Up to 60% of the land value may be lent on day one

Download factsheet

Student Development (PBSA)

To support heavy refurbishment or development of existing or proposed sites to be retained or sold as purpose-built student accommodation (PBSA).

  • The loan amount is between £2-45m with a maximum term of 36 months
  • Max LTC is 75%
  • Max LTGDV is 60%
  • Up to 60% of the land value may be lent on day one

Download factsheet

Commercial Pre-Let Development

To support with heavy refurbishment or development of existing or proposed commercial sites with a pre-let in place to a reputable occupier.

  • The loan amount is between £2-45m with a maximum term of 36 months
  • Max LTC is 85%
  • Max LTGDV is 65%
  • Up to 60% of the land value may be lent on day one

Download Factsheet

Build-to-Rent

Our build-to-rent loan supports you with the development or heavy refurbishment and subsequent retention of existing or proposed sites with suitable planning permission for operation as a build-to-rent asset.

  • The loan amount is between £2m-45m with a maximum term of 60 months 
  • Max LTC is 80%
  • Max LTGDV is 70%
  • Funds are released against monitoring surveyor reports
  • Rolled interest with a bullet repayment on exit
  • The loan is subject to arrangement, flip and professional fees

Download Factsheet

How to finance your property development project

A property development loan is based on the viability of a project and its potential to produce revenue and profits.

Finance is also subject to appropriate planning permission.

As a starting point, these factors will determine eligibility to qualify for our finance options:

  • Lend across mainland UK
  • The loan amount is between £2-45m
  • You have relevant experience 

Various aspects are assessed during the application process, including build type, valuation, track record, borrowing circumstance and security. 

Once all of the above is considered, funding is granted upon completion of the following steps: 

  • An on-site visit to discuss your requirements
  • We provide our non-credit-backed heads of terms
  • If you’re satisfied with our terms, sign and return
  • We submit to credit and receive a sanction 
  • Solicitors and valuers review all the legal requirements
  • You’re ready to drawdown your loan
Development Finance

Development loan delivered to reimagine former Suffolk Magistrates Court

We provided a £4m residential property development loan to Old Shire Hall Developments Limited (OSHDL), enabling the transformation of a former magistrate's court in Suffolk.

£4m
Facility
58%
LTV
21 months
Terms

“It's always a pleasure partnering with the team at Secure Trust Bank. They offer a wealth of expertise in residential property finance, understand the potential challenges of redeveloping listed buildings and always personalise their services to our needs.”

— Austin Cornish, director at Old Shire Hall Developments Limited

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Specialists who know your sector.

Meet the team
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Ben Hodis

Head of Development & Investment Finance

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Ben Hodis

Head of Development & Investment Finance

Ben joined Secure Trust Bank in 2022 as a Relationship Director. Ben was appointed as Head of Origination in March 2025. Ben has two decades of real estate lending experience alongside a period conducting client facing broking.

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Vinod Vijaya

Senior Relationship Director

Vinod Vijaya

Senior Relationship Director

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Alan Coleman

Relationship Director

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Alan Coleman

Relationship Director

Alan joined Secure Trust Bank in March 2025 as a Relationship Director. Alan has 9 years of Real Estate Lending experience including investment, development and bridging.

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