Whether you’re planning a large-scale construction project or refurbishing an existing site, land development finance provides the funding backbone to bring your vision to life. At TMS Finance, we support property developers and investors with bespoke development loans tailored to every stage of the journey—from land acquisition to completion.
What Are Land Development Loans?
Land development loans are specialist funding products designed to finance the purchase and improvement of land, as well as the costs of building residential, commercial, or mixed-use developments. These loans can cover everything from site acquisition and groundworks to construction and final refurbishment.
How It Supports Property Developers
Access to fast, reliable development finance allows you to secure prime land, keep contractors on schedule, and respond flexibly to changing conditions on-site. Whether you’re building new homes, converting office space, or upgrading an existing property, development finance ensures your project doesn’t stall due to funding gaps.
Key Benefits
- Fast Access to Capital: Secure funding for time-sensitive land acquisitions and build schedules.
- Stage Payments: Funds are typically released in stages, in line with project milestones and valuations.
- Higher Loan Amounts: Lenders assess Gross Development Value (GDV) to offer funding beyond the land’s current worth.
- Flexible Structures: Options include senior debt, mezzanine finance, and bridging loans to suit your capital stack.
Types of Development Finance We Offer
- Ground-Up Development Loans: For new builds on undeveloped land.
- Heavy Refurbishment Loans: For extensive property overhauls and structural changes.
- Light Refurbishment Loans: For interior updates and non-structural improvements.
- Conversion Finance: For changing use class (e.g. office to residential).
Who It’s For
Land development loans are suited to experienced property developers, construction firms, or investors working on residential housing, commercial buildings, or mixed-use schemes. Many lenders require a strong track record and detailed development appraisals, although we also assist new developers with the right support network.
Why Work with TMS Finance?
At TMS Finance, we understand the pressures and complexities of development. We work with specialist lenders who move quickly, understand planning risk, and support ambitious projects from acquisition through to exit.
Our team can structure deals around your exact needs—whether you’re looking for maximum leverage, minimal equity input, or staged drawdowns that align with your build programme.
Let’s Build Your Vision
From first plot to final fit-out, TMS Finance is here to support your land development goals. Speak to our expert team today and discover how the right funding can unlock your site’s full potential.
