Funding for
Property development funding
A development can stall for the want of capital that has nothing to do with the build — a deposit to secure a site, the equity a senior facility wants you to bring, early planning and holding costs, or a gap between stages. Lienhouse releases that capital against property your company or trust already owns, in days rather than the weeks a bank takes, so the project keeps moving.
Indicative only — subject to assessment. Placeholder figures.
Where a development stalls for want of capital
The build is rarely the first problem. A site needs a deposit before it is lost to another buyer. A senior facility expects you to bring a meaningful share of the cost from your own equity before it will advance anything. Planning, approvals, holding costs and feasibility work all fall due well before the first drawdown. Or a gap opens between stages, or between a completed sale settling and the next one starting. None of this is the construction itself — it is the capital around it, and the bank that funds the project will usually take weeks to move on any of it.
How equity in property you already own funds the next stage
Lienhouse releases capital against property your company or trust already holds — a second mortgage or caveat behind your existing mortgage, or bridging finance to cover a timing gap — without refinancing the facility you already have. That capital can fund a site deposit, the equity contribution a senior facility asks you to bring, early project costs, or a residual where the stack falls short. It is assessed on the security, the project and the exit, not on income or pre-sales. Where the project needs the larger staged facility — development finance, construction funding with progressive draws, mezzanine above the senior debt, or finance against the land itself — that is a structure we scope with you separately, rather than something this faster equity-and-timing capital replaces.
When this works — and when it doesn’t
This suits a developer with real equity, a credible feasibility and a clear, costed exit — end-sales, or a refinance to a residual-stock or investment facility once the project completes. It is precise capital for a defined gap, repaid from a known event.
It does not suit a speculative site with no approval path, or a project whose end value will not clear its costs and the debt. Rolling more debt onto a deal that does not stack only enlarges the loss. If the numbers are tight, that is a conversation for your accountant and quantity surveyor before it is one for funding.
What we’ll need to move
Four details to start: the amount, the security, the purpose and your timeframe. Light documents follow as the enquiry firms up — a rates notice, photo ID, a current-mortgage statement, and the project outline or feasibility as it comes together. We come back with indicative terms in 24 to 48 hours and can settle in days, subject to assessment. Full rate and fee specifics sit on our rates and fees page.
- Developers with equity in property and a clear, costed exit
- Funding a site deposit, an equity contribution or early project costs
- Covering a timing gap between stages, settlement or sales
- Companies or trusts that need capital faster than a bank can move
- Owner-occupier consumer borrowers — business-purpose lending only
- A site with no development-approval path, feasibility or realistic exit
- A project whose end value won't clear its costs and the debt
How it compares
FAQ
Can you fund a property development?
We release capital against property you already own — a second mortgage or caveat behind your existing mortgage, or bridging for timing — to fund a deposit, a site, early costs or a gap in the stack. A full progressive-draw construction facility is a structure we scope with you separately.
Can existing equity count as my development contribution?
Often, yes. Equity in property you or your trust already hold can fund the deposit, or the contribution a senior facility expects you to bring, subject to assessment of the combined position.
Do you need pre-sales or full financials?
Not to start. We assess the security, the project and the exit rather than income, so an enquiry can move on the asset and a clear exit before the full feasibility pack is finalised.
How fast can it settle?
Often within days once we have the security details, the project outline and a clear exit — the point of this funding is to keep the project moving while a bank is still assessing.
What about the larger construction facility?
Where you need staged construction drawdowns against a quantity surveyor's schedule, that is a separate structure we scope with you. This page is about the faster equity-and-timing capital against property you already own.
Fund the next stage of your development.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
You deal with us start to finish.
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