Ground-up and heavy refurbishment funding, staged against build cost and gross development value (GDV) — released in tranches as work completes.
Whether it's a single self-build or a multi-unit scheme, funding is staged against verified build cost and projected value, not paid out in one lump sum.
New-build schemes from land purchase through to practical completion, with funds released in stages as work progresses.
Structural works, extensions, and conversions that go beyond what a standard mortgage or light-refurb bridge will fund.
Whether this is your tenth scheme or your first, we match the case to lenders whose appetite fits your track record.
Site cost, build cost, projected GDV, and your development experience — either through our calculator below or a call with the team.
We match your scheme against development lenders whose appetite fits the project size and your track record.
Initial funds released, with further tranches drawn down as build stages are independently verified.
Scheme complete — funds repaid via sale, or refinanced onto an investment or commercial mortgage.
Estimate loan-to-cost and loan-to-GDV for your scheme. This is a guide only — not a loan offer.
In stages — an initial drawdown, then further tranches released as build stages are independently verified by a monitoring surveyor.
Not always. First-time developers can access development finance, though loan-to-cost ratios and lender choice are often more conservative than for experienced developers.
Loan-to-cost measures the loan against your total build cost; loan-to-GDV measures it against the projected value once complete. Lenders assess both.
Typically through sale of the completed units, or by refinancing onto a term commercial or buy-to-let mortgage if you're retaining the property.
Ace Finance UK arranges unregulated finance products only, including commercial mortgages, bridging finance, and development finance. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it. Calculators on this site provide estimates only and do not constitute financial advice or a loan offer.
Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated mortgage contracts and do not provide regulated financial advice of any kind.