Ground-Up Development
Ground-Up Development Finance
Structured development funding for residential-led schemes across England & Wales.
Our ground-up development finance supports experienced developers delivering residential-led schemes — from single-unit and small housing schemes to multi-unit apartment developments. We structure facilities around the site, the build programme and a credible exit, and can support site purchase and exit through our bridging and finish & exit products.
How facilities are structured
Development facilities are sized against total cost and gross development value, with a day-one land advance and staged build drawdowns released against monitoring surveyor reports. Gross and net facility, initial advance and the drawdown schedule are agreed at outset.
Experience and team
We place weight on completed development experience and a capable professional team. Planning status, fixed-price build contracts, contingency, pre-sales and comparable evidence all inform our assessment.
At a glance
Indicative only- Rate from
- 8.00% per annum
- Max LTV
- Up to 65% LTGDV / 90% LTC
- Loan size
- £500,000 – £25,000,000
- Term
- 6 – 36 months
Key features
- Residential-led development schemes
- Site purchase and build cost funding
- Structured against total cost and gross development value
- Staged drawdowns monitored by a surveyor
- Lending across England & Wales
Published Criteria
Indicative criteria
Indicative only — subject to underwriting, credit approval and independent valuation. These figures do not constitute a formal offer of finance.
Explore this facility for your transaction
Charter HCP Bridging is not authorised or regulated by the Financial Conduct Authority. We only consider business-purpose and other unregulated lending. We do not offer regulated residential mortgage contracts or consumer loans. All finance is subject to status, valuation, legal due diligence, credit approval and satisfactory documentation. Submission of an application does not constitute an offer or guarantee of finance.