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VAST Commercial Finance offer several solutions for property developers. These cover everything from light and heavy refurbishment of existing property through to fully blown property developments that require land acquisition, planning and construction.

Property development projects tend to be highly bespoke in nature and our huge panel of lenders ensure that we can offer you the right solution.

Property Development Finance

Property Development and Refurbishment loans are provided from £50K upwards.

A brief synopsis of current key underwriting criteria:

  • All residential Property Types supported – Houses, Terrace, Mews, Flats

  • Applications should be supported by good evidence of demand in the local area

  • If properties are to be retained on completion a long-term re-finance option can be provided

  • Mixed use and commercial schemes can be supported subject to a demonstrable demand on completion

  • Developments should demonstrate sufficient margin to absorb any possible future reduction in the anticipated Gross Developed Value (GDV) of the project.

  • The borrower or proposed main contractor should have a good CV and be able to demonstrate experience in the sector.

Under normal circumstances we provide loans equivalent to 70% of the estimated GDV of the project however, for experienced developers and if additional security is made available, we can often provide funding up to 100% of all site purchase, development and finance costs.


We can also introduce Mezzanine Loans secured on a 2nd charge to provide any additional “top up” funding.

Short-Term Bridging Finance

If you have a need for a short-term loan and need the funds quickly, then we can provide funding for any legitimate purpose with terms ranging from 1 day to 24 months.

Obtaining Bridging Finance is a relatively simple process and loans can be secured on both Residential & Commercial Property Assets and Land & Development Sites. In some cases, we can take other Assets as security.

Some potential uses of Bridging Loans are:

  • Purchasing a “bargain” property at below market value

  • Purchasing a property which is deemed “un-mortgageable” and requires significant refurbishment

  • Moving home before your current property is sold

  • Purchasing a property at auction and needing funds quickly to complete on the purchase

  • Raising cash to buy a Business, Purchase Stock or perhaps buy out a Business Partner

  • Raising cash to pay a Personal or Business Tax bill

  • Raising cash to stave off a repossession order

We can move swiftly and often have the Loan Offer issued the same day. Funds can be drawn down within a matter of days normally and our experienced team will assist with all the necessary administration and valuations in order to ensure a smooth process.

Do you have a question? Contact us

We are here to assist. Contact us by phone, email or via our social media channels.

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