Development finance for Bristol property developers.
Senior debt, stretch senior, mezzanine, JV equity and exit finance — sourced from 100+ specialist lenders and structured around your Bristol scheme. Indicative terms in 48 hours.
Capital arranged
Deals completed
Lender panel
Years in market
The market, in numbers.
HM Land Registry · Bristol LPA · last 12 months
100+
Lenders
Active on panel
48hr
Indicative terms
From complete enquiry
£300M+
Arranged
Across the network
90%
Max LTC
Stretch senior
The UK’s fastest-growing tech-anchored regional market — and a pipeline backed by the Mayoral Combined Authority.
Bristol is one of the UK’s strongest regional development markets. Temple Quarter — the University of Bristol’s £500m Enterprise Campus plus adjacent public-realm and residential delivery — anchors the eastern city. The Bristol Local Plan 2040 targets 33,500 new homes across the Bristol city area, with delivery concentrated in the central core and outer regeneration corridors. Bedminster Green (1,400+ homes approved) and the wider BS3 regeneration are reshaping south Bristol.
The residential comparable pipeline is deep. Harbourside BTR and mixed-use delivery has matured consistently, with institutional investors active at Finzels Reach, Wapping Wharf, and the Redcliffe waterside. Two universities — University of Bristol (c.28,000 students) and UWE Bristol (c.35,000 students) — underpin an enormous PBSA pipeline across the central core and the UWE Frenchay catchment. Filton in north Bristol is being transformed by the Brabazon masterplan — the former Filton Airfield site — delivering 6,500 homes alongside aerospace-sector employment.
I arrange development finance across every corner of Bristol and every mainstream asset class — residential, commercial, industrial, mixed-use, PBSA, BTR, hotel, care home, retail, and office. Facility sizes from £500K to £20M+. One specialist broker, the full lending stack, indicative terms in 48 hours.
Every product, the real numbers.
Indicative ranges pulled from live lender positions — market conditions and borrower profile shift these every month.
| Product | Facility | LTC | LTGDV | Rate (pa) | Term |
|---|---|---|---|---|---|
Senior Development Standard product. New build, conversion, refurb. Day-one land + staged build drawdown. | £500K – £30M | up to 70% | up to 65% | 7.0 – 9.0% | 12 – 24m |
Stretch Senior Capital-efficient. For experienced developers with proven track record. | £750K – £25M | up to 85% | up to 70% | 7.5 – 10.0% | 12 – 24m |
Mezzanine Second-charge behind senior. Bridges the equity gap on larger schemes. | £250K – £10M | up to 90% | up to 75% | 10 – 15% | 12 – 24m |
JV Equity Equity partner into the SPV. For proven operators scaling deal flow. | £500K – £20M | up to 100% | negotiated | Profit share | Project life |
Development Exit Refinance senior on practical completion. Release equity while you sell. | £500K – £25M | — | up to 75% | 6.5 – 8.5% | 6 – 18m |
Conversion / Refurb Light refurb, heavy refurb, commercial-to-residential, PDR conversion. | £250K – £10M | up to 75% | up to 70% | 7.5 – 10.5% | 6 – 18m |
Senior Development
Standard product. New build, conversion, refurb. Day-one land + staged build drawdown.
Facility
£500K – £30M
LTC
up to 70%
LTGDV
up to 65%
Rate
7.0 – 9.0%
Stretch Senior
Capital-efficient. For experienced developers with proven track record.
Facility
£750K – £25M
LTC
up to 85%
LTGDV
up to 70%
Rate
7.5 – 10.0%
Mezzanine
Second-charge behind senior. Bridges the equity gap on larger schemes.
Facility
£250K – £10M
LTC
up to 90%
LTGDV
up to 75%
Rate
10 – 15%
JV Equity
Equity partner into the SPV. For proven operators scaling deal flow.
Facility
£500K – £20M
LTC
up to 100%
LTGDV
negotiated
Rate
Profit share
Development Exit
Refinance senior on practical completion. Release equity while you sell.
Facility
£500K – £25M
LTC
—
LTGDV
up to 75%
Rate
6.5 – 8.5%
Conversion / Refurb
Light refurb, heavy refurb, commercial-to-residential, PDR conversion.
Facility
£250K – £10M
LTC
up to 75%
LTGDV
up to 70%
Rate
7.5 – 10.5%
Sanity-check your scheme in a minute.
Drop in your GDV, build costs and term. The calculator is pre-set at market-typical senior ratios (70% LTC / 65% LTGDV) so the output reflects what Bristol lenders are quoting this month, not last cycle.
For a tailored quote with live lender positions, call me on 020 1234 5678.
Scheme inputs
Drag the sliders.
Based on Bristol market averages
Your estimate
Indicative Loan Amount
£1,190,000
Lower of 70% LTC and 65% LTGDV — capped by LTC.
- Loan to Value
- 47.6%
- Loan to Cost
- 70.0%
- Profit on Cost
- 47.1%
- Indicative Rate
- 7.5% – 9.5% pa
- Est. Monthly Interest
- £8,429
- Est. Total Interest (18m)
- £151,725
100+ lenders, one broker.
We hold live relationships with every mainstream and specialist lender active in the Bristol market — from challenger banks to specialist development funds. One enquiry, one integrated negotiation across the whole panel.
Below: a selection of lenders we have placed Bristol development deals with in the last 18 months.
Shawbrook
Challenger bank
Paragon
Challenger bank
United Trust Bank
Specialist bank
OakNorth
Challenger bank
Aldermore
Specialist bank
Together
Specialist lender
Assetz Capital
Specialist lender
Octane Capital
Specialist lender
LendInvest
Specialist lender
Maslow Capital
Specialist lender
Atelier Finance
Specialist lender
Puma Property Finance
Specialist lender
Close Brothers
Specialist bank
Hope Capital
Specialist lender
MT Finance
Specialist lender
Avamore Capital
Specialist lender
Glenhawk
Specialist lender
Investec
Private bank
Where Bristol is building.
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Real schemes, real facilities.
Harbourside BTR Tower
74-unit institutional BTR · 22m programme
£12.6M · 68% LTC
Temple Quarter PBSA
180-bed purpose-built student · 16m
£10.4M · 70% LTC
Clifton Listed Conversion
16-unit Grade II villa · 11m
£4.8M · 72% LTC
The human behind the panel.
Hi — I'm Matt. I've spent two decades in property lending, most of it arranging development facilities for Bristol developers. What I do now is simple: I bring schemes I believe in to lenders I already know, and I don't waste anyone's time if the numbers don't work. If you want a straight answer on your scheme, send it through — you'll hear back within 48 hours, and it won't be a form response.
Matt/Founder · 20+ years in development finance
Experience
20+ years
In property lending, including senior HBOS corporate banking.
Arranged
£300M+
In development facilities across the UK.
Lender panel
100+ lenders
Live relationships with every mainstream and specialist development lender active in the UK market.
Network
Construction Capital
Part of the UK's largest independent development finance brokerage.
We needed stretch senior for a Bedminster Green scheme. Matt’s team placed us at 8.1% with 82% LTC — materially better than the incumbent broker had quoted.
James T.
Director, South West Developments Ltd
A 180-bed PBSA scheme near Temple Quarter. Operator pre-let in place, funded 20 working days from enquiry to drawdown. Senior 70% LTC at tight pricing.
Sarah K.
MD, Bristol Student Property Group
First-time developer on a 9-unit Southville scheme. The team guided me through every step — funded in 4 weeks, couldn’t recommend them more highly.
David R.
Property Developer, Bristol
Development finance FAQs.
Send me your scheme.
Real numbers in 48 hours.
I’ll shortlist three to five lenders, run your deal against their live positions, and come back with structured indicative terms. If the numbers don’t work, I’ll tell you straight — I don’t waste your time or mine.