Development Finance

With experience that extends beyond brokerage into hands-on development, we offer a comprehensive understanding of the funding and delivery process from every angle.

The modern development finance market is increasingly sophisticated, with a broad spectrum of lenders and funding structures designed to support a wide variety of projects.

Navigating this landscape requires more than access to finance, it demands specialist insight, strategic guidance, and an in-depth understanding of lender requirements.

At Bridgewater PF, we combine technical expertise with market intelligence to structure funding solutions that align with our clients' objectives, ensuring a seamless and efficient path from acquisition through to completion.

At Bridgewater PF, we work closely with our clients from initial enquiry through to completion, providing clear guidance and expert support at every step.

Senior Debt Development Finance remains the most established and widely utilised form of property development funding.

As the most cost-effective form of development finance, Senior Debt is particularly attractive where borrowers are able to contribute a meaningful level of equity at the outset towards acquisition.

While an established development track record can broaden access to funding options, a number of lenders are also able to support first-time developers with the right project, professional team, and exit strategy in place.

With an increasingly sophisticated lending market, there is now a wide spectrum of first charge development finance solutions available, enabling funding structures to be tailored to the specific requirements of each project and borrower.

Stretched Senior Development Finance offers higher leverage than standard senior debt while maintaining a first charge over the asset.

It is commonly used by experienced developers looking to enhance capital efficiency across multiple projects and deploy equity more strategically.

Although pricing is slightly higher than traditional senior finance, it can still perform strongly within well-structured, profitable schemes.

Stretched senior lending offers a flexible solution for developers seeking increased leverage without additional layers of funding complexity.

Mezzanine finance is a secondary funding layer secured by a second charge over the asset, designed to bridge the gap between senior development finance and the developer's equity contribution.

Typically structured and priced differently to senior debt, it requires careful consideration to ensure it aligns with the overall funding strategy and project objectives.

At Bridgewater PF, we provide clear, specialist guidance to help clients assess whether mezzanine finance is the right solution for their development.