Development Finance Across the UK and Europe
Independent advisory for developers and investors requiring senior debt, mezzanine, and full capital stack solutions for projects from €5 million. We structure and arrange development finance across all asset classes and major European jurisdictions.
Development finance is a specialist form of property lending used to fund construction, conversion, and significant refurbishment projects. It differs from conventional term lending in that funding is drawn in stages as the build progresses, with each drawdown certified against completed works.
For developers working across Europe, the complexity increases considerably. Each jurisdiction has its own construction regulations, planning framework, legal requirements, and lender risk appetite — and securing finance on cross-border or international projects requires an advisor with specific on-the-ground knowledge and lender relationships.
That is precisely where Bridging Europe operates, routinely advising on;
- Ground-up residential development — private sale, build-to-rent, affordable
- Commercial development — office, retail, industrial, logistics
- Mixed-use schemes
- Hotel, resort, and branded residence development
- Conversion and change-of-use projects
- Heavy refurbishment and repositioning
- Phased or multi-site schemes
Senior Development Debt
Typically structured to cover site acquisition and construction costs, with staged drawdowns against certified works. LTCs of up to 90% and LTGDVs of up to 65–75% are achievable for well-structured projects with experienced developers.
Mezzanine Finance
Subordinated debt that sits between senior lending and equity, allowing developers to reduce their equity contribution and improve returns. We advise on mezzanine structures that are compatible with the senior lender and appropriate for the project risk profile.
Joint Venture Euquity
For developers seeking capital partners rather than pure debt, we can introduce equity and joint venture investors with an appetite for European development assets.
Our specialist brokers work with a wide network of lenders across Europe and the UK, offering competitive rates, fast decisions, and tailored terms to suit your specific requirements.
Loan Parameters:
- Minimum project size: €5,000,000
- Maximum: €100,000,000+ (subject to project and jurisdiction)
- Loan-to-GDV: Up to 70%
- Loan-to-Cost: Up to 90%
- Term: 12 to 36 months
- Drawdown: Staged, certified by monitoring surveyor
- Interest: Rolled into facility or serviced
We have arranged development finance in the United Kingdom, Portugal, Spain, Ireland, Italy, and across other European markets. Understanding the local planning environment, construction norms, and lender risk appetite in each market is critical to structuring a facility that completes — and we bring that knowledge to every mandate.
Frequently Asked Questions
A development loan is a short-term finance solution designed to fund property projects, from site acquisition through construction. It can be used for residential, commercial, mixed-use, industrial, hospitality, or any other type of property development.
Development loans are available to:
- Experienced developers
- First-time developers
- Investors and family offices
- Cross-border or international investors
We can structure finance for clients in any jurisdiction across Europe and the UK.
We provide development finance for all asset classes, including:
- Residential housing and apartments
- Commercial offices and retail space
- Mixed-use schemes
- Industrial and logistics facilities
- Hotels, resorts, and branded residences
- Loan Amounts: From £/€5,000,000
- Loan Term: 6 to 36 months
- Loan-to-GDV (LTGDV): Up to 75%
- Loan-to-Cost (LTC): Up to 90%
- 100% funding options are available for eligible projects
Yes. We regularly assist first-time developers, providing guidance and structuring solutions that reduce risk for both lenders and borrowers.
Absolutely. We have experience providing development finance for UK and European projects, helping investors navigate local lending requirements, cross-jurisdiction rules, and tax considerations.
Repayment schedules are flexible, with capital repayment due at the end of the term or upon sale of the development. Phased or staged repayment structures are available to suit project cash flows.
Our team works with lenders who can provide fast decisions, often within days for straightforward projects, and we handle complex cross-border and multi-jurisdictional financing efficiently. Drawdown can be expected 4-8 weeks from application.
Yes. We can structure the full capital stack, including joint ventures, mezzanine finance, and other bespoke solutions to ensure your project is fully funded.
If you have a bridging requirement in the UK or Europe, we would welcome a confidential conversation. Whether you are at the early stages of structuring or have a transaction ready to move, we can advise on the appropriate approach and identify the most suitable lenders.
Bridging Europe is a credit broker and intermediary, not a lender. This website is not authorised or regulated by the Financial Conduct Authority (FCA) and does not constitute financial advice. All information is provided for general guidance only. By submitting an enquiry, you agree that your details may be shared with a specialist lending partner.