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020 3827 8558

Email

info@mortgage-tek.co.uk

Address

Watford WD18 9SB

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Flexible Development Finance for Your Next Property Development in the UK

Need funds to build, convert, or renovate? Mortgage-Tek helps you access fast, reliable development finance—whatever your experience level. From first-timers to seasoned developers, we’ll guide you through the process, connect you with the right lenders, and keep things moving. No fuss, no wasted time—just expert support and tailored funding that works for you.
Check your funding options

We work with more than 120 mortgage lenders, including

PROCESS
How Development Finance Works with Mortgage-Tek
Getting development finance in the UK doesn’t need to be complex. At Mortgage-Tek, we make the process smooth and straightforward—no matter the size of your property project. Whether you’re planning a ground-up build, a conversion or a large-scale refurbishment, we’ll help you secure the right funding with expert support every step of the way.
Commercial Mortgage

Initial chat about your project

Tell us what you’re planning and how much funding you need. We’ll advise what’s possible.
Specialist Finance
We find you the right lender
With access to top UK development finance lenders, we’ll match you to a deal that suits your plans.
Specialist Finance
We handle the paperwork
From application to approval, we take care of the process and keep things moving quickly.
Commercial Mortgage
Funds released in stages
Your finance is paid out in line with project progress—so you stay in control and on track.
Specialist Finance
Stay supported from start to finish
We’ll be here throughout the project, ready to guide you through any challenge.
Start your funding journey
How Much Can I Borrow Calculator
Use our free calculator to quickly estimate how much you could borrow based on your income. On this page, you’ll also find helpful information about mortgage eligibility and what lenders are looking for. Whether you’re employed, self-employed, a company director, a locum, or retired, At MortgageTek, we’re here to help you understand your borrowing potential and move forward with confidence.

First Applicant

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Your Estimated Borrowing Amount

£0
Based on your income details, this is an estimate of how much you might be able to borrow.
Our Comprehensive Range of Development Finance Solutions
At Mortgage-Tek, we offer tailored development finance options to suit a variety of projects. Whether you’re working on residential, commercial, or mixed-use developments, we have the right solution for you
Review the reasons to consider remortgaging your home

Residential Development Finance

Fund new builds, conversions, or large-scale residential projects. Flexible terms to help you get your development off the ground.

Commercial Development Finance

For office buildings, retail units, and industrial properties. Quick, competitive rates to support your commercial ventures.

Mixed-Use Development Finance

Ideal for projects with both residential and commercial spaces. Tailored solutions to fund complex, multi-purpose developments.

Refurbishment Finance

Perfect for property renovations and conversions. Secure the funds needed to transform existing buildings efficiently.

Bridge-to-Development Finance

Short-term finance to secure property and start development quickly. Refinance later with a tailored long-term development loan.

Land Development Finance

Finance land acquisition and site preparation. Support for clearing, leveling, and readying your land for construction.

Affordable Housing Development Finance

Competitive rates for affordable housing projects. Access government-backed schemes to help provide homes for communities.

Property Investment Finance

Tailored for property investors. Fund property acquisitions, refurbishments, and portfolio growth with ease.
Talk To Our Experts
Why Choose Mortgage-Tek for Your Development Finance?
At Mortgage-Tek, we’re dedicated to helping you secure the right development finance for your projects. Here’s why we stand out:
Ex[erts

Expert Guidance

Count on our experienced team for expert development finance guidance.
speed you can count on

Speed You Can Count On

We work with top UK  lenders to offer approvals in days, not weeks.

Tailored Solutions

Tailored Solutions

Bespoke finance solutions tailored to your unique development project.
No Surprises

Competitive Rates

We offer some of the most competitive rates in the industry, ensuring that you get the best value for your development project.

Trusted by Investors

Personalised Support

Our team guides you every step of the way — from your first enquiry to final repayment.
 
Quick & Efficient

Efficient Process

With streamlined processes and a focus on speed, we ensure that you can access the funds you need without unnecessary delays.

Get Your Custom Solution Now

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Get in Touch For Our Expert Mortgage Advice

Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!

Call Us 020 3827 8558
Email Us
info@mortgage-tek.co.uk
Address 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB
Opening Hours Mon–Fri (8:30am–7pm)
Sat (9am–5pm)

TESTIMONIALS

What people say

Mo is extremely professional and has helped me on multiple occasions with new mortgage and remortgage transactions for the past 3 years. I found MortgageTek and the team to be efficient, have constant communication with me every step of the way, and be outstanding plus helpful in resolving any issues that may arise along the way. I highly recommend MortgageTek for any future transaction as Mo always gets good rates

GORETTY DIAS

Customer

Would thoroughly recommend using Mortgagetek if you are a contractor. Mortgage applications are confusing enough as it is, so it’s great you can depend on the application being made smoothly by the team at Mortgagetek. Kate was excellent in keeping me updated and dealing with any questions I had. Will use them again.

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JAMES MORTON

Customer

Mo has helped me with multiple mortgage brokering both for new, remortgage and BTL transactions for about 4 years. I’ve found Mo and his team to be efficient, have clear and constant communication with me every step of the way, and very helpful to resolve any issues that may arise along the way. I unreservedly recommend MortgageTek.

SEUN OLOWOJEBUTU

Customer

Frequently Asked Question

 

1. What is Development Finance?
Development finance is a specialized loan designed to fund property development projects. This financing can cover costs like land acquisition, construction, and refurbishments. It’s typically used for residential, commercial, and mixed-use developments. Development finance is short-term and flexible, providing developers with the necessary capital to complete their projects successfully.
2. Who Can Apply for Development Finance?
Individuals and businesses involved in property development can apply for development finance. This includes property developers, investors, and those looking to fund construction or renovation projects. Even if you’re a first-time developer, you may qualify for development finance if your project shows strong potential for profitability and meets lender criteria.
3. What Types of Projects Can Development Finance Fund?

Development finance can fund a variety of property development projects, such as:

  • Residential developments (new builds, conversions)
  • Commercial property developments (offices, retail spaces)
  • Mixed-use developments (residential and commercial spaces combined)
  • Refurbishments and renovations of existing properties
  • Land acquisition and site preparation for new developments

Whether you’re working on a small residential development or a large-scale commercial project, development finance can provide the necessary funding.

4. How Is Development Finance Different from a Traditional Mortgage?

Unlike a traditional mortgage, which is typically used for purchasing existing properties, development finance is specifically designed for funding property construction, renovation, or development projects. Development finance is usually short-term (12-24 months) and offers more flexibility in loan-to-value (LTV) ratios and repayment structures, making it ideal for property developers and investors.

5. What Are the Typical Requirements for Getting Development Finance?

To secure development finance, lenders typically require:

  • A detailed development plan with clear milestones
  • A proven track record in property development (if applicable)
  • Sufficient equity or a good deposit for the project
  • Ability to manage the project and complete it on time and within budget
  • A clear exit strategy, such as selling the completed development or refinancing it

Meeting these requirements demonstrates your ability to successfully complete the project and repay the loan.

6. How Long Does It Take to Get Approved for Development Finance?
The approval process for development finance typically takes between 2 to 6 weeks, depending on the complexity of the project and lender processes. Property developers who present clear plans and have solid financial standing can usually secure approval faster. However, the more information and documentation you provide upfront, the quicker the approval process will be.
7. What Are the Repayment Options for Development Finance?
Repayment options for development finance are often tied to project milestones. As the development progresses, repayments may be made at specific stages (e.g., after completing the groundwork, structural work, etc.). Once the project is finished and sold or refinanced, the full loan can be repaid. Development finance lenders typically offer flexibility in how repayments are structured to match the development’s cash flow.