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Development Finance

Property-backed funding for residential and mixed-use development projects. Our development loans are designed to offer flexible finance solutions for developers with a proven track record. We take a deal-by-deal approach to our lending decisions, with our experience enabling us to better understand and evaluate projects, potentially lending when others can't.

Loans from £500,000 to £5,000,000
Terms from 6 - 24 months
Up to 70% LTGDV and 90% LTC
All credit profiles considered
Competitive Fixed Rates (see individual products for specifics)

Why use Saxon Trust Development finance?

Saxon Trust is not your typical development lender. Our business is privately owned and built by property professionals who fully understand both the development and lending process. 

We are proud to build long-term relationships with our developers and hope to fund them throughout their careers, offering flexible finance solutions and support throughout the project lifecycle. We don’t have a fixed borrower profile and will consider any credit history on its merits.

Rates fixed for the term of the loan help our developers to avoid the uncertainty and stress that can be caused by increasingly common base rate changes and macroeconomic instability. Whilst material and labour costs may rise during a project, our rates won’t. 

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“It was a pleasure working with the Saxon Trust team, and we are delighted to have secured a fixed rate deal that gives our client comfort and certainty over a 24-month period to build, market and sell the properties.”

David Bromley - Black Book Finance

Our Criteria

  • Property located in England or Wales

  • LTGDV up to 70% (higher with additional security)

  • LTC up to 90%

  • Funding for 100% of build costs

  • Residential and mixed-use

  • First charge security

  • UK residents, companies, trusts, and non-residents considered

  • All credit profiles considered

Our Development Finance Products:

Ground-up developments

Funding for ground-up developments, from single-unit builds to large, multi-phased projects. Saxon Trust development loans are tailored to meet the unique needs of each project. •Terms from 12-24 months •Up to 70% LTGDV and 90% LTC •From £500,000 to £5,000,000 •Rates from 1.1% pm


Funding for light, moderate, or heavy refurbishment projects. Our experienced team of property experts take a nuanced approach when assessing refurbishments, working in partnership with developers. •Terms from 6 - 24 months •Up to 75% LTGDV (higher with additional security) •From £250,000 to £5,000,000 •Rates from 0.84% pm

Joint venture funding

Joint venture funding for select projects and developers. Applications are assessed on a case-by-case basis to ensure a good fit between project, developer and lender. •Terms from 6 – 24 months •Up to 100% LTC •Funding up to £5,000,000 •Profit share to be agreed prior to completion


Tailored funding for a wide range of commercial-to-residential projects. From city centre offices to rural barns, Saxon Trust conversion loans are designed to help developers breathe new life into a property. •Terms from 6 - 24 months •Up to 75% LTGDV (higher with additional security) •From £250,000 to £5,000,000 •Rates from 0.84% pm

Flexible Funding. Fixed Rates.

Flexible Funding. Fixed Rates.

With a small but highly experienced team of property professionals, we are able to provide every borrower and broker with access to key decision-makers, building close and long-lasting working relationships. To get in touch:

Phone: +44 (0)203 368 6340


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