Development Exit Bridging Loans
Secure Your Profits with Time & Transparency
What is a development exit bridging loan?
When your development project nears completion—but your finance term ends before sales or refinance — a development exit bridging loan provides the solution. Aura Capital specialises in arranging fast, flexible, development exit bridging loans with market-leading rates, allowing developers to maintain cash flow and avoid costly sale pressure.
A short-term, unregulated bridging loan designed for developers who’ve completed construction but still need time to sell units or refinance. It replaces expensive development finance with a more cost-effective, time-sensitive bridge solution.
Why Developers Use Development Exit Bridging
1. Avoid Costly Default or Extension Fees
Development finance can attract high default penalties. Our exit loans reset the clock, saving you potentially large fees.
2. Reduce Funding Costs
Once a project is finished, risk decreases—exit bridging loans drop your monthly interest rate significantly compared to development finance.
3. Preserve Your Profit Margins
Less pressure to drop prices to complete sales means you protect your Gross Development Value (GDV).
4. Free Up Capital for New Projects
Exit bridging can unlock equity, letting you start your next development without waiting for unit sales to complete.
How Development Exit Bridging Works (Step-by-Step)
Apply – Share key details (project status, valuation, exit plans).
Underwriting – Aura Capital negotiates with specialist lenders for the best terms.
Funding – Loans are set up quickly—often within 2–4 weeks, sometimes faster.
Exit Options – Repay through sales, long-term refinance, or moving onto the next project
Typical Terms & Market-Leading Figures
Features:
Loan Size: £50,000 – £30m+
Interest Rates: From 0.55%–0.80% per month (market-leading via broker access)
LTV: Up to 75–80% depending on development and exit strength
Term: 6–18 months (extensions possible)
Speed: From 10 days to 4 weeks, depending on complexity
Aura Capital uses its whole-of-market access to outperform standard lender offerings.
Real-World Example
A high-end residential development neared completion as the finance term ended. Aura Capital arranged an exit bridging loan at 0.65% per month, avoided a 2% default penalty, and released an extra £400,000 in equity. The developer sold units over 12 months and exited cleanly to long-term refinance—maximising profit and staying debt-free.
Benefits of Using Aura Capital
Market Access
Compare multiple specialist lenders in one place, giving you:
Best Rates
Broker-only deals that often beat direct lender offerings.Speed
Average turnaround of 2–4 weeks from enquiry to funding.Simplicity
One expert handles valuation, legal, and lender negotiation.Strategic Structuring
Whether you aim to sell, refinance, or fund ahead, the exit solution is tailored to your goals.
Key Risks & How to Mitigate
Risk: Overvaluation
Mitigation: Use realistic market comps to budget conservatively.
Risk: Hidden Costs
Mitigation: Always review arrangement, exit, and legal fees before committing.
Risk: Timing Gaps
Mitigation: Start exit planning before development finance expires.
Risk: Over-leverage
Mitigation: Borrow only what you need; keep buffers for delayed sales or market shifts.
Frequently asked questions
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Yes—if the development is at or near completion and you present a clear exit strategy with strong project documentation.
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Typically within 10–28 days, depending on valuation and legal readiness.
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Only if the property is intended for personal occupation. Otherwise, it's an unregulated commercial facility.
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Exit bridging is purpose-built for speed and flexibility, while remortgaging takes longer and is less suitable for incomplete or unsold stock.
Why Aura Capital?
We’re more than a broker—we’re developer-focused specialists in bridging and development finance. With unrivalled lender access, fast turnaround, and consistent transparency, developers trust us to deliver efficient, profitable solutions.
How to apply
2–4 week term expiring soon?
Facing slow sales or complex market conditions?
Want to fund your next project without capital friction?
Contact Aura Capital today to structure your development exit bridging loan—fast, flexible, and at market-leading rates, all with no upfront fees.
