What Is Property Development Finance?

Property development finance is a short to medium-term funding solution designed to support the construction, conversion or major refurbishment of property. Unlike traditional mortgages, which release funds in a single lump sum, development finance releases capital in stages as the project progresses. 

In property development finance in London, lenders assess the potential value of the completed project rather than just the current asset value. This future value is known as the Gross Development Value, or GDV. Funding is structured around a percentage of this figure using a metric called Loan-to-GDV, often referred to as LTGDV.

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Who Is This For? 

This funding is ideal for property developers seeking flexible finance for new builds, refurbishments, or conversions, with clear exit strategies and tailored support throughout the project lifecycle.

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Finance as per GDV

Ground-up, refurbishment and conversion funding 

Fast decisions with access to specialist lenders 

Support for first-time and experienced developers 

Property Development Finance

We provide tailored property development
finance for ground-up builds, conversions 
and major schemes across London, aligning
funding with GDV, build costs, staged 
drawdowns and clearly defined exit timelines.

Our Services

Bridging Finance

We offer flexible bridging finance to support property purchases, refinancing and development gaps, giving developers fast access to short-term property finance while securing longer-term funding solutions.

Fast Bridging Finance

We deliver fast bridging finance in London for urgent and time-sensitive transactions, including auctions and tight completions, enabling developers to act quickly without compromising funding certainty.

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Property Refurbishment Finance 

We provide specialist refurbishment finance for renovations, conversions and value-add projects, supporting residential and commercial property finance in London with flexible structures and clear exit planning.

Why Choose Aura Capital?

We are a London-focused specialist in property development finance and commercial property finance in London. The firm does not rely on rigid products or automated decisions. Instead, it builds funding solutions around each project.

Key advantages include:

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London-based property finance specialists

Bespoke funding structures tailored to each scheme

Access to a wide panel of specialist lenders

Support for first-time and experienced developers

Transparent guidance from enquiry to exit

We have funded projects across London and maintain strong relationships with lenders who actively support property development loans and commercial property finance in London. 

How Development Finance Works

We follow a clear and structured process to ensure speed, clarity and certainty.

How Development Finance Differs from Traditional Property Finance 

Traditional property finance typically suits buy-to-let or owner-occupied properties. Development projects require a more flexible structure. Property finance in London includes: 

Staged drawdowns linked to build milestones

Interest-only repayment structures

Monitoring by a professional surveyor

A clear exit strategy through sale or refinance 

With property finance, developers can preserve cash flow during construction while focusing on delivering the project efficiently.


Key Concepts: 
Gross Development Value (GDV): The estimated value of the completed project 

Staged Drawdowns: Funds released at agreed construction stages

Exit Finance: Repayment through sale or long-term refinance

Aura Capital ensures every client understands these fundamentals before proceeding, making property development loans clearer and more accessible.

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Expert Property Development Finance in London

Aura Capital combines local expertise, lender access and a bespoke approach to deliver property development finance in London that works for real projects. From initial feasibility to final exit, the team supports developers across London, England, United Kingdom. 

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Case Studies

Discover how we’ve helped clients secure fast, flexible funding across acquisitions, refinances, and development deals.

  • Proven track record at delivering market leading specialist and short-term finance products

  • Speed, discretion, and a professional, problem-solving approach

  • One trusted partner delivering efficient, straightforward execution from enquiry to completion

  • Development Exit Facility - Leyton, London. (0.95% pcm / 65% LTV)

  • No Valuation Refinance of Prime Gated Home - Walton-on-Thames, Surrey (0.89% pcm / 40% LTV)

  • Second Charge Bridging Loan - Canterbury, Kent. (0.97% pcm / 50% LTV)

View our case studies

Frequently Asked Questions

  • Many bridging loans in London complete within weeks, subject to valuation and legal requirements. 

  • Loan amounts depend on property value, exit strategy, and lender criteria. Aura Capital structures loans aligned with realistic outcomes. 

  • Some property bridging loans are regulated, while others are unregulated. Aura Capital advises on the appropriate option. 

  • Residential, commercial, and mixed-use properties often qualify for property bridging finance. 

  • Sale, refinance, or longer-term funding typically serve as acceptable exits for bridging development finance and acquisition loans.