UK Development Finance Specialists

Finance that moves
as fast as you do

Specialist development and redevelopment finance for UK property professionals. Fast decisions, flexible terms, real expertise.

£2bn+ Finance Facilitated
48hr Credit Decision
200+ Lender Panel
97% Completion Rate
Redevelopment Finance
Development Finance
Bridging Loans
BTL & HMO
Commercial Investment
Land Finance
Ground-Up Development
Refurbishment Finance
Redevelopment Finance
Development Finance
Bridging Loans
BTL & HMO
Commercial Investment
Land Finance
Ground-Up Development
Refurbishment Finance
What We Do

The right finance for
every project

From single-unit refurbishments to large-scale developments — we connect serious developers with serious capital.

01
🏗

Redevelopment Finance

Convert, extend, refurbish. We fund complex projects others decline — from permitted development to full structural redevelopment.

02
🏢

Development Finance

Ground-up construction funding from £100k. Residential, commercial, mixed-use. Staged drawdown against your build programme.

03

Bridging Finance

Short-term capital to move fast. Auction purchases, chain breaks, time-sensitive acquisitions. Completions from 3 days.

04
📈

Investment Finance

BTL, HMO and commercial investment lending. Build your portfolio with competitive rates and a broker who understands property.

Why Groundwork

Built for people
who build things

We're not a bank. We're specialists who understand your timelines, your risk, and your opportunity.

01
48-Hour Decisions
Every hour counts. We've built our entire process around speed without sacrificing quality.
02
Whole of Market
200+ lenders on our panel. You get the entire market, not just one institution's products.
03
Complex Deals Welcome
Planning issues, unusual structures, tight timelines — we specialise in deals others turn away.
04
No Upfront Fees
Enquire, get terms, make your decision. We only earn when your deal completes.

Ready to fund your next project?

© 2025 Groundwork Capital Ltd. All rights reserved.

Finance subject to status. Groundwork Capital is an introducer appointed representative.
About Us

We back people
who build things

Founded by property finance professionals who were tired of slow lenders, rigid criteria, and brokers who disappear after the first call.

Our Story

Why we exist

Groundwork Capital was built on a simple frustration. Great developers were being let down by slow lenders, generic brokers, and a finance market that didn't speak their language.

We spent years building relationships with the UK's most competitive specialist lenders — so when you need finance, we know exactly who to call, and they answer.

Our exclusive focus on development and redevelopment finance means deeper expertise, better lender relationships, and faster outcomes for you.

Our Values

Speed

Every hour costs money. We're built for pace without sacrificing quality.

Honesty

If a deal won't work, we tell you immediately. No wasted time, no false hope.

🎯

Expertise

Development finance is all we do. Depth of knowledge, better outcomes.

🌐

Access

200+ lenders. Whole of market. You get real options, not limitations.

By the Numbers

Track record that speaks

£2bn+ Finance Facilitated
97% Completion Rate
200+ Lender Panel
48hr Average Decision
The Team

People who deliver

JH

James Harrison

Founder & Director

15 years in specialist property finance. Previously senior lender at a top-5 UK development bank. Has overseen £500m+ in completions.

SC

Sarah Chen

Head of Credit

Former underwriter with deep lender relationships. Knows exactly what gets deals across the line — and how to structure them to succeed.

MP

Marcus Patel

Senior Broker

Specialist in complex redevelopment and conversion projects. Consistently delivers terms where other brokers can't.

Client Feedback

What developers say

"

Groundwork got us credit-approved in 36 hours on a deal three other brokers said was too complex. The team genuinely understood our project from day one.

David Okafor
Director, Okafor Developments
"

We've used Groundwork on four deals now. The speed, the honesty, and the quality of lenders they access is unlike anything we've experienced elsewhere.

Priya Sharma
MD, Meridian Property Group
"

As a first-time developer I was nervous about the finance process. Groundwork walked me through every step and got me terms I didn't think were possible.

Tom Blackwell
Independent Developer
Groundwork Capital Ltd is an introducer appointed representative. All finance is subject to status, credit assessment, and valuation. We do not provide regulated mortgage advice. Your property may be repossessed if you do not keep up repayments on a loan secured against it.
FCA Compliant
Data Protected
ICO Registered

© 2025 Groundwork Capital Ltd.

Finance subject to status and valuation.
Our Services

The right finance for
every deal

From £100k refurbishments to £50m+ developments. We have the lender relationships to fund it.

01

Redevelopment Finance

Converting commercial to residential, extending, refurbishing, or undertaking full structural works — we fund the projects that create real value and that other brokers avoid.

  • Light to heavy refurbishment
  • Commercial to residential conversion
  • Permitted development & change of use
  • Listed buildings & complex structures
  • Loans from £100k to £10m+
75%Max LTV
48hrDecision
£100kMinimum
24moMax Term
02

Development Finance

Ground-up construction requires a lender who understands the build cycle. Staged drawdown facilities aligned to your programme, keeping costs low and cashflow healthy.

  • Residential and mixed-use new builds
  • Staged drawdown against build programme
  • First-time and experienced developers
  • Planning granted — pre-planning considered
  • Loans from £250k to £50m+
70%Max LTGDV
5dayDrawdown
£250kMinimum
36moMax Term
03

Bridging Finance

Opportunities don't wait. Our bridging facilities are built for speed — auction lots, chain breaks, and time-sensitive acquisitions completed before the competition moves.

  • Regulated and unregulated bridging
  • Auction finance — completions from 3 days
  • Chain breaks and quick completions
  • Land without planning considered
  • Loans from £100k to £25m+
80%Max LTV
3dayCompletion
£100kMinimum
18moMax Term

Not sure which product fits your deal?

© 2025 Groundwork Capital Ltd.

Finance subject to status and valuation.
Get Funding

Tell us about your project

Complete the form and our team will respond within 2 business hours with initial terms.

  • Initial response within 2 hours
  • Credit decision within 48 hours
  • Terms issued within 5 working days
  • No upfront fees to enquire
  • Whole of market lender search
  • Dedicated senior broker assigned
48hr Decision
200+ Lenders
No Upfront Fees
UK Wide
FCA Compliant
1Finance
2Project
3Contact
Finance requirements
What type of funding do you need?
Redevelopment
Development
Bridging
Buy-to-Let
HMO
Commercial
Refurbishment
Land
£500,000
£100k £50m+
Project details
Help us find the right lender fit
First Timer
1–5 Projects
5–20 Projects
20+ Projects
Your details
We'll be in touch within 2 business hours

Enquiry Received

Reference confirmed

GWC-000000

A senior broker will review your project and contact you within 2 business hours. Please quote your reference number in all correspondence.

© 2025 Groundwork Capital Ltd.

Finance subject to status and valuation.