Cyborg Finance
Residential Development Finance

Funding for residential new builds and smaller development schemes — single plots through to multi-unit estates, with staged drawdowns tied to build milestones.

Residential Development Finance

Residential development finance funds the construction of new homes — from single plots and small infill schemes through to multi-unit estates — with capital released in staged drawdowns tied to build milestones and an exit based on unit sales or refinancing.

Our advisers translate your scheme into a lender-ready proposal, match it to the right specialist providers, and manage the process from term sheet through to final drawdown and exit.

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How our residential development finance service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.


Lenders we work with

Residential development finance sits outside mainstream mortgage lending, so the lender panel looks different too — specialist development banks, private debt funds, and bespoke development lenders. We work across that landscape to find a facility that genuinely fits your scheme.


Development Finance Guides

The Development Finance Guide to Bridging vs Development Finance: Choosing What Fits

An educational guide to bridging finance and development finance, including key differences, typical costs, common scenarios, and how bridge-to-let and commercial projects can fit into a wider property plan.

The Development Finance Guide to Bridging Auction Purchases on Tight Deadlines

Learn how auction bridging finance supports fast property purchases, how repayment typically works, what lenders look for, and the key risks and costs to plan for.

The Development Finance Guide to Land Bridging Loans for Development Sites

A practical guide to land bridging loans for developers and commercial borrowers—how they work, typical costs, timeframes, and the exit strategy lenders look for.

The Development Finance Guide to Land Mortgages: Types, Criteria and Lending

Understand what a land mortgage is, the main types (self-build, agricultural, woodland and commercial development), and the key factors lenders consider—deposit/LTV, planning permission, business plans and affordability.

The Development Finance Guide to the Help to Build Scheme and Self-Build Mortgages

An overview of how the UK Help to Build equity loan can work alongside self-build and custom-build mortgages, including how staged construction funding typically fits into the overall project plan.

The Development Finance Guide to Self-Build Mortgages and Stage Payments

A practical guide to self-build mortgages, including how lending is structured, what lenders typically look for, deposit and LTV expectations, how stage payments and inspections work, and how to find the most competitive rates.

The Complete Development Finance Guide for Commercial and Residential Projects

A comprehensive overview of development finance for commercial and residential schemes—how it works, the types available, the key metrics lenders assess (GDV, LTC, LTV), typical costs and fees, drawdown structures, documents lenders request, and common exit strategies.

The Development Finance Guide to Comparing Bridging Loan Rates and True Cost

A bridging loan can be tempting when you’re focused on the lowest headline rate. But the best outcome often depends on the total cost, flexibility, lender processes and how the loan fits your exit plan.

Closed Bridging Loans

A clear overview of closed bridging loans—what they are, how they work, common scenarios, typical repayment structures, and the key risks to consider.


Ready to talk through your residential development scheme?

Tell us what you're building, the budget, and where you are in the process. One of our advisers will come back with clear, no-pressure guidance on the most suitable funding route — and what to prepare before you apply.

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Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.