Property finance shouldn’t feel distant or transactional. When you speak to us, you’re talking to people who genuinely care and take situational and long-term goals into account when organising funding.
Our background in banking and property means we’re comfortable with complex structures and unusual circumstances, but we never let that get in the way of clear conversation.
Align’s success is not based on volume of deals, but by the long-term partnerships we forge and the progress we make together.
Align specialises in development finance, supporting projects of all shapes and sizes. From initial planning through to completion and beyond, we know how to structure funding that works for your build and your timeline.
Trusted top tier Broker
As a trusted Broker Partner for us, it is always a delight to deal with Patrick, Neil and the team. They are diligent and thorough in their presentations and a true collaborative partner in getting the right results for their clients, right the way through the process and beyond through the build. Always happy to see an enquiry from them and a pleasure to work with.
Read moreFirst class service and advice.
The focus and attention given for the needs for financial support is absolutely first class with Align. Patrick has been 100% focused to find what’s available and to advise on the options. Top services from really professional team. We will be doing more business together in the future.
Read moreExceptional, Personalised Service – Matt and Clara Delivered Beyond Expectations
I cannot recommend this firm highly enough! My case was handled by Belinda Clarke and Annie Castledine, and I am honestly blown away by the service. They completed everything in less than a month, which is record time and frankly unheard of in my experience. If you want a team that is professional, efficient, and lightning-fast, ask for Belinda and Annie!
Read moreHaving completed on transaction number 7 with Patrick and the team at Align, I can not praise these guys enough. The transactions can be fast passed and complicated at times but nothing is too much for the team. No task is too big for them. The communication and support given from start to finish is second to none. I put my upmost trust in these guys to deliver what they say they will, and they have done every time. Patrick’s number one goal is to get the best deal possible, he knows the market inside out and always will give you his honest opinion which goes along way in buisness. Thank you everyone at Align for the hard work you have done for us and I would highly recommend them to anyone
Read moreProjects rarely move in straight lines. That’s why we stay close, adapt quickly, and keep lenders aligned with what’s happening on the ground.
Deals need monitoring, questions need answering, and details forever shift. We remain on the pulse until everything is fully delivered.
Our background in banking means we know how to structure a proposal that feels credible, clear, and easy for the right funder to back.
Property finance can get messy, so we cut out the noise, remove the silences and make sure clients always know where they stand.
Main costs include interest charges, which vary based on project and experience, lender arrangement fees (around 2% of the loan amount), valuation fees, legal fees, and potential exit fees (around 1% of the loan amount, paid upon repayment)
Lenders will need a detailed proposal to assess the project's viability:
Most development finance products require some level of developer equity, and lenders will usually expect you to contribute 10–25% of the total project costs at the outset. This forms your equity contribution into the deal.
However, there are specialist lenders and structured funding solutions that can offer higher leverage, and in certain circumstances even provide facilities that effectively cover up to 100% of project costs. These options are assessed on a case-by-case basis and typically rely on strong additional security, a proven track record, or a joint-venture-style structure.
Development finance is a short-term borrowing option, usually with terms between 12 and 24 months. Interest is typically "rolled up" into the loan, meaning no monthly payments are required during the build. The total loan amount, plus interest and fees, is repaid in full at the end of the term, usually through the sale of the completed properties or by refinancing onto a long-term mortgage.
The amount you can borrow depends on the specific project and lender, but is typically determined by key metrics:
Development finance is used to cover the purchase and development costs of various property projects, covering both the acquisition of the site and costs involved in delivering the scheme. It is commonly used for:
Development finance provides funding for property projects, from purchasing land and new builds to conversions and refurbishments. It is a short-to-medium term, secured loan with funds typically released in stages as work is completed.
A short call is often enough to understand what the project requires and how we can support it.
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