Nottingham Development Finance
development finance nottingham

Development finance for Nottingham property developers.

Senior debt, stretch senior, mezzanine, JV equity and exit finance — sourced from 100+ specialist lenders and structured around your Nottingham scheme. Indicative terms in 48 hours.

Get indicative termsCall 020 1234 5678
Terms in 48 hours100+ specialist lenders£300M arranged
£300M+

Capital arranged

500+

Deals completed

100+

Lender panel

20+

Years in market

Nottingham · right now

The market, in numbers.

last 12 months

100+

Lenders

Active on panel

48hr

Indicative terms

From complete enquiry

£300M+

Arranged

Across the network

90%

Max LTC

Stretch senior

Why Nottingham

Two universities, a Broadmarsh regeneration, and one of the strongest student-led rental markets in the UK.

Nottingham is one of the East Midlands’ most active regional development markets. Broadmarsh — the £250m+ regeneration of the derelict southern gateway — is reshaping the southern edge of the city centre with a new central library, college campus, parkland, and pipeline for c.1,000 homes. The Island Quarter on London Road is delivering mixed-use residential, office and F&B on the former Eastcroft depot site. The Lace Market retains its Victorian industrial character while steadily converting warehouses into apartments and creative workspace.

The student market is the deepest outside London on a per-capita basis. University of Nottingham (c.34,000 students) at University Park and Nottingham Trent University (c.37,000 students) at the City Campus together drive sustained PBSA pipeline concentrated in Lenton, Dunkirk, and the central core. Boots’ global HQ at Beeston, the HS2-adjacent East Midlands Hub plans (Toton), and the East Midlands Combined Authority (operational since 2024) underwrite the wider employment and delivery case.

I arrange development finance across every corner of Nottingham and every mainstream asset class — residential, commercial, industrial, mixed-use, PBSA, BTR, hotel, care home, retail, and office. Facility sizes from £500K to £20M+. One specialist broker, the full lending stack, indicative terms in 48 hours.

The lending stack

Every product, the real numbers.

Indicative ranges pulled from live lender positions — market conditions and borrower profile shift these every month.

Senior Development

Standard product. New build, conversion, refurb. Day-one land + staged build drawdown.

Facility

£500K – £30M

LTC

up to 70%

LTGDV

up to 65%

Rate

7.0 – 9.0%

Stretch Senior

Capital-efficient. For experienced developers with proven track record.

Facility

£750K – £25M

LTC

up to 85%

LTGDV

up to 70%

Rate

7.5 – 10.0%

Mezzanine

Second-charge behind senior. Bridges the equity gap on larger schemes.

Facility

£250K – £10M

LTC

up to 90%

LTGDV

up to 75%

Rate

10 – 15%

JV Equity

Equity partner into the SPV. For proven operators scaling deal flow.

Facility

£500K – £20M

LTC

up to 100%

LTGDV

negotiated

Rate

Profit share

Development Exit

Refinance senior on practical completion. Release equity while you sell.

Facility

£500K – £25M

LTC

—

LTGDV

up to 75%

Rate

6.5 – 8.5%

Conversion / Refurb

Light refurb, heavy refurb, commercial-to-residential, PDR conversion.

Facility

£250K – £10M

LTC

up to 75%

LTGDV

up to 70%

Rate

7.5 – 10.5%

See every product in detailModel your scheme
Model the deal

Sanity-check your scheme in a minute.

Drop in your GDV, build costs and term. The calculator is pre-set at market-typical senior ratios (70% LTC / 65% LTGDV) so the output reflects what Nottingham lenders are quoting this month, not last cycle.

For a tailored quote with live lender positions, call me on 020 1234 5678.

Scheme inputs

Drag the sliders.

£2,500,000
£1,700,000
£1,200,000
£500,000
18 months

Based on Nottingham market averages

Your estimate

Indicative Loan Amount

£1,190,000

Lower of 70% LTC and 65% LTGDV — capped by LTC.

Loan to Value
47.6%
Loan to Cost
70.0%
Profit on Cost
47.1%
Indicative Rate
7.5% – 9.5% pa
Est. Monthly Interest
£8,429
Est. Total Interest (18m)
£151,725

Get tailored terms for these numbers

Your modelled GDV / cost / loan numbers are attached automatically. Indicative only — actual terms depend on scheme specifics and live lender appetite.

Lender panel

100+ lenders, one broker.

We hold live relationships with every mainstream and specialist lender active in the Nottingham market — from challenger banks to specialist development funds. One enquiry, one integrated negotiation across the whole panel.

Below: a selection of lenders we have placed Nottingham development deals with in the last 18 months.

Shawbrook

Challenger bank

Paragon

Challenger bank

United Trust Bank

Specialist bank

OakNorth

Challenger bank

Aldermore

Specialist bank

Together

Specialist lender

Assetz Capital

Specialist lender

Octane Capital

Specialist lender

LendInvest

Specialist lender

Maslow Capital

Specialist lender

Atelier Finance

Specialist lender

Puma Property Finance

Specialist lender

Close Brothers

Specialist bank

Hope Capital

Specialist lender

MT Finance

Specialist lender

Avamore Capital

Specialist lender

Glenhawk

Specialist lender

Investec

Private bank

Key development zones

Where Nottingham is building.

View all areas
Nottingham City Centre development area

Nottingham City Centre

18 active

Core Nottingham CBD with civic, commercial and residential tower pipeline.

Explore area
Broadmarsh development area

Broadmarsh

14 active

£250m+ southern gateway regeneration — new library, college, parkland, residential.

Explore area
Lace Market development area

Lace Market

12 active

Victorian warehouse conservation area — listed conversion, creative workspace, boutique residential.

Explore area
Hockley development area

Hockley

9 active

Independent creative district — mixed-use with strong F&B and studio demand.

Explore area
West Bridgford development area

West Bridgford

10 active

Affluent south Nottingham (NG2) — boutique residential and premium family housing.

Explore area
Beeston development area

Beeston

11 active

Commuter-belt town with University Park adjacency and Boots HQ anchor.

Explore area
Lenton development area

Lenton

8 active

Student-adjacent residential (NG7) anchored by University of Nottingham.

Explore area
Dunkirk development area

Dunkirk

7 active

PBSA and student accommodation core adjacent to Nottingham University campus.

Explore area
Mapperley Park development area

Mapperley Park

6 active

Premium north Nottingham Victorian villa neighbourhood.

Explore area
Arnold development area

Arnold

7 active

Commuter-belt north Nottingham town-centre residential market.

Explore area
Bulwell development area

Bulwell

6 active

North Nottingham regeneration and mixed-use delivery corridor.

Explore area
Sneinton development area

Sneinton

8 active

East Nottingham regeneration district with Sneinton Market creative anchor.

Explore area
Case studies

Real schemes, real facilities.

Lace Market Listed Conversion

28-unit Grade II warehouse · 14m

£4.9M · 72% LTC

Lenton PBSA

180-bed purpose-built student · 15m

£9.8M · 70% LTC

West Bridgford Boutique

12-unit apartment scheme · 10m

£2.6M · 70% LTC

View all case studies
Who you’re speaking to

The human behind the panel.

Hi — I'm Matt. I've spent two decades in property lending, most of it arranging development facilities for Nottingham developers. What I do now is simple: I bring schemes I believe in to lenders I already know, and I don't waste anyone's time if the numbers don't work. If you want a straight answer on your scheme, send it through — you'll hear back within 48 hours, and it won't be a form response.

Matt/Founder · 20+ years in development finance

Meet the teamSee our deals

Experience

20+ years

In property lending, including senior HBOS corporate banking.

Arranged

£300M+

In development facilities across the UK.

Lender panel

100+ lenders

Live relationships with every mainstream and specialist development lender active in the UK market.

Network

Construction Capital

Part of the UK's largest independent development finance brokerage.

What clients say
We needed stretch senior for an Island Quarter-adjacent scheme. Matt’s team placed us at 8.3% with 82% LTC — materially better than the incumbent broker had quoted.

James T.

Director, East Midlands Developments Ltd

A 180-bed PBSA in Lenton. Operator pre-let in place, funded 22 working days from enquiry to drawdown. Senior 70% LTC with tight pricing from a specialist student lender.

Sarah K.

MD, Midlands Student Property Group

First-time developer on a 12-unit West Bridgford scheme. The team guided me through every step — funded in 4 weeks, couldn’t recommend them more highly.

David R.

Property Developer, Nottingham

Frequently asked

Development finance FAQs.

Development finance in Nottingham is a specialist short-term property loan used to fund the construction, conversion or heavy refurbishment of residential, commercial and mixed-use schemes across the Nottingham city area and the wider East Midlands. Facilities are typically senior debt at up to 70% LTC / 65% LTGDV, with stretch senior to 85% LTC and mezzanine lifting total leverage to 90%. With Nottingham delivering Broadmarsh regen, Island Quarter, and sustained PBSA pipeline, lender appetite is strong. Our development finance services cover schemes from £500K to £20M.
Nottingham development finance facilities typically range from £500,000 to £20,000,000. Senior at 70% LTC, stretch senior to 85%, and senior + mezzanine combined to 90% LTC. For larger city-centre schemes in Broadmarsh or Nottingham City Centre, institutional forward-fund structures can accommodate larger ticket sizes. Use our development loan calculator for an instant estimate.
Nottingham development finance currently sits between 7.0% and 12% per annum, driven by loan-to-value, borrower experience, scheme location and exit strategy. Nottingham benefits from a competitive East Midlands lender market — national challengers, specialist development lenders, and institutional investors all active in the city. Our 100+ lender panel gives every Nottingham scheme a full market view.
We issue indicative terms within 48 hours of receiving a complete enquiry. Full completion typically 2–4 weeks subject to valuation and legals. Exceptional transactions fund in 10 working days.
We finance every mainstream asset class: residential, commercial, industrial, PBSA (Lenton, Dunkirk, central), BTR, hotel, care home, mixed-use, and permitted development conversions. Lace Market listed conversions and West Bridgford premium residential are particular specialisms.
Most lenders require at least outline planning permission. Specialist lenders on our panel will consider pre-planning funding for experienced developers with strong track records on viable schemes. Nottingham City Council’s Local Plan gives strong policy support across the Broadmarsh, Island Quarter and central regeneration zones, which helps underwriting.
Mezzanine finance is a second-charge development loan sitting behind the senior facility, letting Nottingham developers raise total borrowing to 85–90% of project costs. Mezz rates typically 10–15% pa but materially cheaper than JV equity. We arrange mezz alongside senior debt and stretch senior.
The full Nottingham metropolitan area and the wider East Midlands: Nottingham City Centre, Broadmarsh, Lace Market, Hockley, West Bridgford, Beeston, Lenton, Dunkirk, Mapperley Park, Arnold, Bulwell, Sneinton. Beyond Nottingham we fund schemes across Derby, Leicester, Mansfield and the wider East Midlands.
Scheme appraisal / feasibility, planning permission (or application reference), QS-signed cost plan, developer CV with comparable completed schemes, 12 months’ bank statements, proof of equity, professional-team contact sheet. PBSA or hotel schemes also need operator agreements.
A specialist Nottingham broker understands what national brokers miss — Nottingham City Council planning priorities, Broadmarsh regeneration framework, Lace Market conservation-area design expectations, and the realistic price points on central-core land. With £300M+ arranged and a corporate-banking background, our team places your Nottingham scheme with the right desk first time.
Next step

Send me your scheme.
Real numbers in 48 hours.

I’ll shortlist three to five lenders, run your deal against their live positions, and come back with structured indicative terms. If the numbers don’t work, I’ll tell you straight — I don’t waste your time or mine.

Get indicative terms020 1234 5678