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Permitted development loans – transforming spaces, unlocking value

Permitted development projects allow investors to repurpose existing buildings without full planning permission. Our tailored permitted development finance supports conversions with flexible funding, expert guidance, and solutions to maximise value and returns.

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Tailored finance for permitted development

Permitted development projects offer investors and developers the opportunity to repurpose existing buildings into profitable property assets without the need for full planning permission. From offices converted into residential apartments to retail or light industrial spaces adapted for new uses, permitted development schemes can unlock significant value.

Our tailored finance solutions are designed to support these projects, offering flexibility to meet varied timelines, construction needs, and investment goals. With expert underwriting and an understanding of the unique challenges permitted development can present, we provide funding that helps transform potential into reality, enabling clients to maximise returns from redevelopment opportunities.


Key lending criteria

  • Loans from 拢500k up to 拢20m
  • Up to 75% LTV for residential properties, 65% for commercial
  • Variable and fixed-rate options: 2, 3, or 5 years
  • Lending across England, Scotland & Wales
  • Flexible terms: 3 to 18 months
  • Available to individuals, limited companies, LLPs, Special Purpose Vehicles (SPVs), and trusts
  • Interest roll-up, retained interest, part-serviced and serviced options available
  • First-time investors considered (case by case)
  • UK and foreign nationals welcome* subject to due diligence (*UK bank account required)
  • All types of asset classes considered – residential, semi-commercial & commercial
  • Flexible structures for acquisition, build costs, and refinance
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Why borrow with us

Quick decision and funding

Access fast approvals and funding to capitalise on time-sensitive permitted development opportunities

Flexible loan terms

Choose loan durations from 3 to 18 months, aligned with your client鈥檚 project timeline and exit strategy

Competitive loan-to-value (LTV)

Borrow up to 75% LTV, maximising leverage while managing risk effectively

Unlock property potential

Repurpose buildings with flexible finance, expert support, and tailored solutions for maximum returns


Additional highlights

Fast funding decisions

Quick approvals to act swiftly on permitted development opportunities

Flexible loan terms

Choose from 3 to 18 months, tailored to project needs

Competitive loan-to-value (LTV)

Borrow up to 75% LTV to maximise investment

Large loan sizes

Access loans up to 拢20m for projects of all scales

Flexible security options

Accepting mixed-use and residential assets as security

Transparent terms and competitive rates

Clear pricing to manage costs and maximise returns

Experienced support team

Specialists in permitted development finance guiding every step

Funding for all project stages

Finance available for acquisition and refurbishment phases

Speak to our specialist team today to secure finance that supports your clients鈥� permitted development projects unlocking value and enabling profitable conversions with confidence.

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Why bridging is on the rise

Permitted development projects are on the rise due to relaxed planning regulations, allowing faster, cost-effective property conversions without full permissions. This boosts developer flexibility, reduces delays, and meets growing demand for residential and mixed-use spaces amid changing market needs.

Permitted development finance – frequently asked questions

Yes, bridging loans offer quick, flexible funding tailored to the fast timelines and unique needs of these projects.

Yes, permitted development comes with limits on size, use, and design, and sometimes requires prior approval or compliance with local regulations.

Permitted development allows certain building works and changes of use without needing full planning permission, speeding up property conversions and renovations.

Common projects include converting offices to residential units, adding extensions, or changing commercial spaces into homes, subject to specific rules and limits.

Permitted development reduces planning permission delays and costs, enabling faster project completion and quicker returns on investment, whilst re-purposing an existing asset.