The right funding structure for your property ambitions – not just the most obvious one
Property and development finance is rarely one-size-fits-all. The right capital structure depends on your goals, your timeline, and the complexity of what you’re trying to achieve – and getting it wrong can be costly.
At Lindsay Finance, we work with property investors, developers, and businesses across the UK to find the most suitable funding solution for your situation. Whether you’re looking to purchase owner-occupied commercial premises, build a buy-to-let portfolio, fund a development, or navigate a complex multi-phase project, we take the time to understand what you need before we recommend anything.
Why work with Lindsay Finance on Property and Development finance?
We work with an extensive panel of lenders, including many not available on the high street, so we’re not limited to a handful of standard products. That independence means we can find the right structure for your deal, not just the easiest one to place.
Proven at scale
With over £1 billion in lending experience, we have the track record to handle complex, large-scale projects with confidence – and the relationships to back it up.
Funding that fits
Property and development finance rarely runs to a simple schedule. We work with lenders who understand that, structuring deals that flex around your timeline and requirements.
Genuine expertise
With over 100 years of collective banking and finance experience across the team, we understand the complexities of commercial property finance – and how to navigate them on your behalf.
Helping you navigate the complexities of property finance
Property & Development Finance Options
Commercial Mortgages
Long-term funding for owner-occupied trading premises or buy-to-let investment properties – structured around your goals and circumstances.
Bridging Loans
Fast, short-term funding to complete property transactions or cover urgent requirements while longer-term finance is arranged.
Development Loans
Comprehensive funding packages designed to cover land acquisition and construction costs for building project of any scale.
Auction Finance
Fast funding for time-sensitive purchases, so you can move confidently when the right property comes up.
Project Finance
Dedicated funding structures for large contracts and complex infrastructure projects, built around your delivery timeline.
Refinance Packages
Release equity from your existing property portfolio to free up capital and reinvest where it’s needed most.
Mezzanine Finance
Top-up funding to bridge the gap between your primary mortgage and your available project deposit.
Portfolio Finance
Streamline your business operations by consolidating multiple property debts into one manageable, cost-effective lending facility.
Lindsay Finance
Property & Project Finance FAQ’s
Yes. Our development loans cover the full project lifecycle, from initial land acquisition through to final build completion, and can be structured around your phasing and drawdown requirements.
Yes. Our auction finance provides fast capital to meet the strict completion deadlines that auction purchases require, typically within 28 days of the hammer falling.
Auction finance is a form of bridging loan specifically designed for the 28-day completion window required at property auctions.
Most lenders require a deposit of between 20% and 30%. However, through our specialist lender panel we can often access higher loan-to-value terms that aren’t available on the high street. We can also explore using other assets – such as property, vehicles, plant, or equipment – as additional security to help bridge the gap, opening up options that a standard application might not.
Yes. If your business is facing financial pressure, we’re happy to have an initial conversation to understand your situation. We can help identify any funding options that may be available to you and, where needed, point you in the right direction for specialist support.
Yes. We specialise in construction finance, covering the funding of machinery, materials, and labour throughout the project – structured to align with your build programme and cashflow needs.
