Senior Development Funding 

Any significant construction project, whether it’s a single bespoke build or a multi-unit scheme, senior development finance is the primary vehicle of funding. It is the first charge loan that covers a strong portion of the land purchase and the majority of construction costs. We understand that senior development finance is not just about the interest rate – it is about leverage, cash flow, and control. We structure facilities that provide the financial headroom our clients need to navigate the inevitable challenges of property developments. 

Mezzanine & Junior Finance 

In property development, having your equity tied up in a site can limit your ability to progress with other projects in the pipeline as you struggle to recycle capital. This is where Mezzanine Finance equips developers with the tools needed to stretch their equity further, taking on larger projects or running multiple sites simultaneously.We specialise in the capital stack. We can layer mezzanine finance on top of the senior debt to maximise your Return on Equity (ROE)

Stretch Senior Development Funding 

Developers seeking maximum leverage without the administrative complexity of managing multiple lenders, a stretch senior development loan is the ultimate solution. As the name suggests, this product “stretches” higher than a standard senior development loan, effectively combining the leverage provided by a mixture of senior debt and mezzanine finance into one single facility from one lender. Temple Solutions Consultancy has direct access to several specialist lenders offering this product. We help you secure up to 75% of the Gross Development Value (GDV) or 90% of Loan to Cost (LTC) in a single transaction, keeping your capital stack clean and your personal equity contribution low

Development Exit Funding 

The final stage of a development is often the most stressful – the sales period. Your units are built (or nearing completion), but your development loan is reaching its expiry date. Pressure from the lender to settle the debt can force you to discount prices for quick sales, eroding your hard-earned profit. We specialise in these situations by assisting our clients in securing a specialised bridging loan that pays off your existing construction lender. This buys you time to sell your units at their full market value and can even release equity early to fund your next project. 

First time Developer Facilties

This is development finance specifically structured for individuals or companies undertaking their first ground-up scheme or major conversion. It focuses less on your personal track record and more on the team you have assembled around you and the economic feasibility of the scheme. Lenders often fear that a new developer won’t know how to handle a contractor going bust or a planning discharge delay. To address this concern, first-time developer loans are underwritten based on the experience of the project manager, architect, and main contractor. Temple Solutions Consultancy have assisted many developers from this stage, acting as a valued partner through growth and also supporting as a custodian. 

If we are unable to resolve your complaint, you may be able to take it to the Financial Ombudsman Service for resolution