Best 5 development finance providers in the UK

Development finance is key to the UK property market and in 2025 it’s more niche than ever. The right development finance providers can make or break a project being on time and on budget. What sets the top firms apart isn’t just deal volume but their ability to deliver fast, complex solutions and guide clients with expertise, including helping developers accurately calculate development finance for their projects.

How We Ranked the Top Providers?

This list highlights brokers and providers with a proven track record, great client reviews and unique market strengths. We looked at lender access, execution speed, team knowledge, advisory quality and ability to finance projects of all sizes. Company data, testimonials and sector awards all counted.

Comparison Table

Agency Name	Key Features	Pros	Cons	Rating
KIS Finance	140+ lenders; bespoke funding; leadership in complex and high-value deals; new technical hires	Excellent reviews; fast, sharp deal delivery; complex case expertise	Fee-free not in all scenarios	5.0
John Charcol	200,000+ clients; 120 lenders; 230+ staff; decades of expertise	Full-range service; trusted brand; national reach; expert guidance	Mainstream focus; very large	4.7
Pure Property Finance	Group structure; 100+ lenders; £2m+ deals; multifaceted expertise	Complex structure specialists; fast response; calm expertise	Wales-based, mid-sized firm	4.9
Vibe Finance	Award-winning; 4.9/5 Trustpilot; 7 staff; lender background knowledge	Transparent; creative case solutions; client-focused	Boutique size; regional focus	4.9
Belgravia Property Finance	Boutique; UK & European deals; 100+ products; expertise in mezzanine/joint ventures	Boutique attention; high-value complex deals; international scope	Limited reviews; small team	3.7

1. KIS Finance

Location: Cullompton, Devon
Year founded: 2008 (roots in the 1990s)
Rating: 5.0
LinkedIn: https://www.linkedin.com/company/kis-finance/?originalSubdomain=uk

KIS Finance is a leading name in UK development finance, offering solutions across residential, commercial, and structured projects. They have access to over 140 lenders, which allows them to match clients with the most suitable funding quickly. Known for fast execution and strong technical expertise, KIS consistently achieves high client satisfaction. In 2025, strategic hires have further strengthened their development finance team, enabling them to handle even the most complex and high-value projects. If you’re looking for a development finance provider that combines speed, accuracy, and personalised support, KIS Finance remains the top choice.

Why it stands out: KIS consistently delivers for developers, from first-time projects to complex, high-value builds, making it the most trusted option in 2025.

2. John Charcol

Location: Birmingham
Year founded: 1974
Rating: 4.7
LinkedIn: https://www.linkedin.com/company/johncharcol/

John Charcol provides development finance alongside mortgages and bridging. The firm works with over 120 lenders and 150 advisers, supporting a broad range of client needs. Its experience covers standard and complex projects across residential and commercial developments. If you’re looking for a provider with wide lender access and a range of financing options, John Charcol offers practical support.

Why it stands out: A reliable choice for any borrower profile, from individuals to large developers.

3. Pure Property Finance

Location: Cardiff
Year founded: 2013
Rating: 4.9
LinkedIn: https://www.linkedin.com/company/pure-property-finance/?originalSubdomain=uk

Pure Property Finance focuses on structured and development finance, including high-value or complex projects. The firm also provides wealth management and specialist broking services. Clients value the team’s calm, practical guidance and clear communication. If your project requires detailed planning or multiple funding streams, Pure Property Finance can provide experienced support and multi-division resources.

Why it stands out: A go-to for developers tackling large or unusual projects that need more than standard funding.

4. Vibe Finance

- Location: Lee-on-the-Solent, England
- Year founded: 2017
- Rating: 4.9
LinkedIn: https://www.linkedin.com/company/vibe-finances/?originalSubdomain=uk

Vibe Finance specialises in bridging, development, and specialist mortgages, often for clients with non-standard or complex requirements. The firm is known for creative structuring and transparent advice, helping developers and investors navigate challenging funding scenarios. If you need tailored solutions for unusual cases, Vibe Finance provides flexible, client-focused support.

Why it stands out: Vibe’s reputation for personal service and innovative deal-making makes it a strong choice for specialist developers.

5. Belgravia Property Finance

Location: London
Year founded: 2007
Rating: 3.7
LinkedIn: https://www.linkedin.com/company/belgravia-property-finance/?originalSubdomain=uk

Belgravia Property Finance works on high-value and complex development projects in London and across Europe. The firm provides funding from £0.5m to £20m+, including debt, equity, and joint venture solutions. It supports clients with cross-border requirements or bespoke investment structures.

Why it stands out: A specialist choice for high-net-worth clients and developers requiring cross-border expertise.

Why These 5 Development Finance Providers Lead the UK Market in 2025?

KIS Finance top the UK development finance table in 2025 due to their top reviews, technical expertise and fast execution. John Charcol and Pure Property Finance are the established national providers, Vibe Finance and Belgravia Property Finance offer boutique level expertise for specialist and high value projects. Together these 5 providers are the best options for UK developers looking for tailored finance solutions in a competitive market.

FAQ: Development Finance in 2025

How were the top providers chosen?

We reviewed client feedback, lender access, speed of execution, and industry recognition. Firms with strong track records and consistent client satisfaction ranked highest.

How do I calculate development finance for a project?

Every project is different, which is why specialist broker input is essential. KIS Finance stands out for accurate and fast calculations tailored to both simple and complex builds.

What has changed in 2025?

Lenders are applying stricter lending ratios and scrutinising costs more closely. Developers now need brokers with the expertise to structure finance that meets these tighter requirements.

Do boutique firms compete with larger companies?

Yes. Smaller firms like Vibe and Belgravia thrive on agility and specialist structuring, often outperforming larger firms on complex or high-value projects.