Property Finance

Property Development & Refurbishment

White Rose Finance has been funding development projects for over fifteen years. Structured finance available up to 90% of the overall project costs (site and development costs)

Call for a no-obligation initial assessment of your options

We're Proud to Fund Exciting Local Projects

With the knowledge that comes from being a principle funder of local development projects, we will bring this expertise to bear on your project by canvassing the whole of the market and obtaining the best cost of finance for your project.

Whole-of-Market Development Specialists

  • New build single unit to multi-unit schemes
  • Phased Developments
  • Major refurbishments and Permitted Developments
  • Partially Completed Schemes
  • FCA Regulated self-build projects

We can lend our own money or discuss your project with over 30 funders, lending money now throughout the UK.

In addition to funding the simpler ground-up single dwellings the practice specialises in more complex cases such as:

  1. Clients with minimal experience.
  2. Developments where part of the site will be kept for personal use and part sold on (or held) for investment.
  3. Modern methods of construction and eco-builds.
  4. Projects where the majority of the client contribution comes from a planning gain
  5. Joint Ventures and investor led developments.
  6. Lending with multiple lenders – senior debt and mezzanine funding.
  7. Funding for sites that have stalled or have encountered cost over-runs.

Taking you from Agreement in Principle to Draw down of Funds

Unlike other brokers, we have a genuine breadth of funders that range from high street banks to challenger banks, specialist lenders, P2P funders and high net worth individuals. We can advise you on structuring your project in the right way to secure finance and provide you with the right forms to show your experience.

In turn, our experienced team will work with you to make sure the absolute strongest possible presentation gets put to the lenders to increase your chance of success, and if needs be, accompany you to the lender meetings that can often prove crucial to ensuring your project is funded.

Unlike other brokers we don’t leave you at that point but work with you throughout the lending and legal due diligence to make sure that any deadline for starting work gets met. Each project has its own pitfalls but we understand where the pressure points are with each lender and how to speed the process and minimise the stresses that these applications can cause.