Buy to Let Mortgages
Whether you are a first time landlord or an experienced investor, our team will help you find the right solution no matter your strategy or scale.
Development Finance
Development Finance Built by Property Developers, for Property Developers
Development finance requires more than a standard lending approach. At Omni Funding, we were founded by property investors and developers who understand the real-world challenges of funding residential and mixed-use developments. We created Omni Funding to give developers access to flexible, commercially minded finance that supports delivery, profitability, and growth.
Whether you’re undertaking a single new-build, a conversion project, or a multi-unit development, our development finance solutions are designed to align funding with your build programme and exit strategy.
Flexible Development Finance for Every Stage of a Project
Development projects vary in scale, complexity, and risk profile. We work with specialist development lenders across the UK to secure funding that reflects your experience, project viability, and end value.
We arrange finance for:
- Ground-up residential developments
- Conversions and change-of-use projects
- Multi-unit schemes and small housing developments
- Mixed-use developments
- First-time and experienced developers
Funding structures can include staged drawdowns, rolled-up interest, and flexible exit options tailored to your timeline.
Strategic Funding Backed by Development Experience
As investors and developers ourselves, we understand that the success of a project depends on more than just access to capital. Timing, cash flow, cost overruns, and lender expectations all play a critical role.
Our experience allows us to:
- Structure funding around build schedules and cash flow
- Identify potential lender concerns before application
- Support GDV-based lending assessments
- Help present strong, lender-ready proposals
We act as a strategic funding partner, not just an intermediary, ensuring your finance supports delivery from acquisition to exit.
Portfolio Funding FAQ's
What is development finance?
Development finance is a specialist form of lending designed to fund property construction, conversion, or redevelopment projects. Funds are usually released in stages as the build progresses.
How much can I borrow?
Lenders typically offer funding based on a percentage of build costs and GDV. Loan-to-cost levels often reach up to 70%, with GDV lending commonly up to 60–65%.
Do I need planning permission in place?
Most lenders require full planning consent before offering development finance. Some will consider funding with outline or permitted development rights, depending on the project.
How are funds released?
Funds are released in staged drawdowns following site inspections at key build milestones.
Can first-time developers get development finance?
Yes. First-time developers can access funding, particularly for smaller schemes, provided the project is viable and supported by an experienced professional team.
Expert Development Finance Advice with Commercial Insight
Development finance is one of the most specialist areas of property lending. Lenders assess risk based on planning status, build costs, contractor experience, professional team strength, and exit strategy.
At Omni Funding, our development finance service is built around three core principles:
1. Clear Project Assessment
We help you present your scheme in a way lenders understand, reviewing build costs, contingency allowances, timelines, and GDV to ensure your application meets funding criteria.
2. Access to Specialist Lenders
We work with lenders who specialise in development funding, offering competitive leverage, staged drawdowns, and flexible interest structures designed for developers—not owner-occupiers.
3. Funding Aligned to Your Exit
Whether your exit is sale, refinance, or portfolio
Other Services
Bridging Finance
Buying at auction, stuck in a chain, or looking to add value with a project? Our team has brokered over £75m in bridging loans across a multitude of projects.
Portfolio Funding
Looking for creative ways to fund, or refinance a portfolio? Our team of experts will guide you through every step of the process and help find a tailored solution.
Services
Locations
Contact Us
- 0131 322 6632
- info@omnifunding.co.uk
- 6 Dryden Road, EH20 Business Centre, EH20 9LZ
OMNI Funding is a trading name of Omni FS Ltd, and is an appointed representative of Greig Oliver which is authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 760195).
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
We are a credit broker, not a lender. We source finance from the whole of the market. We conduct both regulated and unregulated business, and therefore, not all products provided through us are regulated by the Financial Conduct Authority.
Typically, we receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Omni FS Ltd registered in Scotland SC852527. FRN: 1042253. Registered office: 6 Dryden Road, EH20 Business Centre, Loanhead, Midlothian, EH20 9LZ.
ICO registration number is ZC074405
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