Property development finance. The new norm in funding

>  One-stop funding partners
property development finance office activity

In today’s ever-changing markets, it’s not business as usual

Due to a highly fragmented landscape, property development finance has become more complicated and demanding than ever.

We help developers who know their local markets but need access to capital, offering flexible solutions across the capital structure to help effectively scale their projects and grow their businesses.


Does this sound familiar?


>  Increased upfront capital required
>  Multiple funders for each development
>  Slow, inflexible process
>  Increased opportunity cost

Today’s developer needs a bigger toolkit of specialist financial skills. We combine development experience with data-driven analytics to help you make better decisions.

We are entrepreneurial, deal-driven and move quickly to provide the funding you need to seize opportunities.

property development finance results

Your equity stretched further

Your exposure reduced

Time and uncertainty saved

Saam Lowni - Hilltop Credit Partners

“Hilltop provides one-stop property development finance for up to 90% of the project cost or 75% GDV. We eliminate the uncertainty and cost associated with multiple sets of legal documents, surveyor reports and professional agreements.”

Saam Lowni
Head of Origination

Our senior management team is financially committed to your project and our returns come from its completion – success matters as much to us as it does to you

Smart Capital – all your property development finance under one roof

Secure sites, build and sell homes in a fast, cost-efficient manner. Hilltop’s funding process is focused uniquely on your business.

We provide up to 75% LTGDV / 90% LTC of your project all under one roof.

This eliminates the time, uncertainty and cost associated with multiple professional agreements and legal documents.

Traditional property development finance stack
Hilltop property development finance stack

We make life a lot simpler for residential developers

By developers,
for developers

Hilltop are founded and run by developers with more than 25 years’ experience working through market cycles. We know what it’s like being in your shoes. We know how important it is to react to the inevitable market changes that occur during a project.

Because we lend deeper into the capital stack, we assume more of the risk and are fully aligned with you. We do more upfront ensuring your development is viable and, if something goes wrong, work with you to right it. We’re a true funding partner, not just another property development finance company.

property development - large structure

Up to 75% LTGDV – key funding features

Key Lending Criteria

Borrowers: Established small and mid-sized UK residential developers with demonstrable track records (including student and supported living)

Planning Permission: required, although application can proceed pending planning permission

Developer equity: 10% (credit may be given for equity in land or similarly  contributed collateral, at fair market value)

Leverage: Up to 90% Loan to Cost and up to 75% Loan to Gross Development Value*

Loan Size: From £10 million to £50 million

Rates: From 8% on drawn capital, paid at maturity

Loan term: Between 12-24 months

* Possible to 98% LTC with private equity partners

Why choose Hilltop?


Unrivalled leverage – up to 75% LTGDV / 90% LTC



Move quickly with funds in as little as 6 weeks


Exit-driven funding structure aligns us with you



Frees you to focus on your developments



Minimal cash outlay helps grow and scale your business


Backed by partners with an $8bn global footprint

See what difference Hilltop can make to your bottom line. Register your interest below for a working example of our funding model…


…and we’ll get right back to you.

© Hilltop Credit Partners 2019 - all rights reserved

  • Updated April 2020 - UK Residential Real Estate Market Review 2020
    Essential data for property developers and investors alike

    Download here