Development finance for Newcastle property developers.
Senior debt, stretch senior, mezzanine, JV equity and exit finance — sourced from 100+ specialist lenders and structured around your Newcastle scheme. Indicative terms in 48 hours.
Capital arranged
Deals completed
Lender panel
Years in market
The market, in numbers.
last 12 months
100+
Lenders
Active on panel
48hr
Indicative terms
From complete enquiry
£300M+
Arranged
Across the network
90%
Max LTC
Stretch senior
Pilgrim Street, the Helix and a Tyne corridor delivering one of the North East’s deepest pipelines.
Newcastle upon Tyne is the commercial capital of the North East and one of the most active regional development markets outside London. The Pilgrim Street masterplan — the c.£500m Reuben Brothers-led regeneration of the East Pilgrim Street block — anchors the city centre with the new HMRC regional hub at Pilgrim’s Quarter, Grade A offices, hotel and residential. The Newcastle Helix (Science Central) is delivering offices, labs, BTR and PBSA on the former Scottish & Newcastle brewery site. The Stephenson Quarter, Forth Yards and Quayside together carry the bulk of central residential and BTR delivery, while the south bank at Gateshead Quays (with the Sage Glasshouse anchor) and Trinity Square extend the regeneration footprint across the river.
The student market underpins the central pipeline. Newcastle University (c.30,000 students) and Northumbria University (c.37,000 students) sit immediately north of the city core, driving sustained PBSA demand around the Helix and Sandyford. Heaton and Jesmond remain the city’s HMO and student-let core (both subject to Article 4). Beyond Newcastle itself, Riverside Sunderland (the Vaux site), Walker Riverside, Byker and the North Shields Fish Quay regen all feed the regional pipeline, supported by the North of Tyne / North East Combined Authority devolution settlement.
I arrange development finance across every corner of the Tyne and Wear conurbation and every mainstream asset class — residential, commercial, industrial, mixed-use, PBSA, BTR, hotel, care home, retail, and office. Facility sizes from £500K to £20M+. One specialist broker, the full lending stack, indicative terms in 48 hours.
Every product, the real numbers.
Indicative ranges pulled from live lender positions — market conditions and borrower profile shift these every month.
| Product | Facility | LTC | LTGDV | Rate (pa) | Term |
|---|---|---|---|---|---|
Senior Development Standard product. New build, conversion, refurb. Day-one land + staged build drawdown. | £500K – £30M | up to 70% | up to 65% | 7.0 – 9.0% | 12 – 24m |
Stretch Senior Capital-efficient. For experienced developers with proven track record. | £750K – £25M | up to 85% | up to 70% | 7.5 – 10.0% | 12 – 24m |
Mezzanine Second-charge behind senior. Bridges the equity gap on larger schemes. | £250K – £10M | up to 90% | up to 75% | 10 – 15% | 12 – 24m |
JV Equity Equity partner into the SPV. For proven operators scaling deal flow. | £500K – £20M | up to 100% | negotiated | Profit share | Project life |
Development Exit Refinance senior on practical completion. Release equity while you sell. | £500K – £25M | — | up to 75% | 6.5 – 8.5% | 6 – 18m |
Conversion / Refurb Light refurb, heavy refurb, commercial-to-residential, PDR conversion. | £250K – £10M | up to 75% | up to 70% | 7.5 – 10.5% | 6 – 18m |
Senior Development
Standard product. New build, conversion, refurb. Day-one land + staged build drawdown.
Facility
£500K – £30M
LTC
up to 70%
LTGDV
up to 65%
Rate
7.0 – 9.0%
Stretch Senior
Capital-efficient. For experienced developers with proven track record.
Facility
£750K – £25M
LTC
up to 85%
LTGDV
up to 70%
Rate
7.5 – 10.0%
Mezzanine
Second-charge behind senior. Bridges the equity gap on larger schemes.
Facility
£250K – £10M
LTC
up to 90%
LTGDV
up to 75%
Rate
10 – 15%
JV Equity
Equity partner into the SPV. For proven operators scaling deal flow.
Facility
£500K – £20M
LTC
up to 100%
LTGDV
negotiated
Rate
Profit share
Development Exit
Refinance senior on practical completion. Release equity while you sell.
Facility
£500K – £25M
LTC
—
LTGDV
up to 75%
Rate
6.5 – 8.5%
Conversion / Refurb
Light refurb, heavy refurb, commercial-to-residential, PDR conversion.
Facility
£250K – £10M
LTC
up to 75%
LTGDV
up to 70%
Rate
7.5 – 10.5%
Sanity-check your scheme in a minute.
Drop in your GDV, build costs and term. The calculator is pre-set at market-typical senior ratios (70% LTC / 65% LTGDV) so the output reflects what Newcastle lenders are quoting this month, not last cycle.
For a tailored quote with live lender positions, call me on 0191 321 5050.
Scheme inputs
Drag the sliders.
Based on Newcastle market averages
Your estimate
Indicative Loan Amount
£1,190,000
Lower of 70% LTC and 65% LTGDV — capped by LTC.
- Loan to Value
- 47.6%
- Loan to Cost
- 70.0%
- Profit on Cost
- 47.1%
- Indicative Rate
- 7.5% – 9.5% pa
- Est. Monthly Interest
- £8,429
- Est. Total Interest (18m)
- £151,725
100+ lenders, one broker.
We hold live relationships with every mainstream and specialist lender active in the Newcastle market — from challenger banks to specialist development funds. One enquiry, one integrated negotiation across the whole panel.
Below: a selection of lenders we have placed Newcastle development deals with in the last 18 months.
Shawbrook
Challenger bank
Paragon
Challenger bank
United Trust Bank
Specialist bank
OakNorth
Challenger bank
Aldermore
Specialist bank
Together
Specialist lender
Assetz Capital
Specialist lender
Octane Capital
Specialist lender
LendInvest
Specialist lender
Maslow Capital
Specialist lender
Atelier Finance
Specialist lender
Puma Property Finance
Specialist lender
Close Brothers
Specialist bank
Hope Capital
Specialist lender
MT Finance
Specialist lender
Avamore Capital
Specialist lender
Glenhawk
Specialist lender
Investec
Private bank
Real schemes, real facilities.
Quayside Listed Conversion
32-unit Grade II warehouse · 14m
£5.4M · 72% LTC
Helix-Adjacent PBSA
210-bed purpose-built student · 16m
£11.2M · 70% LTC
Gosforth Boutique
14-unit apartment scheme · 11m
£3.1M · 70% LTC
The human behind the panel.
Hi — I'm Matt. I've spent two decades in property lending, most of it arranging development facilities for Newcastle developers. What I do now is simple: I bring schemes I believe in to lenders I already know, and I don't waste anyone's time if the numbers don't work. If you want a straight answer on your scheme, send it through — you'll hear back within 48 hours, and it won't be a form response.
Matt/Founder · 20+ years in development finance
Experience
20+ years
In property lending, including senior HBOS corporate banking.
Arranged
£300M+
In development facilities across the UK.
Lender panel
100+ lenders
Live relationships with every mainstream and specialist development lender active in the UK market.
Network
Construction Capital
Part of the UK's largest independent development finance brokerage.
We needed stretch senior for a Quayside-adjacent scheme. Matt’s team placed us at 8.3% with 82% LTC — materially better than the incumbent broker had quoted.
James T.
Director, North East Developments Ltd
A 210-bed PBSA near the Helix. Operator pre-let in place, funded 22 working days from enquiry to drawdown. Senior 70% LTC with tight pricing from a specialist student lender.
Sarah K.
MD, Tyne Student Property Group
First-time developer on a 14-unit Gosforth scheme. The team guided me through every step — funded in 4 weeks, couldn’t recommend them more highly.
David R.
Property Developer, Newcastle
Development finance FAQs.
Send me your scheme.
Real numbers in 48 hours.
I’ll shortlist three to five lenders, run your deal against their live positions, and come back with structured indicative terms. If the numbers don’t work, I’ll tell you straight — I don’t waste your time or mine.