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Camden Development Finance
Camden's Development Finance Specialists

Development Finance in Camden — Expert Funding for Property Developers

Access competitive development finance from 100+ lenders. Rates from 0.65% pm. Decisions in 24 hours. Fund your next Camden property project.

FCA Registered100+ Lenders£300M+ Funded
£300M+
Development Finance Funded
100+
Lender Panel
24hr
Decision Turnaround
0.65%
Rates From (pm)

Development Finance Solutions for Camden

Whether you're building new homes near Kings Cross or refurbishing a period property in Hampstead, we'll find the right funding structure.

Development Finance

Fund your Camden property development with senior debt facilities up to 70% LTC and 65% GDV. Competitive rates from specialist lenders.

Up to 70% LTC, 65% GDV

Bridging Finance

Fast bridging loans for Camden property transactions. Complete in 5-10 working days with competitive rates for auction purchases, chain breaks, and refurbishments.

Completion in 5-10 days

Mezzanine Finance

Top-up your senior development loan with mezzanine finance for up to 90% combined LTC. Reduce equity requirements on your Camden development project.

Up to 90% combined LTC

Development Equity

Access equity partners and joint venture funding for Camden developments. Finance up to 100% of project costs through equity placement.

Up to 100% project costs
Local Expertise

Deep Knowledge of Camden's Property Market

Camden is one of London's most dynamic boroughs for property development. From the world-class regeneration at Kings Cross — which has delivered over 50 new buildings and 2,000 new homes — to the cultural vibrancy of Camden Town and the premium residential market of Hampstead, the borough offers diverse development opportunities.

Our team understands the nuances of developing in Camden. We know the planning environment, the conservation area requirements, the CIL obligations, and the local market dynamics that affect your development's viability and funding structure.

Whether you're converting a commercial building in Bloomsbury, developing a new-build scheme near Swiss Cottage, or refurbishing a period property in Belsize Park, we'll connect you with lenders who understand and value Camden property.

Camden at a Glance

Local Planning Authority
London Borough of Camden
Key Postcodes
NW1, NW3, NW5, WC1, WC2
Planning Timeline
8-16 weeks typical
Average Property Price
£750,000+
Major Regeneration
Kings Cross, £3B+
Conservation Areas
40+ across borough

How Development Finance Works

From initial enquiry to funding completion, we manage the entire process so you can focus on your Camden development.

Step 1

Tell Us About Your Project

Complete our quick online form or call us to discuss your Camden development project. We just need the basics to get started.

Step 2

We Source the Best Terms

We search across 100+ development finance lenders to find the most competitive rates and terms for your specific project.

Step 3

Receive Your Offer

Within 24 hours you'll receive indicative terms. Once accepted, we manage the process through to formal offer and completion.

Step 4

Funding Completed

Funds are drawn down in stages against Quantity Surveyor certification as your Camden development progresses.

Recent Camden Development Finance Deals

See how we've helped developers fund successful projects across Camden.

Office to Residential Conversion

Kings Cross Residential Conversion

Kings Cross, NW1

Funding
£2,800,000
GDV
£4,800,000
LTC
65%
Duration
14 months

A former office building near King's Cross Station converted into 12 high-specification residential apartments under permitted development rights. The development capitalised on the area's world-class transport links and the Kings Cross regeneration.

Mixed-Use Development

Camden Town Mixed-Use Scheme

Camden Town, NW1

Funding
£4,200,000
GDV
£7,500,000
LTC
70%
Duration
18 months

A ground-up mixed-use development comprising 8 residential units above ground-floor commercial space. Located within walking distance of Camden Lock Market, the scheme required sensitive design to complement the conservation area setting.

Premium Refurbishment

Hampstead Period Property Refurbishment

Hampstead, NW3

Funding
£1,500,000
GDV
£3,200,000
LTC
60%
Duration
10 months

Complete refurbishment of a Grade II listed Victorian property in the heart of Hampstead, creating 4 luxury apartments. The project required careful coordination with Camden's conservation team and Heritage England.

Camden Development Finance FAQ

Common questions about development finance in Camden.

Development finance in Camden typically ranges from £250,000 to £10 million or more, depending on the project. Lenders will assess your scheme based on Loan-to-Cost (up to 70% LTC) and Loan-to-Gross Development Value (up to 65% GDV). Factors specific to Camden, such as property values in areas like Hampstead versus Kentish Town, will influence the maximum facility available.
Development finance rates for Camden projects currently start from 0.65% per month, with arrangement fees typically between 1-2% of the facility. Rates depend on the loan-to-cost ratio, your development track record, the project's risk profile, and current market conditions. We compare rates across 100+ lenders to find the most competitive terms for your specific project.
We can provide indicative terms within 24 hours of receiving your project details. Full credit-approved offers typically follow within 5-10 working days. Completion and drawdown of funds depends on legal and valuation processes but can be as fast as 2-3 weeks for straightforward projects with experienced developers.
You'll typically need to contribute 30-40% of total project costs as equity (deposit). This can come from your own funds, existing property equity, or a combination. Mezzanine finance can reduce the equity requirement to as little as 10% of project costs, though this comes at a higher blended interest rate.
Yes, first-time developers can access development finance, though terms may differ from experienced developers. Lenders typically offer lower LTC ratios (55-60%) and may require additional security or a more experienced project team. We work with several lenders who specialise in supporting first-time developers on smaller schemes.
We fund a wide range of Camden development projects including ground-up new builds, office-to-residential conversions (particularly popular in Bloomsbury and Holborn), period property refurbishments (Hampstead, Belsize Park), mixed-use schemes (Camden Town), and commercial developments. Both residential and commercial end uses can be funded.
Development finance is drawn down in stages as construction progresses. A Quantity Surveyor (QS) appointed by the lender visits the site at agreed milestones to certify completed works. Once certified, the next tranche of funding is released. This staged approach protects both the lender and developer throughout the build programme.
Typical fees include: arrangement fee (1-2% of facility), valuation fee (£2,000-£5,000), monitoring surveyor fees (£500-£1,000 per visit), legal fees (£3,000-£8,000), and exit fee (0-1% — many lenders charge no exit fee). We provide a full fee breakdown before you commit to any offer so there are no surprises.

Development Finance Across Camden

We fund developments across all Camden neighbourhoods. Explore your area for local market insights and finance guidance.

N1C

Kings Cross

£3B+ regeneration zone

NW1

Camden Town

Iconic cultural quarter

NW3

Hampstead

Premium residential market

NW5

Kentish Town

Strong growth potential

NW3

Belsize Park

Premium village character

NW5

Gospel Oak

Active regeneration area

WC1

Bloomsbury

Cultural & academic centre

WC1

Holborn

Commercial hub opportunities

NW3

Swiss Cottage

Major development corridor

NW1

Chalk Farm

Creative quarter location

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