Spring 2024: Development Finance Report

Finding the Right Finance When Inflation & Interest Rates Rise

Inside this report is:

• A snapshot table of the top 24 lending options under £10m
• Analysis of the changes to lending since the mini-Budget crisis
• Clarity on whether a fixed or variable rate is the right type of finance
• A set of questions to ask lenders
• What the next steps are

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The Report in more detail..

As a result of inflation and interest rate rises, development finance lenders are now executing a variety of approaches and their products have changed quickly to reflect this.

In this Free Report, we will provide the following:

A snapshot of the best current finance products available at:

• 65% of GDV
• 70% of GDV (10 options) and 
• 75% of GDV (yes 2 lenders are still genuinely providing 75% of GDV gross)

Products are analysed by:

• What the total “All in” Interest Rate is
• A breakdown of the two components of the All In Rate
• Lender Margin
• Base Rate or SONIA
• Which SONIA rate is being used (there are at least 3)
• Is the Rate fixed or variable
• Does the lender compound interest monthly or quarterly

We will then analyse the market further by answering the following questions:

1 - What’s happened to Leverage?

• Can you now borrow more debt or less?  
• Have lenders retreated, or is more leverage on offer?
• The answer may surprise you

2 - What’s happened to Rate?

• Is every lender more expensive?

3 - Has the Day 1 Amount changed?

4 - Should you fix a rate, or remain on a variable?

5 - Who has the cheapest interest compounding

• i.e. who compounds over the longest period?

Finally we will provide:

6 - Questions you should ask your current lender, or any lender you may approach

And discuss:

7 - Why your view on the economy/future Bank of England rate changes matters, and whether it’s best to wait or act now..

If you're in need of development finance soon, this information may be extremely timely.

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