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Development Finance
Available for residential and commercial projects, property development finance is a sought-after lending solution for clients ranging from first-time developers to multi-national building companies, and for loans of £100,000 to £100 million and above.
Panthera's advisors source finance for both ground up and part-completed projects, mezzanine finance, liquidity requirements and development exits onto long-term buy-to-rent or commercial loans.
What is property development finance?
Property development finance is a specialist short-term finance product designed for property construction, refurbishment or redevelopment projects. It provides structured lending solutions for developers and investors, covering land acquisition, build costs and associated expenses, ensuring financial flexibility and cash flow management throughout the development process.
How does development finance work?
Following the input of equity, senior development finance is typically offered in two parts. The first part assists with the purchase of land or the site, and the second part is designed to fund the cost of build or refurbishment works.
Financing during project development
During development of the project, a lender will often drawdown the finance in stages to ensure the work is progressing as expected. A project manager and surveyor will likely be involved, assessing the development to certify that lender funds are being used correctly.
Types of development finance lending
The Panthera Finance advisors can source funding for ground up, part-completed and refurbishment projects. We also arrange mezzanine finance, which is second charge lending at higher rates than the senior loan and is used to meet liquidity requirements and bridge gaps between debt and equity. We also arrange exit solutions to refinance completed development loans onto long-term buy-to-rent or commercial mortgages.
How Panthera Finance Sources Development Finance
At Panthera Finance, our expert advisors can build an extensive development finance proposition based on our unrestricted access to the wider market of lending products. We’ll partner with you and your associated parties to gather all the necessary information, ready to present your application in the best possible light to the most appropriate lenders.
Our relationship with lenders
Our outstanding reputation ensures that we can leverage our long-standing relationships in the lending market, enabling our extensive panel of banks, specialist and niche lenders to make quick credit decisions based on our detailed understanding of the nuances of each case.
Property Development: Equity
In addition to lending, Panthera Finance can assist with equity solutions for your project. We help analyse and improve profit margins, making your development attractive to our vast network of investors and funders.
Property Development: Investment
We continuously expand our network and are always open to meeting investors, funders, real estate professionals, and high-net-worth individuals who are interested in property as a current or future investment opportunity. To get started, speak to our development finance experts today.
Meet our dedicated team
Meet our expert team of development finance brokers.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Raju Miah
Associate Director
Raju joined the team at Panthera after gaining 8 years’ experience as a structured finance broker.
He has developed a strong reputation for commercial, development and bridging finance, with notable expertise in identifying and sourcing both debt and equity.
Raju excels at creating customised solutions, carefully structuring options to fit each client’s financial circumstances. His attention to detail and tenacity have enabled him to assist in a diverse range of situations.
In his spare time, Raju enjoys trying new foods, playing football and spending quality time with family, especiallly cherishing fatherhood with his young daughter.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
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Our professional advisors would be delighted to speak with you and discuss your requirements.
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