Development Finance
Ground-up construction, conversion and substantial refurbishment. Structured around land and build cost with staged drawdowns released against certified progress, priced against the scheme's GDV and its exit.
Property Finance
Capital For What You Are Building.
Bridging, development and commercial property finance for developers and investors, structured by people who understand GDV, build costs, drawdown schedules and exit strategy because they have worked with them directly.
No obligation · Enquiring will not affect your credit score · We respond within 24–48 hours
Our Solutions
Funding Across The Property Lifecycle
Bridging Finance
Short-term secured funding where speed decides the outcome: securing a site, completing at auction, breaking a chain, or covering the gap while longer-term funding is arranged. Always structured with a credible, clearly defined exit.
Commercial Mortgages
Longer-term funding to purchase or refinance commercial premises, whether owner-occupied or held as an investment. Structured around the covenant and the rental income.
Buy-To-Let & Portfolio
Individual investment properties through to portfolio facilities across multiple assets, including limited company and SPV structures, HMOs and multi-unit blocks.
Refinance On Completion
Moving a completed scheme off expensive short-term funding onto appropriate longer-term terms, releasing the profit and the capital for the next site.
Land & Site Acquisition
Funding to secure a site with or without planning consent, structured with an appropriate exit, a development facility once consent is granted, or a sale.
The Developer Journey
We Fund The Whole Scheme, Not One Stage Of It.
A development is not a single financing event. It is a sequence, and each stage constrains the one after it. Getting the acquisition facility wrong makes the development facility harder. Getting the development facility wrong makes the refinance harder. We plan the whole route from the beginning.
01
Acquisition
Bridging or land acquisition finance
Securing the site, at auction, off-market or conventionally, with or without planning. Speed and certainty of funds usually matter more than headline cost, but the facility still has to be structured so it does not create a problem at the next stage.
02
Build
Development finance
Funding the construction, with drawdowns released against certified progress. The critical work is a drawdown schedule reflecting how the build will actually run rather than an idealised programme, so cash is available when subcontractors need paying.
03
Completion
Refinance, commercial mortgage or buy-to-let
The scheme completes and expensive short-term funding needs to come off. A refinance onto appropriate longer-term terms, or a sale, releases the value created and stops interest eating into the profit.
04
The Next Site
The cycle begins again
Capital released becomes the deposit and working capital for the next scheme. By this point we understand your track record and delivery capability, which makes the next case materially easier to place.
From the founder
Most brokers arrange one facility. We plan the sequence.
Oakmont's founder, TJ, works in property development. That means we understand what happens when a build programme slips by six weeks and the interest roll-up assumption no longer holds; why a drawdown schedule that looks fine on a spreadsheet can starve a site of cash at the wrong moment; and that a GDV figure is an argument, not a fact, that has to be evidenced to a valuer. For you, that means a case that reaches an underwriter properly structured, and a funding partner who will tell you when a scheme does not stack rather than letting a valuer deliver the news three weeks later.
Property Finance FAQs
How much of the scheme can be funded?
It varies with the scheme, location, your experience and the lender. Development facilities are commonly assessed against a percentage of land cost, a percentage of build cost, and a maximum against GDV, and the binding constraint differs from deal to deal. Rather than quote a generic figure, we will run your actual numbers and tell you where you realistically sit.
Can you fund a first-time developer?
Yes, though the lender pool is narrower and terms reflect the additional risk. What makes the difference is the strength of the professional team around you, the quality of the appraisal, and how well the case is presented. Being a first-time developer is a reason to have someone experienced arguing your case, not a reason to expect a refusal.
What is the difference between bridging and development finance?
Bridging is short-term funding secured against a property, usually in a single advance, used where speed matters and repaid from a defined exit. Development finance funds a construction programme and is released in stages against certified progress, driven by build cost and GDV. Many schemes use both in sequence.
Do I need planning permission before you can help?
No. We regularly fund site acquisitions ahead of consent, typically on a bridging structure with a clear plan for what happens if consent is granted and if it is not. What matters is that the exit is credible in both scenarios.
How is interest handled on a development facility?
On most development facilities interest is rolled up or retained rather than serviced monthly, settled on repayment out of the exit. That protects cash flow during the build but compounds the cost if the programme runs long, which is precisely why the drawdown schedule and programme assumptions matter.
How quickly can bridging complete?
A well-prepared case with a clear title position and a responsive solicitor can complete in days rather than weeks. The realistic constraint is usually legal work rather than lender decisioning. We will tell you honestly what is achievable on your timescale.
Start Here
Tell Us About The Site.
Send us the scheme and the numbers, or simply pick up the phone. We will tell you whether it stacks, what we would structure, and what is realistically achievable.