Development Finance


Development Finance

United Trust Bank has successfully operated in the development finance market for several decades. Whilst other lenders have come and gone, United Trust Bank has been a reassuring constant for brokers and developers whatever the financial climate. Our highly experienced team will consider proposals for residential, commercial and mixed use developments from private and corporate developers.

Our understanding of the sector, gained over many years of lending through a variety of market conditions, enables us to fully appreciate the needs of brokers and developers. With each proposal we tailor make a finance package ideally suited to the circumstances of the borrower and the project and because we know that builds don’t always go exactly to plan, we have the flexibility to adapt to changes quickly and professionally.

We like to work with experienced developers who can demonstrate a well thought through project and a strong demand for the final product. A professional approach to project management and a good knowledge of their locality and market segment are other attributes we look for when considering a proposal.

Development is an exacting business requiring attention to detail at every step. We know the development process inside and out and most days you will find one of the team conducting an on-site meeting with a client. It’s this hands-on approach and diligence which enables us to add value to the projects we finance.

“When you arrange development finance with United Trust Bank you get more than just a lender. You get the benefit of dealing with property professionals each with over 20 years of industry experience. You have the reassurance of knowing that if things don’t always go to plan our flexibility allows us to adapt and move on. And with our solid funding base and quick stage draw down processing you can be sure that the money will always be there when you need it. That’s why brokers and developers come back to United Trust Bank time after time.”

Noel Meredith, Director and Head of Development Finance, United Trust Bank

development utb 


  • Residential Development Finance
  • Commercial Development Finance subject to a suitable pre-let
  • Planning Gain Finance


See our full product matrix here »

Meet the Team

  • Jonathan Nail
    Business Development Manager


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  • Paul Keay
    Senior Business Development Manager


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In the press

  • United Trust Bank stands tall for businesses

    July 18, 2014

    United Trust Bank has reviewed the fixed rates on its business accounts to startling effect.

  • UTB launches refurbishment bridging product

    June 27, 2014

    Today, United Trust Bank has launched its new short term refurbishment product aimed at experienced property professionals… The product offers loans up to a maximum of 65 per cent of day one value on a fixed monthly rate of 0.95 per cent. Crucially, borrowers will also be able to draw down 100 per cent of refurbishment costs.

  • Availability of finance to be key development issue

    April 4, 2014

    The availability of finance will be a key issue for residential development this year, nearly half (46%) of brokers responding to a survey carried out by United Trust Bank have said…