This calculator is for illustration only and does not constitute a loan offer, illustration or commitment to lend. Total project cost, GDV, LTC and LTGDV caps are simplified assumptions – typical UK development lenders in 2026 advance up to 85–90% of total cost and up to 65–70% of GDV (often less for first-time developers), whichever is lower, with interest of roughly 6.5–12% p.a. typically rolled up and repaid on sale or refinance. Actual terms depend on developer experience, location, planning status, pre-sales/lettings, and lender appetite. Most development finance is unregulated commercial lending secured by a legal charge over the site; it is not covered by FCA mortgage regulation in the way residential lending is. Giles Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 726857) for its regulated activities.