From the first enquiry to the final brick: How Together supports developers at every stage of the journey.

Property development plays a vital role in shaping and regenerating our communities. Whilst unlocking the value in underused sites and delivering much-needed homes, commercial space and long-term economic value across the UK, it also provides the opportunity to turn ambitions and plans into tangible assets and returns.

For commercial developers and SME housebuilders, the rewards can be attractive. Typical site-level returns of around 15 to 20 percent of Gross Development Value continue to underpin strong appetite for well-located housing, modern industrial units and high-quality office space. But while ambition and opportunity may be clear, the journey from first enquiry to final brick rarely runs exactly to plan.

Planning delays, skilled labour shortages, supply chain disruption and rising build costs all have the potential to derail even the most carefully considered scheme. So, when timelines slip or forecasts shift, the difference between success and stagnation often comes down to more than just access to funding.

It comes down to support.

More than finance: a partnership throughout the build

At Together, we believe development finance is about far more than providing capital at the outset. Every build evolves, and our role is to work alongside developers throughout the life cycle of a scheme, offering rigorous due diligence at the start and practical, relationship-led support as the project progresses.

By staying close to our customers, we can anticipate challenges, respond quickly when plans change, and help keep projects moving forward if anything unexpected happens. It’s an approach that has supported experienced developers across a wide range of asset classes and scenarios.

Supporting a Scottish apartment scheme through extended delivery

Together worked with an experienced developer to fund the construction of twelve two-bedroom apartments in Scotland.

The original facility provided a maximum of £1.75 million, with £900,000 funding the site purchase. The loan was structured on a 16 month term, with a 12 month build period and forecast costs of £849,000.

However, delays meant that practical completion took significantly longer than anticipated, extending the overall loan term. Thanks to the strong relationship established from day one, and confidence in the developer’s experience and the strength of the asset, Together was able to work with the client to understand and resolve their challenges and this ongoing support helped keep the project on track.

Michael Slattery, Development Funding Relationship Manager at Together, said:
“Staying close to clients throughout their development journey is key. By working side by side, we were able to adapt our support as delays emerged and build a strong ongoing relationship for future projects.”

Overcoming complexity and delays in Altrincham

A new housing development, mixing residential and commercial elements, in Altrincham demonstrates how long-term support can make a critical difference on more complex schemes.

Having originally assembled the land more than 20 years earlier, the client purchased the site using a £2.5 million bridging loan from Together, completing the transaction in under two weeks. The part-constructed site required significant funding to reach completion, which was provided through a £10.3 million development finance facility.

From the outset, the project faced cost overruns and delays, resulting in multiple extensions beyond the original loan term. Despite these challenges, Together maintained close contact with the client, supporting the scheme through to final redemption in April 2026.

Ian Pickering, Director of Development Funding said:
“Our work with clients never ends at the point funding is agreed. By staying in constant contact, we can stay ahead of issues as they arise. The Altrincham project was complex from the beginning, but trust in the client’s vision and close collaboration led to the successful delivery of an outstanding development.”

Sale setbacks see developer needing extra support in Windsor

Not every challenge comes from scale or complexity. Sometimes it is the apparently straightforward schemes that test resilience the most.

A large four-bedroom home of more than 5,000 square feet in Windsor faced delays due to adverse weather conditions and buyer-led design changes. The property went under offer three times, with two buyers withdrawing before completion. Due to the extended sales period, the customer went over the agreed term length.

Throughout the build and marketing process, Together maintained open dialogue with the customer, supporting them through a difficult period until the loan was successfully redeemed.

Daren Symonds, Relationship Manager commented:
“Even the most straightforward projects can throw up unexpected obstacles. Staying close to clients from initial finance through to the exit strategy allows challenges to be addressed and original ambitions to be realised.”

Supporting industrial development amid rising build costs

Together also supported the delivery of two large industrial units, totalling 375,000 sq ft, through a £22 million development facility over a 15 month period.

As construction progressed, rising materials costs, particularly for concrete and steel, meant additional funding was required. Building on the strong relationship already in place, Together agreed a further £3 million to support completion.

With strong demand demonstrated through pre-lets and pre-sales, Together worked with the client to structure partial redemptions that freed up capital and enabled successful repayment following the sale of the second unit.

Ian Pickering, Director of Development Funding, added:
“Arranging the initial funding is only one part of our role. Development projects are often multi-phased with financial needs and challenges at each step so developers need lending partners who are flexible, always available to help and can ensure that capital is there exactly when needed.

“We’ve helped thousands of clients with their projects, including staged drawdowns and additional facilities where necessary, to turn architect plans into profitable assets.”

A relationship-led approach when it matters most

At Together, we understand that no two development journeys are the same. Plans evolve, challenges emerge and success often depends on how quickly and collaboratively those challenges are addressed.

Developers value working with real people who understand the pressures of the sector and the realities on site. By combining detailed due diligence at the outset with active, ongoing engagement throughout the build, we aim to be a long-term partner for developers.

It is why so many of our customers choose to return, not just for flexible funding solutions, but for the confidence that comes from knowing they have support from finance through to the final brick.

Have you got a development project that needs funding to get off the ground? Speak to our expert Development Team to find out how we can turn your plans into a reality.

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