The Hidden Cost of Property Finance in 2026

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The Hidden Cost of Property Finance in 2026

What Every Developer Needs to Know - A LandFund and Brickflow Partnership

Development finance in 2026 looks competitive on paper. Rates are advertised from 7%, DIPs come back in minutes, and lenders appear to be fighting for your business. But scratch the surface and the reality looks rather different.

This white paper, produced in partnership with Brickflow, uses real Q1 2026 data from over £18bn of finance searches to show SME developers what's actually happening in the market - from the gap between headline rates and the deals that actually close, to the hidden cost of planning delays and what conservative valuations are doing to leverage.

If you're appraising sites, talking to lenders, or managing investor expectations, this is worth 15 minutes of your time.

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