Terms of Service

1. Acceptance of Terms

By accessing and using the London Development Finance website (londondevelopmentfinance.co.uk) and by engaging our development finance brokerage services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you should not use this website or engage our services. These Terms constitute a legally binding agreement between you (“the User”, “you”, “your”) and Construction Capital Limited, trading as London Development Finance (“we”, “us”, “our”).

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the website or our services following the posting of changes constitutes your acceptance of such changes. We encourage you to review these Terms periodically.

2. Description of Services

London Development Finance operates as a specialist development finance brokerage. Our services include, but are not limited to, the following:

• Sourcing and arranging senior development finance, mezzanine finance, bridging loans, stretch senior facilities, and joint venture equity for property development projects across all 33 London boroughs.
• Providing indicative assessments of development finance requirements based on information provided by prospective borrowers.
• Introducing prospective borrowers to lending institutions, equity providers, and other funding sources from our panel of established relationships.
• Assisting with the preparation and submission of finance applications to prospective lenders on behalf of our clients.
• Providing market information, educational content, and analytical tools (including our development finance calculator) through our website.

Our role is that of an intermediary. We do not lend money directly, hold client funds, provide valuations, or offer legal advice. All lending decisions are made solely by the relevant lending institution in accordance with their own credit assessment processes and lending criteria.

3. No Financial Advice

The information provided on this website, including but not limited to articles, guides, market commentary, calculator outputs, and case studies, is provided for general informational purposes only. Nothing on this website constitutes, nor should it be construed as, financial advice, investment advice, tax advice, legal advice, or a recommendation or endorsement of any particular financial product, service, or course of action.

The development finance calculator and any indicative terms or figures presented on this website or communicated by our team are provided on an indicative basis only and do not constitute a formal offer of finance, a binding commitment, or a guarantee of availability. Actual loan terms, rates, fees, and availability are determined by the lending institution and are subject to their full underwriting process, valuation, and due diligence.

You should not rely solely on the information provided on this website or by our team when making financial decisions. We strongly recommend that you seek independent professional advice from qualified advisers, including solicitors, accountants, and tax advisers, before entering into any development finance arrangement.

4. Client Obligations

When using our services, you agree to provide accurate, complete, and up-to-date information about yourself, your company, and your development project. You acknowledge that our ability to source appropriate finance depends on the accuracy of the information you provide, and that inaccurate or misleading information may result in unsuitable terms being offered, delays in the funding process, or the withdrawal of any offer of finance by a lender.

You are responsible for ensuring that you have the legal authority to enter into any finance arrangements on behalf of yourself or your company, and that all necessary corporate authorisations and consents have been obtained. You agree to respond promptly to requests for additional information or documentation from our team or from any lending institution to which we submit an application on your behalf.

5. Fees and Charges

Our brokerage fee structure will be agreed with you in writing before we commence work on your behalf. Our standard fee is a percentage of the loan amount arranged, payable upon successful completion of the funding. The exact fee percentage will be set out in our engagement letter, which must be signed before we proceed with sourcing finance.

In addition to our brokerage fee, you may be liable for third-party costs associated with the finance process, including but not limited to lender arrangement fees, legal fees, valuation fees, monitoring surveyor fees, and any other disbursements required by the lending institution. These third-party costs are not controlled by us and are payable directly to the relevant provider.

There is no charge for initial enquiries, indicative assessments, or the use of the tools and content on our website. Our brokerage fee is only payable in the event that a facility is successfully arranged and completed through our introduction.

6. Limitation of Liability

To the fullest extent permitted by law, Construction Capital Limited, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website, our services, or any development finance arrangement introduced through us.

Without limiting the foregoing, we shall not be liable for any losses arising from:

• Any lender’s decision to decline, withdraw, or vary the terms of a finance application, regardless of the stage at which such decision is made.
• Any delay in the processing, approval, or drawdown of a finance facility by a lending institution.
• Any variation between indicative terms communicated by us or displayed on our website and the final terms offered by a lender following full underwriting and due diligence.
• Any errors or inaccuracies in the output of our development finance calculator or any other tools provided on this website.
• Any losses arising from your reliance on the information, content, or opinions published on this website or communicated by our team.
• Any losses resulting from the conduct, performance, or default of any third party, including lending institutions, solicitors, valuers, or contractors.

Our total aggregate liability to you for any claims arising out of or in connection with these Terms or our services shall not exceed the total fees paid by you to us in respect of the relevant transaction.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, icons, software, and the arrangement thereof, is the property of Construction Capital Limited or its content suppliers and is protected by United Kingdom and international copyright laws. The compilation of all content on this website is the exclusive property of Construction Capital Limited.

The London Development Finance name, logo, and all related product and service names, design marks, and slogans are trademarks or service marks of Construction Capital Limited. You are not permitted to use any of these marks without our prior written consent.

You may view, download, and print pages from this website for your own personal, non-commercial use, provided that you do not modify the content and you retain all copyright and proprietary notices. Any other use, including the reproduction, modification, distribution, transmission, republication, or display of the content of this website, without our prior written permission, is strictly prohibited.

8. Website Use and Availability

We make reasonable efforts to ensure that this website is available and functioning correctly at all times. However, we do not guarantee uninterrupted access to the website and shall not be liable for any downtime, errors, or interruptions in service, whether due to scheduled maintenance, technical issues, or circumstances beyond our reasonable control.

You agree not to use this website for any unlawful purpose, to attempt to gain unauthorised access to any part of the website or its systems, to introduce any viruses or malicious code, or to engage in any activity that could disrupt or interfere with the proper functioning of the website.

9. Third-Party Links

This website may contain links to third-party websites that are not owned or controlled by Construction Capital Limited. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. The inclusion of any link does not imply our endorsement of the linked website or any association with its operators. You access third-party websites entirely at your own risk.

10. Privacy

Your use of this website and our services is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal data. By using this website and engaging our services, you acknowledge that you have read and understood our Privacy Policy. You can read our full Privacy Policy at londondevelopmentfinance.co.uk/privacy.

11. Confidentiality

We treat all client information with the utmost confidentiality. Information about your project, financial position, and personal details will only be shared with prospective lenders and relevant professional parties with your knowledge and in the course of providing our brokerage services. We will not disclose your confidential information to unrelated third parties without your consent, except where required by law or regulation.

Case studies published on our website are presented with the consent of the relevant parties or are sufficiently anonymised to prevent identification of the individuals or companies involved.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be severed from these Terms and the remaining provisions shall continue in full force and effect.

13. Contact Information

If you have any questions about these Terms of Service, please contact us: