Manchester Development Finance Broker
We are Greater Manchester's specialist development finance broker — combining deep local market knowledge with institutional-grade expertise to secure the best funding for property developers across all ten GM local authority areas.
Meet Matt — Director & Founder
Manchester Development Finance is led by Matt, a specialist development broker Manchester developers trust for complex funding challenges. With over 20 years of experience in property lending and structured finance, Matt's career began in the corporate banking division at HBOS, where he spent several years managing a portfolio of property development and commercial real estate lending relationships across the North West. That institutional grounding gave him a deep understanding of how lenders assess risk, structure facilities, and make credit decisions — knowledge that now gives his clients a significant advantage when approaching the market.
Since leaving corporate banking, Matt has built a career as one of the most respected manchester development finance broker professionals in the Greater Manchester market. Over two decades, he has arranged more than £300M in property development funding across hundreds of transactions, ranging from £500K conversion schemes in Stockport to £20M institutional-grade BTR developments in Salford Quays. His track record spans the full spectrum of development types — new-build residential, commercial-to-residential conversions, purpose-built student accommodation, permitted development schemes, mixed-use developments, and large-scale regeneration projects.
Matt's HBOS background is not just a line on a CV — it fundamentally shapes how he approaches every deal. He understands the credit committee mindset because he has sat on the other side of the table. He knows what lenders look for in a development appraisal, how to present a scheme in the most bankable way, and how to pre-empt the questions that can delay or derail a funding application. This institutional perspective, combined with his genuine passion for the Manchester property market, is what sets him apart from the generalist brokers who dominate the national intermediary landscape.
As Director of Construction Capital — the parent company behind Manchester Development Finance and our network of regional specialist microsites — Matt oversees a team dedicated to delivering expert development finance advice to property developers across the UK's major regional markets. But Manchester is where it all started, and it remains the market he knows most intimately. Whether you are a first-time developer converting a single property or an experienced operator delivering a 100-unit scheme, Matt's expertise and relationships can make the difference between a good deal and the best possible deal.
20+
Years in Property Finance
£300M+
Development Finance Arranged
500+
Deals Completed
50+
Lenders on Panel
Unrivalled Manchester Market Expertise
What truly distinguishes our manchester development finance broker service from national brokers is our granular understanding of the Greater Manchester property market. We do not treat Manchester as a single postcode on a spreadsheet. We know the nuances that matter — the planning policies of each of the ten GM local authorities, the regeneration priorities that drive land value growth, the micro-markets where lender appetite is strongest, and the local dynamics that influence achievable GDVs and build costs.
Our coverage spans the full breadth of Greater Manchester. In NOMA, we understand the Co-op Group's masterplan and how the £800M investment pipeline is reshaping Manchester's northern quarter. In Ancoats, we track the evolution from industrial heartland to the city's most desirable residential neighbourhood, with its distinctive warehouse conversions and new-build apartment schemes. At Salford Quays, we know the MediaCityUK effect and the waterfront living demand that continues to drive residential development activity across Salford's premier destination.
We monitor the Places for Everyone joint development plan — the spatial framework that will govern development across nine of the ten Greater Manchester local authorities for decades to come. We understand the GM Combined Authority's strategic priorities, the Bee Network's impact on land values and connectivity, and how Andy Burnham's mayoral development agenda is creating new opportunities across the city-region. This strategic awareness means we can advise developers not just on where to find funding, but on where the smartest development opportunities lie.
The Manchester lender landscape is one of the most competitive in the UK. Regional challenger banks, specialist development lenders, Northern Powerhouse-focused funds, and national institutions all maintain active lending programmes across Greater Manchester. Together Money, Assetz Capital, local building societies, and numerous specialist property funds each have their own appetite, criteria, and sweet spots. Our relationships across this lending panel have been built over 20 years and hundreds of transactions. We know which lenders will back which scheme types, in which locations, at which leverage points — and we use that knowledge to match every developer with the optimal funding solution.
The Construction Capital Story
Manchester Development Finance is the flagship site within the Construction Capital network — a family of regional development finance microsites, each dedicated to serving property developers in the UK's major development markets. The network was born from a simple insight: property development is a fundamentally local business, and developers deserve a specialist development broker Manchester-focused, who understands their specific market as well as they do.
National brokers treat every city the same. They apply generic criteria, use standardised processes, and lack the local knowledge that makes the difference between securing adequate funding and securing the best possible terms. Construction Capital takes the opposite approach. Each site in our network is staffed by specialists who live and work in their market, who know the local planning landscape, who have relationships with regional lenders, and who understand the development dynamics that shape opportunity in their city.
The Construction Capital network currently includes specialist development finance sites covering London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Cardiff, and Nottingham. We also operate dedicated bridging finance sites for markets where bridging demand is particularly strong. This network creates powerful advantages for our clients. Developers working across multiple cities can access consistent expertise in every market. Lenders know that our recommendations come with genuine local due diligence. And our collective deal flow gives us negotiating leverage that a standalone broker simply cannot match.
For Manchester developers, the network means you get the best of both worlds: a manchester development finance broker with the intimate local knowledge of a specialist Manchester firm, backed by the resources, lender relationships, and deal flow of a national network. Whether your scheme is a 6-unit conversion in Rochdale or a 200-unit BTR development in the city centre, the Construction Capital network ensures you have access to the widest possible range of funding options. Explore our full range of services to see how we can support your next Manchester development project.
Professional Credentials & Trust Signals
We believe that trust is earned through transparency, professionalism, and results. Manchester Development Finance operates to the highest standards of professional conduct, and we are committed to giving every client — from first-time developers to institutional operators — the same level of dedication, expertise, and honest advice.
Regulated Intermediary
We operate as a regulated financial intermediary, ensuring all advice and recommendations meet the highest industry standards. Our processes are designed to protect our clients' interests at every stage of the funding journey.
Institutional Background
Matt's HBOS corporate banking background provides an institutional perspective that most intermediary brokers lack. Understanding the lender's mindset enables us to present schemes in the most bankable format, accelerating approvals and securing better terms.
Proven Track Record
Over 500 completed transactions and £300M+ in arranged facilities speak for themselves. Our case studies provide real examples of deals we have structured across Greater Manchester, demonstrating our ability to solve complex funding challenges.
Client-First Approach
We are not a volume broker. We work closely with a manageable number of clients at any one time, ensuring every developer receives personal attention from Matt and the senior team — not a junior processor in a call centre.
Rated 4.9/5 by Developers
Our clients consistently rate us among the top development finance brokers in the North West. We are proud that the majority of our business comes from repeat clients and referrals — the strongest endorsement any broker can receive.
Whole-of-Market Access
Our panel of 50+ specialist lenders includes high-street banks, challenger banks, specialist development lenders, private credit funds, and family offices. This breadth ensures we can find the right funding solution for every scheme type and developer profile.
How We Work With Manchester Developers
Every development project is unique, and our approach reflects that. When you come to Manchester Development Finance, you are not entering a one-size-fits-all process. Matt will personally review your scheme, assess your requirements, and develop a bespoke funding strategy tailored to your specific situation — your experience level, your equity position, your scheme type, and your target location within Greater Manchester.
We start by understanding your project in depth. What are you building? Where in Greater Manchester? What is your track record? How much equity can you contribute? What is your ideal timeline? These questions allow us to narrow down our panel of 50+ lenders to the three or four that represent the best fit for your specific deal. We then approach those lenders with a professionally packaged submission that presents your scheme in the strongest possible light — drawing on our understanding of what each lender looks for and how they assess risk.
Our step-by-step process is designed for speed and clarity. We issue indicative terms within 48 hours of receiving a complete enquiry. Full completion typically takes two to four weeks, depending on valuation turnaround and legal complexity. For straightforward schemes with experienced borrowers, we have completed funding in as little as ten working days. Throughout the process, you deal directly with Matt — not a junior intermediary who needs to escalate every question to a senior colleague.
We also go beyond the immediate funding requirement. We can advise on deal structuring, help you think through your exit strategy, introduce you to QS firms and monitoring surveyors who are active in the Manchester market, and connect you with solicitors experienced in development finance documentation. Our goal is not just to get your deal funded — it is to ensure the funding structure supports the long-term success of your project. Use our development finance calculator to model your project, or read our latest market insights to stay informed about trends shaping the Manchester development finance landscape.
Ready to Work With Manchester's Specialist Development Finance Broker?
Whether you're an experienced developer or funding your first scheme, Matt and the team are here to structure the optimal funding solution for your Greater Manchester project. Get indicative terms within 48 hours.