This website is for use by intermediaries only

Contact Us

Lines are open Monday to Friday 9AM - 5PM, except Wednesday 9:30AM - 5PM

If you want to talk to us, please use one of the numbers below:

For new business enquires:

Gemma Reynolds: 01799 582925

L&G, L&G Mortgage Club and all affiliated firms, PMS, Sesame, TMA Mortgage Club


Holly Andrews: 01799 582885

3MC, 3MC Club, Brightstar, Brightstar Club, Complete FS, Impact Specialist Finance, Mortgage Intelligence, Next Intelligence, Platinum Options, Positive Lending (UK) Ltd, Positive Lending Club, Quilter, SimplyBiz, TBMC, Tenet, Vantage Finance


For cases in progress call:

Mortgage Team: 01799 582966


For technical support call:

01799 582966 option 2
Head Office

Saffron House, 1A Market Street,
Saffron Walden,
Essex CB10 1HX.
Telephone: 01799 522211

Intermediary Mortgage Portal

The Mortgage Portal enables you to select a Saffron mortgage product, request a DIP, submit a full mortgage application and monitor all your clients' cases.

Login to the Intermediary Mortgage Portal:


Register for the Intermediary Mortgage Portal:


Frequently Asked Questions

For any queries take a look at our FAQs or our Quick Start Guide.

If you still require further help you can contact us on 01799 582966 and select option 2.

Smaller Property Development Loans

Who’s it for?

Our smaller development finance loan is designed specifically for experienced individuals and housebuilders looking to build or renovate a property to sell on the open market.

How we can help your client

We provide residential property loans designed specifically for experienced individuals and housebuilders working on small development projects, throughout England and Wales.

We are dedicated to the project; providing ongoing advice, guidance and support throughout the complete development process. We offer assistance wherever possible to enable your client to overcome potential issues, such as unavoidable cost and time overruns.

For us, it’s not just about finance. It’s about lending all of our years of experience to help your client achieve a successful outcome.

When to apply

Small Development Funding is difficult to secure without full planning consent. It is essential that your client finalises planning consents and has all relevant documentation available before seeking finance.

Types of properties we’ll lend on

  • Residential only
  • New build flats and houses
  • Conversions (including barns), renovations & extensions to existing properties
  • Part completed sites will be considered

Important product information

Please note, the fees provided below are estimates, costs can vary depending on the size and nature of the project

  • Funding between £150,000 and £500,000
  • We will lend up to a maximum of 75% of build costs or 65% of Gross Development Value (GDV), whichever is lower
  • The maximum we will release on day one is 65% of the purchase price
  • Interest rates typically start from 1% per month and are added to the loan so there are no monthly payments
  • Term of the loan is typically 12 – 18 months
  • Arrangement fee 2%
  • Exit fees 1%
  • Fixed legal costs typically £1,200 for a single titled property
  • External Quantity Surveyor (QS) fees do not apply – our internal QS monitors all sites so there are no external monitoring fees
  • Internal monitoring costs will be charged for each visit. These will be approximately £100 per visit plus any reasonable costs incurred by the Society as a result of travel

How to get more information and apply

We will take time to understand your client’s project thoroughly so we can advise on their options. If you’d like to discuss further, please contact us on 01799 582886 or email

You can also learn more about how we help developers with our full range of Development Finance support. We provide residential property development loans to experienced individuals and housebuilders with knowledge of the market. We’ll consider projects throughout England and Wales, but are particularly interested in sites in London, the South East and East Anglia.

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014