Heritable Development Finance

What Heritable Development Finance does

Heritable Development Finance Limited is a UK specialist development finance lender, founded in 2013 as a joint venture between OneSavings Bank and Heritable Capital Limited and now operating as a wholly-owned subsidiary of OSB Group plc, a publicly listed company on the London Stock Exchange. The company provides senior debt facilities for small and medium-sized property developers and housebuilders undertaking residential, mixed-use, and commercial development projects in England and Wales, with individual loan facilities typically ranging from £1m to £15m and group exposure capped at £35m. Its three core product lines are residential development finance (new build, conversions, refurbishments, including revolving debt facilities for phased house-building schemes), planning gain finance (typically 60% of land purchase price for site assembly ahead of change of use), and commercial development loans (up to 70% of Gross Development Value, typically 90%+ of costs, requiring pre-lets or pre-sales).

The business model is relationship-based and bespoke: each borrower is allocated a director and senior executive who oversee the loan from origination through drawdown and repayment, supported by management's personal capital commitment alongside bank financing. Revenue is generated through interest spreads, arrangement fees, and other transaction-based charges on completed loan facilities. The go-to-market relies on direct outreach, industry reputation, and referrals rather than digital channels, with contact via phone (020 7042 5070) and email ([email protected]). The company operates from London (90 Whitfield Street) and its registered office in Chatham, Kent, is accredited as a UK Living Wage employer, and is positioned as a niche, high-touch alternative to mainstream banks for developers who require flexible structures and fast board-level decisions. No proprietary technology platform or AI/ML capabilities are disclosed, and the firm's competitive advantage rests on human expertise, balance-sheet backing from OSB Group, and continuity of relationship rather than automation or scale.

Name

Heritable Development Finance

Legal name

Heritable Development Finance Limited

Website

https://heritable.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Heritable Development Finance is a UK specialist development finance lender serving small and medium-sized property developers and housebuilders in England and Wales with bespoke loan facilities of £1m–£15m, operating as a wholly-owned subsidiary of OSB Group plc.

Ownership category

akta.pro rank

Product category

Development Finance

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI)

akta.pro secondary industries

Spec/Tract Builder Construction Financing (FSALAHAC), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Development finance lending
• Property development loans
• Residential development finance
• Commercial development loans
• Planning gain finance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Development Finance Lending: Heritable Development Finance generates revenue through interest and fees on development finance loans. The company provides senior debt facilities for residential, mixed-use, and commercial developments, including new build, conversions, refurbishments, and planning gain financing. Revenue is generated from loan origination fees, interest spread, and arrangement fees on completed developments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Heritable Development Finance is a specialist UK lender providing senior debt facilities for residential, mixed-use, and commercial property developments in England and Wales. Its offerings include residential development finance for new builds, conversions, and refurbishments (loans £1m–£15m, group exposure up to £35m); planning gain finance for site assembly ahead of change of use (typically 60% of purchase price); and commercial development loans (up to 70% of GDV). The firm provides revolving debt facilities for phased housing schemes and operates as a wholly-owned subsidiary of OSB Group plc.

Product overview

Heritable Development Finance is a development finance lender providing three core products: Residential Development Finance for new builds, conversions and refurbishments; Planning Gain Finance for site purchase and assembly ahead of change of use; and Commercial Development Loans for speculative and pre-let commercial projects. The company operates as a specialist lender for small and medium-sized developers and house builders, with typical loan facilities ranging from £1m to £15m and group exposure up to £35m. The firm was formed in 2013 as a joint venture between OneSavings Bank and Heritable Capital Limited, now part of OSB Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Development Finance

Quantifiable outcome

• Loans typically range from £1m to £15m with group exposure up to £35m
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Octane Capital: UK specialist lender providing development, bridging, and refurbishment finance to property professionals. Closely comparable to Heritable in product mix, ticket size, and target customer segment.
• LendInvest: UK specialist property finance platform offering development, bridging, and buy-to-let loans. Competes directly with Heritable in the SME residential development finance segment, with broader product range and a more technology-enabled origination model.
• Maslow Capital: UK specialist development finance lender focused on residential and mixed-use schemes for SME developers, operating with similar bespoke structures and a comparable borrower profile to Heritable.
• Amicus Property Finance: UK specialist development finance lender focused on small-to-medium residential and mixed-use developers. Directly comparable to Heritable in target market, deal size, and bespoke structuring approach.
• Together Money (Together Financial Services): UK specialist lender offering residential and commercial mortgages, secured loans, and development finance. Overlaps directly with Heritable in property development lending to SME borrowers.
• Cumberland Place Finance: UK specialist development finance provider focused on residential, mixed-use, and commercial schemes for SME developers. Directly competes with Heritable in the same niche and ticket-size band.

Broad incumbents

• Shawbrook Bank: UK specialist challenger bank offering development finance, bridging, and commercial mortgages. A larger, broader incumbent that competes with Heritable in SME property development lending.
• Paragon Bank: UK specialist bank with a sizable buy-to-let and development finance franchise. Broader and more diversified than Heritable but overlaps meaningfully in property development lending to professional landlords and SME developers.
• Aldermore Bank: UK specialist bank providing development finance, asset finance, and commercial mortgages. Larger and more diversified than Heritable, with overlapping SME development lending activity.

Emerging players

• Kuflink Bridging Finance: UK peer-to-peer and specialist bridging/development lender serving SME property professionals. Smaller and more emerging than Heritable, with partial overlap in the SME development finance segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/heritable-development-finance-limited

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heritable Development Finance