An all-in-one loan (land + building) is a single senior facility that covers both the land acquisition and construction phases of a development project. It simplifies the funding structure by avoiding separate loans or bridge-to-dev arrangements. Typical in UK property development finance for ground-up builds or major refurbishments, these loans often offer staged drawdowns aligned to build milestones and may include interest roll-up or part-service options. Eligibility usually depends on planning status, project viability, and developer experience, with lender appetite often stronger for residential-led schemes.
Within the broader Development Loan category, an all-in-one structure streamlines execution by combining acquisition and build funding under a single facility, reducing refinancing risk and transactional friction. Compared to a Speculative Build Loan, it is often better suited to projects where land purchase and construction are closely sequenced, allowing lenders to underwrite the full lifecycle from the outset. The facility is typically secured and governed through a comprehensive Security Document, with staged monitoring against agreed milestones. From a performance perspective, lenders and developers closely track leverage and exposure using metrics such as Drawdown to GDV Ratio, ensuring alignment between funding release and value creation.
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