Over the past six months, United Trust Bank (UTB) has seen its existing customers take advantage of better sentiment from house buyers, mainly in the south. Its customers have also been selling stock that in some cases has been completed for more than 12 months. Presentation and realism over asking prices appear to be the key, according to UTB. <br> <br> Also, with existing customers repaying loans, UTB says it has the capacity to carry on lending and has experienced a strong flow of proposals coming from experienced developers. <br> <br> Developers with projects ranging from £500,000 to £5 million GDV have found that the funding market is largely restricted to a few specialist banks, like UTB and some non- bank lenders. UTB comments that developers are also finding that they need to invest larger amounts of their own money in order to get bank funding. <br> <br> And in the current market, debt funding of about 55% has become the norm.<br> <br> www.utbank.co.uk or enter E0184 on the reader enquiry card