Access to a National Panel of Lenders
We work with both bank and non-bank development lenders across Australia, allowing us to match your project with lenders that actively fund your type of development.
Free Mortgage Assessment. Contact Today!!!
Free Mortgage Assessment. Contact Today!!!
With capitalisation switched on, interest accrues against the facility at each stage instead of falling due monthly, there's nothing to service until completion or sale.
Development finance is a short-term lending facility designed specifically for property development projects. Unlike a standard construction loan, which is generally intended for a single owner-occupier home, development finance is structured around the entire project lifecycle. Funding from the financing can cover land acquisition, construction costs, professional consultant fees, council and statutory costs, contingency allowances, and interest, as well as holding costs where capitalised.
Built for developers who need funding to move at the pace of the build, not the bank.
Development finance is won or lost on rate, runway and cash flow. Here are the terms we structure the facility around:
Pricing is assessed on your project’s strengths, including land value, feasibility, builder experience, presales and exit strategy, rather than a standard rate card.
Facilities can be structured to accommodate planning approvals, construction, settlement delays and your intended exit without unnecessary time pressure.
Rather than making monthly interest repayments, interest can be added to the loan balance and repaid when the project is completed. This helps preserve working capital for construction costs, variations and contingencies.
We review the feasibility & supporting information supplied by you & your professional advisers to prepare a preliminary funding assessment.
Your project is matched with lenders whose policies suit your development type, location, funding requirements and risk profile.
Once indicative terms are accepted, we assist with the formal approval, valuations, loan documentation and facility structure, including interest capitalisation where applicable.
Funds are released at each construction stage following QS certification, from slab through to completion.
At practical completion, the facility is repaid through property sales, refinanced into long-term debt or another agreed exit strategy.
Development feasibility and cost report.
Development approval (DA) or a clear approval timeline.
Executed building contract with a licensed builder.
Exit strategy, including presales, lease commitments, or refinance plans.
Equity contribution through land value and/or cash.
Previous development experience, where applicable.
Development finance is relationship lending, the right introduction to the right lender matters as much as the numbers.
We work with both bank and non-bank development lenders across Australia, allowing us to match your project with lenders that actively fund your type of development.
Before approaching lenders, we review your feasibility, construction costs, project timeline and exit strategy to ensure the application is well-positioned.
Rather than simply comparing interest rates, we negotiate the overall facility, including pricing, loan term, leverage and interest capitalisation to suit your project’s cash flow.
We coordinate lender communication, progress drawdowns and required documentation throughout construction, so you can stay focused on delivering the project.
The broker who structures your finance remains your point of contact from initial assessment through settlement, drawdowns and final repayment.
Rated 4.9 stars from more than 112 Google reviews across property purchase, refinance and development lending.
A standard construction loan is generally designed for building a single residential home. Development finance is intended for multi-dwelling and commercial projects, with funding structured around the total development cost and a defined exit strategy, such as sale or refinance.
Interest is added to the loan balance during construction instead of being paid monthly. The total balance is repaid when the development is sold or refinanced, helping preserve cash flow throughout the build.
Borrowing capacity depends on the lender’s assessment of your project. Facilities are commonly based on a percentage of the total development cost (TDC) or the gross realisation value (GRV), taking into account factors such as equity contribution, presales, builder experience and project feasibility.
Not always. Some lenders will fund projects without presales where the exit strategy involves refinancing or retaining completed properties. For larger developments, presales often improve borrowing capacity and lender appetite.
With a complete application, indicative terms can often be issued within a few business days. Formal approval depends on valuation, due diligence and lender assessment. Having your feasibility report, DA, building contract and exit strategy prepared upfront typically results in a faster approval process.
A no-obligation feasibility consultation takes around 20 minutes. Please provide your project costs, DA status, building contract information & proposed exit strategy so we can conduct a preliminary assessment of relevant lender requirements.