Property Finance
Development & construction finance.
Funding for residential, commercial and industrial development — from site acquisition through progress draws to completion and sell-down.
Overview
How it works.
Development and construction finance funds a project across its whole life: securing the site, paying for the build through progressive drawdowns, and holding through to settlement of the completed stock. It's one of the more involved products in commercial finance, because the lender is funding something that doesn't exist yet. Lenders look hard at the feasibility, the builder, the fixed-price contract, the presales position and the developer's track record. Get any one of those wrong and the deal stalls. The loan is sized to the project — total development cost, loan-to-cost, the drawdown schedule and any presale or residual stock requirements — and matched to the lenders that fund that project type and that scale. Smaller residential projects, larger commercial builds and land-bank-then-construct deals each suit different lenders, including non-banks when the timing or the presales position rules a bank out. We manage the quantity surveyor, the progress claims and the lender relationship through to completion.
Key Details
- Loan size
- $1M – $100M+
- Loan term
- 12 – 36 months
- Funding basis
- Up to 75% of total development cost
- Drawdown
- Progressive, against QS-certified claims
- Presales
- Project-dependent
Use Cases
When this product fits.
01 / 03
Residential development
A small-to-mid residential project — townhouses, a unit block or a subdivision — needing site finance plus a construction facility.
02 / 03
Commercial or industrial build
Ground-up commercial, retail or industrial development where the end use and tenant profile shape the funding structure.
03 / 03
Land bank then construct
A developer holding a site through planning and approvals, then rolling into a construction facility once the project is shovel-ready.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
It varies widely. Bank lenders generally want meaningful presale cover before they fund construction; several non-bank lenders will fund with little or no presales at a different price. The right answer depends on the project, the location and how fast you want to move.
Usually as a site or land facility followed by a construction facility, sized against total development cost rather than end value. Funds are drawn progressively as the build hits certified milestones, with a quantity surveyor verifying each claim.
Yes. We can structure site acquisition and construction together, or arrange land finance now and roll into a construction facility once the project is approved and ready to start.
A bank decline is often about presales, the builder or the timing rather than the project itself. Our panel includes non-bank and private lenders that fund development on different criteria. We will tell you honestly whether the deal is fundable and where.
Both matter. Lenders weigh the feasibility and the security, but a developer who has delivered comparable projects before will see more options and better terms. A first project is still fundable — it is just placed more carefully.
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Ready?
Let's structure your development & construction finance.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.