Funding Built for Residential, Commercial & Mixed-Use Projects
Secure the right property development finance from acquisition to completion. Our expert finance brokers assess feasibility, structure debt for land, construction, or renovation, and compare specialist lenders so cashflow, milestones, and risk stay under control. We support duplexes, townhouse sites, apartments, commercial fit-outs, and mixed-use projects with clear advice and timely approvals.
Funding Built for Residential, Commercial & Mixed-Use Projects
Secure the right property development finance from acquisition to completion. Our expert finance brokers assess feasibility, structure debt for land, construction, or renovation, and compare specialist lenders so cashflow, milestones, and risk stay under control. We support duplexes, townhouse sites, apartments, commercial fit-outs, and mixed-use projects with clear advice and timely approvals.
Why Use a Broker?
Expert advice
Development funding is policy-heavy. We align LVR, LTC/LTD, presales, and contingency with lender criteria so facilities match your feasibility, not the other way around.
Quick turnaround
We prepare a strong credit pack (IMS, QS, builder credentials, presales) to minimise back-and-forth and keep timelines tight from term sheet to settlement.
Broad lender access
We compare major banks, non-banks, and private lenders to balance price, leverage, and speed especially useful for tight timelines or non-standard sites.
Transparent fees
We outline lender fees, line fees, valuation/QS costs, and legals upfront no surprises. If any brokerage fee applies, you’ll know before we proceed.
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How We Secure the Right Facility
Step 1: Discovery & Feasibility Check
We review site details, DA status, GRV/TPV, build budget, contingency, timeline, and exit strategy; then map the funding gap.
Step 2: Structure & Shortlist
We compare senior debt, stretched senior, mezz/second mortgage, and residual stock options targeting the best mix of cost, leverage, and conditions.
Step 3: Credit & Approvals
We package financials, QS report, builder capability, presales evidence, and programme negotiating covenants, presale hurdles, and interest capitalisation.
Step 4: Settlement, Drawdowns & Monitoring
We coordinate settlement, progress claims, QS sign-offs, and milestone reporting to keep funds flowing and the programme on track through to practical completion.
Development Finance Products
Purchase sites pre- or post-DA with terms aligned to planning risk, timeline, and exit. We position leverage and covenants to protect programme certainty.
Release equity post-completion to refinance unsold stock, improve cashflow, and provide sales runway without fire-sale pressure.
Staged drawdowns against QS-certified progress claims. We structure contingency, interest capitalisation, and covenants around your build programme and presales.
Supplement senior debt where leverage is tight. We negotiate intercreditor terms to balance risk, cost, and control.
Funding for commercial refurbishments and heavy refurb projects, aligned to tenancy milestones and re-valuation points.
Time-sensitive capital for settlements, approvals, or pre-sales useful when programmes shift and certainty matters.
Freequently Asked Question
It varies by site, scale, and lender. As a guide, senior lenders often cap at 55-65% of GRV or 65-80% LTC (incl. interest/fees). Non-banks/private lenders may stretch leverage (at a higher price) or accept weaker presales. Expect to contribute equity for: land deposit/settlement, 5-10% contingency, soft costs not fully funded, and early reports/legals. We’ll model your feasibility to show the true equity gap and options to bridge it
Often especially for apartments/townhouses. Targets differ by lender and market: some want debt cover (e.g., presales ≥ the senior debt), others a percentage of NLA or stock. Non-banks can accept lower presales when leverage is lower or sponsor strength is higher. We’ll position your mix (owner-occupier vs investor, sunset dates, deposit size, assignment rules) to satisfy credit and avoid re-marketing mid-build
Yes common in construction facilities. We size an Interest During Construction (IDC) reserve against the programme and QS cashflow so monthly service isn’t required. Key is realism: if delays or variations occur, the reserve must still cover drawdowns. We also model line fees, unused limits, and timing of GST/BAS so cashflow isn’t squeezed at claim time.
Typically:
- Independent valuation (as-if complete and/or on-completion GRV)
- QS report (cost to complete, programme, progress claim process)
- Planning/DA & conditions, stamped drawings, building contract (lump sum preferred)
- Builder due-diligence (licences, capacity, track record, insurances)
- Environmental & geotech (as needed), services reports, pre-commencement approvals
- Presale schedule (contracts, deposits, cooling-off status)
We’ll give a tailored checklist and help brief the valuer/QS to match lender expectations.
With a solid pack, indicative terms can land in 2–5 business days. Formal approval generally follows valuation/QS:
- Banks: 3-6 weeks (more covenants, multiple committees)
- Non-banks/private: 1-3 weeks (fewer gates, higher price)
Critical path items are valuation/QS access, builder docs, and presale verification. We run these in parallel to compress timelines.
Banks: Sharper pricing, but tighter on LVR/LTC, presales, covenants (IFC tests, interest cover, cashflow sweeps). Longer approval, less flexibility mid-project.
Non-banks/private: Faster, more flexible on leverage/presales/structure, often interest capitalised with simpler covenants-but higher rates/fees.
We’ll model both, including total cost of funds, required equity, conditions precedent, and risks (e.g., step-in rights), so you can choose with eyes open.
Ready to Move Forward?
Let’s align funding with your feasibility and timeline. We’ll structure the facility, compare lenders, and manage approvals so you can build with confidence.
Lenders in our Panel
We have over 30 lenders in our lending panel and some of our majors are listed below:
