Development Property Loans

We assist with a wide range of small to medium scale development projects, including

• Residential builds with up to four dwellings on a single title

• Dual occupancy and townhouse developments

• Apartment or commercial projects involving more than four units

• Subdivision of land into multiple lots

• First time development applications

• Projects that fall outside traditional lending criteria

If your deal doesn’t fit a mainstream lender’s box, we also have access to private lenders who assess your application based on feasibility and end value rather than just personal income or credit score.

Not every project fits a standard model. We work closely with you to select a loan structure that supports your timeline, budget and repayment strategy

• Full documentation and limited documentation development loans

• Interest only repayments during construction

• Loans with staged drawdowns tied to build progress

Private funding options for higher risk or specialised developments

Development lending isn’t just about securing funds. It’s about presenting your project the right way. We take the time to understand your goals, the numbers behind your build and what you’ll need to get finance approved

• Access to a wide panel of bank lenders, alternative lenders and private funders

• Step by step help in preparing feasibility reports and valuations

• Advice tailored for both new and experienced developers

• Support negotiating better interest rates and lender fees

• Personalised guidance from initial enquiry through to settlement

What is the difference between a development loan and a construction loan
A development loan is used for multi dwelling or commercial projects and often includes staged funding. A construction loan is designed for single residential home builds with a more straightforward structure.

Can I apply as a first time developer
Yes. Many of our clients are doing their first development. We’ll walk you through the process, help you meet lender expectations and structure the finance around your situation.

What is the difference between a development loan and a construction loan
A development loan is used for multi dwelling or commercial projects and often includes staged funding. A construction loan is designed for single residential home builds with a more straightforward structure.

Can I apply as a first time developer
Yes. Many of our clients are doing their first development. We’ll walk you through the process, help you meet lender expectations and structure the finance around your situation.

Do I need pre sales to get approved
Some lenders will require a percentage of units to be sold before they release funds. Others may be flexible if you have enough equity or a strong feasibility report. We’ll help you understand what’s required based on your project.

Some lenders will require a percentage of units to be sold before they release funds. Others may be flexible if you have enough equity or a strong feasibility report. We’ll help you understand what’s required based on your project.