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
  

• Equity backed or investor supported finance where suitable

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 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

Deposit
Most lenders will want to see that you’re contributing some of your own funds to the project. This is usually a minimum of five percent of the total cost. If your deposit is less than twenty percent, Lender’s Mortgage Insurance may be required depending on the lender.

Income and Expenses
We help you present all eligible income sources, including employment, rental earnings or business activity. Lenders also review your living expenses, financial commitments and credit card limits to assess borrowing capacity.

Credit History
Your past repayment behaviour gives lenders an idea of risk. A clean credit history is ideal, but if you’ve had credit issues, it doesn’t always mean your application is over. We’ll help you package your profile to match with lenders who take a balanced view.

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.