Acquire and build
Combine site acquisition with staged construction funding for an approved or approval-ready development.
PROPERTY DEVELOPMENT LOANS · AUSTRALIA
Explore funding pathways for land acquisition, construction, subdivision, refinance and completion. Start with your project stage, then review the specialist option that matches your funding need. All facilities remain subject to lender assessment.
Ready to examine the numbers? See our development finance matrix and assessment guide for cost, GRV, equity and evidence requirements.
Site acquisitionLand and approved-site funding
ConstructionControlled progress drawdowns
RefinanceRestructure existing project debt
Completion & exitFund through delivery and repayment
CAPITAL WITH A DELIVERY PLAN
Development finance is not assessed on end value alone. Lenders test the full capital stack: land, hard and soft costs, interest, fees, contingency, borrower equity and the evidence supporting the proposed exit.
Our role is to present that position clearly, identify the most suitable lender category and structure drawdowns and conditions around how the project will actually be delivered.
Combine site acquisition with staged construction funding for an approved or approval-ready development.
Replace existing land or construction debt and fund the verified balance required to reach completion.
Compare bank, non-bank and private options against leverage, presales, timing, experience and documentation.
Explore residual land value, indicative senior debt, borrower equity and the effect of lower sales values, higher build costs or a longer project term.
UNDERWRITING THE WHOLE PROJECT
A credible application connects value, costs, equity, execution and repayment. Each item must support the same delivery plan.
Important: up to 80% of GRV is not a target or guarantee. Lenders may use a lower GRV, impose a separate loan-to-cost limit, exclude some costs, require presales or additional equity, reduce the facility or decline the application. Interest, fees and contingency may form part of total exposure.
INITIAL PROJECT CHECK
A development may warrant assessment where the core risks can be evidenced and controlled.
FROM FEASIBILITY TO FIRST DRAW
Share the site, approvals, costs, GRV, equity, experience, timing and proposed exit.
Test leverage, loan-to-cost, interest, fees, contingency, presales and drawdown requirements.
The selected lender reviews valuation, QS, legal, borrower, builder and project evidence.
Complete conditions, settle the facility and release construction funds against verified progress.
Start with the guide closest to your current position. The appropriate facility depends on the full project assessment.
Project stalled or drawdowns stopped? Start with our distressed construction finance guide for the debt, remaining-cost and recovery evidence needed for assessment. Funding remains subject to lender approval.
THE RIGHT LENDER CATEGORY MATTERS
The lowest headline rate is not always the lowest execution risk. The best fit depends on leverage, presales, timing, borrower experience, documentation and how much flexibility the project requires.
| FEATURE | BANK / MAJOR NON-BANK | SPECIALIST / PRIVATE |
|---|---|---|
| Best suited to | Lower-risk, well-documented projects | Complex, higher-leverage or time-sensitive files |
| Assessment | Policy-led and detailed | Asset, feasibility and exit led |
| Presales | Often required by policy | Can be more flexible, case by case |
| Timing | Generally longer | Potentially faster with complete evidence |
| Pricing | Typically lower | Typically higher for flexibility and risk |
WHAT TO PREPARE
Start with current, consistent information. Lenders need to understand the project as a business plan, not only as security.
Site and ownershipContract, title, valuation, existing debt and entity structure
Approvals and plansPlanning permit, drawings, specifications and authority status
Detailed feasibilitySources and uses, costs, revenue, interest, fees and contingency
Build informationContract, program, builder profile, insurance and QS material
Sales and exitPresales, market evidence, stock schedule, leasing or refinance
Borrower evidenceExperience, financial position, equity source and project team
FREQUENTLY ASKED QUESTIONS
These answers are general guidance. Every project and lender policy is different, and no figure is an approval or offer.
A property development loan is business-purpose finance structured to acquire land, refinance an existing site and fund construction through controlled progress drawdowns. Assessment typically considers the feasibility, costs, lender-accepted GRV, borrower equity, delivery team, contingency and exit strategy.
Selected scenarios may be considered up to 80% of the lender-accepted gross realisation value. The actual leverage can be lower and is also constrained by total development cost, valuation, location, presales, borrower experience, contingency, interest treatment and lender policy. Approval is not guaranteed.
We can assess development funding requests from smaller projects through to facilities up to $50 million. The available amount depends on the project, total development cost, lender-accepted GRV, equity contribution, security, construction program and exit.
Not always. Some lenders require qualifying presales, particularly for larger or higher-density projects. Selected specialist lenders may consider reduced-presale or no-presale structures where the equity, location, feasibility and exit are strong.
After settlement, funds are generally released in stages against verified work. A quantity surveyor or lender-appointed inspector reviews progress, remaining costs and the draw request before each advance.
A clear initial submission usually includes site and ownership details, planning approvals, feasibility, cost plan, building contract, QS information, valuation or GRV evidence, borrower and builder experience, presales if applicable, entity documents and a defined repayment strategy.
START WITH THE FEASIBILITY
Tell us what you are developing, where the project stands and the capital required. We will explain the information needed, likely constraints and the next practical step.
Use our contact form to share the project type, location, approvals, development costs, estimated GRV, available equity, timing and proposed exit.
Continue to the contact form →
All finance is subject to lender assessment, due diligence and approval. Fees, charges and eligibility criteria apply.