How much equity do I need for a development?

It depends on the project and lender. Banks often require more equity and pre-sales, while non-bank and private lenders may fund a higher share at a higher cost. We’ll compare options.

Smaller projects such as duplexes often don’t. Larger projects frequently need a level of pre-sales for bank funding. Some non-bank lenders require fewer or none.

Can a first-time developer get funding?

Yes, particularly for smaller projects. Lenders will look closely at your builder, feasibility and professional team.

What is a residual stock loan?

A loan secured against completed, unsold units. It repays your construction loan and gives you more time to sell without pressure.

Do you only arrange development finance in Sydney?

No. We work with developers and builders across Australia.

Development Finance | 50+ Lenders, Free Advice

Development Finance for Residential Projects

Development finance funds land purchase and construction for duplexes, townhouses, units and subdivisions.

We compare development finance from banks and private lenders, prepare a strong funding submission and manage drawdowns through to completion.

How we work: every application starts with a free conversation about your goals. We then compare rates, fees and features across our lender panel, explain the pros and cons of each option in plain English and recommend the option that suits you. Once you are happy, we prepare and lodge the application, follow up with the lender and keep you informed by phone, text or email until settlement.

Why use a broker? Lenders have very different credit policies. One bank might decline an application that another approves at a sharper rate. Because we work with major banks, regional lenders and specialist lenders, we can match your situation to the right policy the first time, saving you time and protecting your credit file from multiple enquiries.

Talk to us early about development finance for your next project.

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Development Finance

Property development and construction finance

From a single duplex to townhouses and small apartment projects, we help developers and builders find funding from banks, non-bank and private lenders across Australia.

Discuss my project Call 0422 905 666

Property development finance and construction funding

Projects we help fund

Duplexes and dual occupancies
Townhouse and terrace developments
Small to medium apartment and mixed-use projects
Land subdivision and civil works
Knockdown-rebuild and granny flat projects
Commercial and industrial developments

Types of funding

Land acquisition and land bank loans to secure a site while you obtain approvals
Construction finance released in stages as the project progresses
Residual stock loans to give you time to sell completed units
Bridging and short-term finance between project stages
Private and non-bank lending for projects outside bank policy

What lenders look at

Development lenders assess the project as a whole: the site, approvals, feasibility, building contract, your experience and your equity contribution. Larger projects may need pre-sales. Lenders typically lend against a percentage of the total development cost or the projected end value.

Getting your feasibility and documents right before you approach lenders can make a big difference to the terms you’re offered. We help you package your project and compare lenders that suit its size and risk.

How we work with developers

Project review. We look at your site, plans, feasibility and timeline.
Lender match. We approach banks, non-banks and private lenders suited to the project.
Term sheets. We compare rates, fees, LVR, pre-sale and equity requirements.
Settlement and drawdowns. We coordinate with your builder, quantity surveyor and solicitor.

Planning a development?

Talk to us early. We work with developers and builders Australia-wide.

Get my free assessment Call 0422 905 666