Construction & development

Construction and development finance

Staged funding structured around your build programme and drawn down as the project progresses — from single residential builds and duplexes through to multi-unit developments. Structured properly before it goes to market, then placed with lenders who understand construction risk.

I'm looking for
$1,500,000
$100K$10M+

No obligation. No impact on your credit. Your details stay private.

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Thanks — we've got your request and will call you shortly.

What we fund

  • Single residential builds, knockdown rebuilds and duplexes
  • Multi-unit residential and townhouse developments
  • Land acquisition and holding through the approvals process
  • Subdivision through to titled lots
  • Commercial and mixed-use projects
  • Completion funding where an existing facility has fallen short

What we'll ask you for

  • The site, what you paid, and any debt currently against it
  • Development approval status, plans and the build programme
  • A fixed-price building contract or a costed schedule of works
  • Your feasibility — costs in, expected end value, and the margin
  • The exit: sell down, refinance to a term facility, or hold
  • Your experience with similar projects, and the builder's

Presales requirements vary widely between funders. Some private lenders will fund with none at all where the equity position is strong. Part of the job is knowing which lender fits which project.

Common questions

Do I need presales?

It depends entirely on the funder and the project. Bank construction facilities typically require significant presales; a number of private and non-bank funders will consider projects with limited or no presales where there is sufficient equity and a clear exit. We'll tell you which of your options require what.

How are construction funds released?

In stages, against the build programme. A quantity surveyor or the lender's valuer typically signs off each stage before the drawdown is released, so funds match the work actually completed.

Can you fund the land purchase as well as the build?

Often yes — either as a combined facility or as a land facility that converts to construction once approvals and a building contract are in place.

What if my current lender has pulled out mid-build?

That's a common reason people call. Completion funding is available, though it needs to be moved on quickly. Get in touch early rather than late — options narrow considerably once trades have walked off site.

Talk it through

Tell us the asset, the amount and the timeframe. You'll get a straight answer early — including if it doesn't stack up.

Get started
Construction site of a building under development Handshake closing a deal