Property Development Finance Australia
We arrange property development finance across Australia — from $1M residential townhouse projects to $1Bn mixed-use developments. Our team of specialist brokers compares 200+ bank and non-bank lenders to structure the facility that delivers the best net outcome for your project.
Our Services
- Construction Funding — End-to-end facilities covering land, build and capitalised finance costs, up to 80% of Gross Realisation Value (GRV).
- Senior Debt — First mortgage construction finance from major banks and institutional non-bank lenders, up to 70% GRV.
- Stretched Senior Debt — Higher leverage in a single facility with one lender, no mezzanine intercreditor complexity.
- Mezzanine Finance — Second-mortgage capital that reduces the cash equity your project needs.
- Site Loans — Land and development site finance ahead of DA and construction.
- Preferred Equity — Entity-level capital where second mortgages are not permitted.
- Residual Stock Loans — Finance against completed unsold units to repay your construction facility.
Why Developers Choose Us
- 200+ bank and non-bank lenders in our active network
- Bank vs non-bank comparison for every project — no guesswork
- Facilities from $1M to $1Bn across residential, mixed-use and commercial
- Low or no pre-sale options available through non-bank lenders
- Interest capitalised throughout construction — no repayments until settlement
Frequently Asked Questions
- What is property development finance?
- Property development finance funds the acquisition of a site and the construction of a project. Facilities are typically sized against the project's Gross Realisation Value (GRV), with interest capitalised so there are no repayments until settlement.
- How much can I borrow for a development project?
- Construction facilities range from $1M to $1Bn, with leverage up to 80% of GRV through non-bank lenders. The exact amount depends on your project's end value, costs, pre-sales and equity position.
- Do I need pre-sales to get construction funding?
- Not always. Banks generally require pre-sale coverage, while many non-bank lenders offer low or no pre-sale options at a pricing premium. We compare both paths so you can see the true cost of each.
- What is the difference between bank and non-bank development finance?
- Banks offer the sharpest pricing but lend more conservatively, with lower GRV caps and firmer pre-sale requirements. Non-bank lenders stretch further on leverage and pre-sales at a higher rate.
- What is mezzanine finance in property development?
- Mezzanine finance is second-mortgage capital that sits behind the senior facility, reducing the cash equity a developer needs to contribute in exchange for a higher rate on that tranche.
Speak to a Development Finance Broker