Construction Funding
End-to-end funding to take your project from site to settlement
Construction funding is the engine of every development. We arrange complete facilities that cover the land, the build and the capitalised finance costs — structured against your project's Gross Realisation Value (GRV), with nothing to repay until settlement.
Whether your project suits sharp bank pricing or the higher leverage and lighter pre-sale requirements of a non-bank lender, we model both paths side by side and place the deal where it delivers the best net outcome for you.
Key Terms
- Facility size: $1M – $1Bn
- LVR: Up to 80% of GRV
- Repayments: Interest Only, Retained at Settlement
- Pre-sales: Low to no pre-sale options
What the facility covers
A construction facility typically funds an initial advance against the land at settlement, then progressive drawdowns against certified construction claims. Interest, line fees and establishment costs are capitalised within the facility, so the loan services itself for the life of the build.
- Land advance at settlement or refinance of your existing site debt
- Progressive drawdowns certified against the building contract
- Interest and fees capitalised — no repayments during construction
- Repaid from unit settlements or refinance at completion
Bank or non-bank?
Banks offer the sharpest pricing but lend more conservatively — lower GRV caps and firmer pre-sale requirements. Non-bank lenders stretch further on leverage and pre-sales at a pricing premium. The right answer depends on your equity position, timeline and appetite for pre-sales.
Best Suited To
- Residential, mixed-use and commercial construction projects
- Developers with a fixed-price building contract ready to go
- Sponsors comparing bank vs non-bank outcomes before committing
Construction funding from $1M to $1Bn, up to 80% of GRV with low or no pre-sales. Compare bank vs non-bank construction finance for your development project.
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