Development Loan Refinance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for development loan refinance, construction loan refinance and private development refinance across Australia.
Is this your situation?
Development loan refinance is often needed when an existing development, construction, land or private facility needs to be replaced, repaid or restructured.
You need to refinance an existing loan
The current lender may need repayment and a new facility may be required.
The loan is approaching maturity
Refinance may create more time to complete, sell or refinance again.
The bank will not refinance yet
Bank refinance may not be ready because the project, sales or servicing do not fit policy.
The project is still progressing
The development may still be under construction or close to completion.
Completed stock remains unsold
Residual stock may need to be refinanced while sales continue.
You need a cleaner exit pathway
Refinance can provide time for sale, settlement, completion or bank refinance.
What is development loan refinance?
Development loan refinance is short-term funding used to replace or repay an existing development, construction, land or private loan.
Why development loans need refinancing
Projects may need refinance because the existing lender requires repayment, the loan is expiring, costs have changed, stock remains unsold or the exit strategy needs more time.
Where private lenders can help
Some private lenders can assess refinance scenarios by reviewing the current debt, security value, project status, LVR and exit strategy.
Why banks often decline development loan refinance.
Banks can be conservative when the project is incomplete, stock remains unsold or the refinance does not fit standard servicing and policy requirements.
Banks commonly decline because of:
- Existing loan is near maturity
- Project is incomplete or delayed
- Too much stock remains unsold
- Servicing does not fit policy
- Valuation or LVR concerns
- No bank-style exit yet
- The scenario does not fit standard refinance policy
Private lenders approve based on:
- Current value and completed value
- Existing debt and payout amount
- Project stage and risk position
- Remaining stock or sale evidence
- Loan-to-value position
- Borrower equity position
- Clear sale or refinance exit strategy
Common development loan refinance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Refinance Development Loan
Refinance of an existing development or construction facility.
Construction Loan Refinance
Refinance while construction is underway or near completion.
Residual Stock Refinance
Funding against completed but unsold stock.
Bank Refinance Not Ready
Private refinance while waiting for a bank refinance or long-term exit.
Loan Maturity Pressure
Funding where the existing loan is expiring or overdue.
Cost Overrun Refinance
Refinance and additional funding where costs have increased.
Title or Settlement Delay
Refinance while titles, settlements or compliance are delayed.
Exit Finance Refinance
Short-term funding to create an orderly development exit.
Urgent Lender Payout
Fast private funding where the current lender requires repayment.
Projects private lenders can consider for refinance.
Every lender has different appetite. The goal is to match the refinance scenario with lenders that understand the asset, debt position and exit strategy.
Development Sites
Refinance of development sites and land holdings.
Townhouse Projects
Refinance of townhouse development facilities.
Unit Developments
Refinance of unit and multi-dwelling projects.
Apartment Projects
Selected apartment projects requiring refinance.
Duplex Projects
Refinance of duplex construction or completion facilities.
Subdivision Projects
Refinance while works, titles or lot sales are completed.
Commercial Developments
Selected commercial development refinance scenarios.
Residual Stock
Completed stock requiring more time to sell.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but refinance scenarios need enough detail for lenders to understand the current debt, security and exit pathway.
Property Address
The property address and details help lenders understand the security.
Existing Debt
The current lender, payout figure, loan balance and maturity position.
Project Status
Current stage, remaining works, completed stock or settlement position.
Valuation and GRV
Current value, completed value, stock value or appraisals.
Sales or Refinance Evidence
Contracts, sales, bank refinance progress or settlement timing.
Exit Strategy
Sale, refinance, completion, stock sell-down or bank refinance.
Case study: development loan refinanced before maturity.
A developer had an existing private facility approaching maturity and needed a new lender to provide more time.
The project was not ready for bank refinance and the current lender required repayment.
The scenario was introduced to a private lender that assessed the security value, current debt, project stage and exit plan.
The existing loan was refinanced and the borrower gained time to complete the project and exit properly.
Case study: residual stock refinance after completion.
A completed development still had several unsold units when the construction facility was due for repayment.
The borrower needed to refinance the loan while avoiding a forced sale discount.
The scenario was matched with a private lender that assessed the completed stock, valuation and sell-down strategy.
The refinance gave the borrower time to sell the remaining stock in an orderly way.
A simple process designed for fast scenario assessment.
The goal is to get your development loan refinance scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Frequently asked questions about development loan refinance.
Common questions from developers needing to refinance, repay or replace an existing development loan.
What is development loan refinance?
development loan refinance is private funding support for developers who need refinance, repay or replace an existing development loan.
Can private lenders help with development loan refinance?
Yes. Private lenders can consider development loan refinance where the security value, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where servicing does not fit policy, presales are insufficient, the loan has expired, the project has changed or the scenario no longer fits standard development lending criteria.
Can this help if my current lender wants repayment?
Yes. Private lenders can consider short-term refinance or extension options where an existing lender requires repayment and the project needs more time.
Can this be used before construction starts?
Yes. Some private lenders can consider funding before construction where the site, planning status, valuation, equity contribution and exit strategy support the loan.
Can this be used for a completed project?
Yes. Depending on the scenario, funding may assist with completion, residual stock, sell-down, refinance or loan exit.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, project stage, LVR and exit strategy rather than requiring a full bank-style application upfront.
How quickly can the scenario be assessed?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project stage, existing debt, valuation and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, current debt, project status, planning position, loan amount required, value estimate, GRV and exit strategy.
Can I refinance from one private lender to another?
Yes. Private-to-private refinance may be possible where the current facility needs to be repaid and the new lender is comfortable with the asset, LVR and exit.
Can this help avoid a forced sale?
Yes. A short-term private facility can create time for sale, refinance, completion or settlement instead of forcing a rushed exit.
Who contacts me after I submit the scenario?
Once the scenario is reviewed and matched with suitable lending partners, a private lender or their representative can contact you directly to confirm requirements, structure and next steps.
Related development finance scenarios.
Every development project is different. Explore other private development finance scenarios that may also match your situation.
Funding Problems
Construction & Development
Land, Planning & Civil Works
Need to refinance a development loan?
Submit the key details of the property, existing debt, current lender, project status and exit strategy so the scenario can be matched with suitable private lenders.
Submit your development loan refinance scenario.
Send through the key details of the property, existing debt, current lender, project status and exit strategy.