Property Development Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for property development finance, property development loans and development finance across Australia.
Is this your situation?
Property development finance is often needed at different stages of a project, from site acquisition through construction, completion, refinance and exit.
You are buying a development site
Funding may be required to purchase or refinance a site before construction begins.
You need construction funding
Private lenders can consider construction and development funding where the project stacks up.
The bank will not approve the loan
Banks can be conservative where presales, servicing, experience or timing do not fit policy.
You are building multiple dwellings
Funding may suit duplexes, townhouses, units, apartments or multi-dwelling projects.
You need top-up or rescue funding
Additional funding may be required for cost overruns, completion or project rescue.
You need exit or refinance options
A private facility may help refinance, complete, sell or exit an existing development loan.
What is property development finance?
Property development finance is funding used to purchase, refinance, construct, complete or exit a property development project.
Why development projects need specialist funding
Development projects involve land value, planning, construction costs, GRV, presales, marketability, feasibility and exit strategy, which can make them more complex than standard lending.
Where private lenders can help
Some private lenders can assess development projects commercially by focusing on the security, project stage, GRV, cost-to-complete, LVR, borrower contribution and exit strategy.
Why banks often decline property development finance.
Banks can be conservative where a development project has presale, servicing, timing, feasibility, valuation or construction risk concerns.
Banks commonly decline because of:
- Insufficient presales or no presales
- Servicing does not fit bank policy
- Developer experience concerns
- Construction budget or feasibility concerns
- Valuation or GRV concerns
- Project timing issues
- The scenario does not fit standard policy
Private lenders approve based on:
- Security value and completed value
- Project stage and approval status
- GRV and marketability
- Construction budget and cost-to-complete
- Loan-to-value position
- Borrower contribution and equity
- Clear sale or refinance exit strategy
Common property development finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Site Acquisition Finance
Funding to purchase or refinance a development site.
Construction Funding
Private funding for construction costs and progress stages.
Multi Unit Development Finance
Funding for duplexes, townhouses, units and apartment projects.
No Pre-Sales Finance
Private lender options where standard presale requirements are difficult.
Project Rescue Finance
Funding for stalled, distressed or partially completed developments.
Cost Overrun Finance
Additional funding where construction or project costs have increased.
Development Refinance
Refinance of land, construction, development or private facilities.
Development Exit Finance
Short-term funding to repay or exit an existing development loan.
Residual Stock Loans
Funding against completed but unsold development stock.
Development projects private lenders can consider.
Every lender has different appetite. The goal is to match the project with lenders that understand the development type, risk position and exit strategy.
Development Sites
Funding for site acquisition and refinance.
Duplexes
Funding for duplex and dual occupancy projects.
Townhouses
Development finance for townhouse projects.
Units
Private lending options for unit developments.
Apartments
Selected apartment projects may be considered.
Subdivisions
Funding for land subdivision and civil works.
Commercial Projects
Selected commercial development projects.
Mixed-Use Projects
Funding for selected mixed-use developments.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but development scenarios need enough detail for lenders to understand the project and exit pathway.
Property Address
The site address and property details help lenders understand location and security type.
Planning Status
DA approval, permit status, drawings, conditions or pre-construction progress.
Loan Amount Required
The land, construction, top-up, refinance, completion or exit funding amount required.
GRV and Feasibility
Gross realisation value, feasibility, construction budget and cost-to-complete are key items.
Project Stage
Site acquisition, planning, construction, completion, residual stock or exit.
Exit Strategy
Sale, refinance, stock sell-down, bank refinance or another clear repayment pathway.
Case study: townhouse development funded privately.
A developer had a townhouse project ready to proceed but bank approval was delayed by presale and policy requirements.
The borrower needed funding to move quickly and avoid delaying the project while construction costs were rising.
The scenario was introduced to a private lender that assessed the site value, approval position, GRV, budget, contribution and sale exit.
A short-term private facility allowed the project to commence, with exit through completed townhouse sales.
Case study: development refinance created more time.
A borrower had an existing development facility approaching maturity and needed time to complete and sell the project.
The current lender required repayment before the borrower had completed the final exit strategy.
The scenario was matched with a private lender that refinanced the existing facility based on security value and exit strategy.
The borrower completed the project and repaid the private facility through sale and refinance proceeds.
A simple process designed for fast scenario assessment.
The goal is to get your property development finance 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 property development finance.
Common questions from developers considering private funding for development projects across Australia.
What is property development finance?
property development finance is private funding used for property development projects, including acquisition, refinance, construction, completion or exit funding depending on the project stage.
Can private lenders fund property development finance?
Yes. Private lenders can consider property development finance where the security value, project stage, loan-to-value position, borrower contribution and exit strategy are acceptable.
Can I get a property development loan without presales?
Some private lenders can consider scenarios without presales where the location, GRV, LVR, equity contribution, marketability and exit strategy are strong enough.
Why do banks decline these loans?
Banks may decline where presales are insufficient, servicing does not fit policy, construction risk is high, valuation concerns exist or the project no longer fits standard bank requirements.
Can private lenders fund cost overruns?
Yes. Private lenders can consider additional funding where costs have increased and the project still has enough security value and a clear exit strategy.
Can I refinance an existing facility?
Yes. Existing land, development, construction or private facilities can sometimes be refinanced where the project needs more time or a different lending structure.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, GRV, project stage, construction budget, 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, value estimate, GRV, cost-to-complete and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, planning status, project type, current debt, construction budget, loan amount required, estimated GRV and exit strategy.
Can this funding be used for site acquisition?
Yes. Some private lenders can consider funding to purchase or refinance a suitable site where the security and exit strategy support the loan.
Can this funding be used before construction starts?
Yes. Funding may be available before construction starts where the site, approval status, valuation, borrower contribution and exit strategy are acceptable.
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 finance for a property development project?
Submit the key details of the site, project type, loan amount, planning status, GRV, cost-to-complete and exit strategy so the scenario can be matched with suitable private lenders.
Submit your property development finance scenario.
Send through the key details of the site, project type, loan amount, planning status, GRV, cost-to-complete and exit strategy.