Construction Finance
Comprehensive construction and development funding solutions from $1M to $100M+ with flexible terms, nil pre-sales requirements, and up to 90% TDC LVR.
Why Choose Our Construction Finance?
Flexible funding solutions designed specifically for property developers and construction professionals
Product Options
Choose from our range of construction finance products tailored to different project types and requirements
- Licensed builder required
- Progress payment structure
- Competitive interest rates
- Nil pre-sales required
- Single approval process
- Flexible draw down schedule
- Owner builder permit accepted
- Quantity surveyor inspections
- Extended settlement terms
Scenario Requirements
Understanding the key requirements and capture points for successful construction finance applications
Essential Requirements
Development Approval
Valid development approval or building permit from relevant authorities
Construction Contract
Fixed price construction contract with licensed builder (where applicable)
Quantity Surveyor Report
Independent QS assessment of construction costs and project feasibility
Financial Position
Demonstrated financial capacity and experience in property development
Key Capture Points
Project Viability
Strong end value assessment and realistic construction timeline
Exit Strategy
Clear exit strategy through sale, refinance, or long-term hold
Risk Management
Comprehensive insurance coverage and risk mitigation strategies
Market Conditions
Favorable market conditions and demand for the proposed development
Resources & Downloads
Access our comprehensive library of construction finance resources and educational materials
Success Stories
Real-world examples of successful construction finance projects and outcomes
$15M
85% TDC
18 months
Successful completion
Key Success Factors:
- • Experienced developer with strong track record
- • Prime location with strong demand
- • Fixed price contract with reputable builder
- • Comprehensive pre-sales strategy
$45M
75% TDC
24 months
Pre-leased & sold
Key Success Factors:
- • Premium CBD location with transport links
- • Pre-commitment from major tenant
- • Sustainable design and construction
- • Strong institutional buyer interest
Construction Finance Education
Essential knowledge for successful construction finance applications and project management
Understanding TDC
Total Development Cost (TDC) includes all costs associated with your development project:
- • Land acquisition costs
- • Construction and building costs
- • Professional fees (architect, engineer, etc.)
- • Council fees and charges
- • Marketing and sales costs
- • Finance costs and contingencies
Tip: Accurate TDC calculation is crucial for determining your maximum facility size and ensuring adequate funding.
Progress Payments
Construction finance is typically drawn down in stages based on construction progress:
- • Site preparation and foundations
- • Frame and roof completion
- • Lock-up stage
- • Fixing and fitting out
- • Practical completion
Benefit: Progress payments help manage cash flow and ensure funds are only released as work is completed.
Risk Mitigation
Key strategies to minimize risks in construction finance:
- • Comprehensive insurance coverage
- • Fixed price construction contracts
- • Regular quantity surveyor inspections
- • Adequate contingency allowances
- • Experienced project management
- • Clear exit strategy planning
Important: Proper risk management protects both borrower and lender interests throughout the project.
Ready to Start Your Construction Project?
Get access to flexible construction finance solutions with competitive rates and expert support throughout your project