Areas served: Melbourne metro, Inner Metro, Western Growth Corridors, South East, Geelong, Mornington Peninsula
Melbourne's development landscape offers diverse opportunities from inner-city urban renewal to growth corridor greenfield projects. Whether you're building apartments in the Inner North, townhouses in the South East, or master-planned communities in the Western Growth Corridors, construction finance from Get Solutions can help you deliver.
We provide combined land acquisition and construction facilities for projects across Melbourne metro and surrounding regions. One lender, one facility, progressive drawdowns against milestones, and interest capitalised through the construction period.
Our development finance is structured for Melbourne's varied market conditions. We fund from $1M to $25M+ with LTCs up to 80% of total development cost. Our credit team understands Melbourne's sub-markets and can assess projects efficiently.
For brokers, we offer rapid preliminary assessment, competitive commissions, and experience with complex development structures. For developers, we provide funding certainty and a collaborative approach to getting projects built.
Why Brokers Choose Get Solutions
Fast Decisions
Preliminary assessment within 24-48 hours. No waiting weeks for credit committee.
Execution Certainty
When we say yes, we deliver. Our approval-to-settlement rate exceeds 95%.
Local Expertise
Deep understanding of Melbourne property markets and development corridors.
Broker Focused
We protect your client relationships and pay competitive commissions.
Our Finance Solutions
Construction finance is just one of our products. Depending on your client's situation — land acquisition, stalled project, or completed stock — another solution might be a better fit.
Investment Loans
Income-backed senior loans for stabilised investment assets
Learn moreDevelopment Finance
Senior capital for land and construction, structured as one facility
Learn moreLand Banks
Capital to secure and hold development sites ahead of execution
Learn moreStall'd Projects
Completion capital for stalled or partially completed developments
Learn moreSecond Mortgage / Mezzanine
Structured capital to solve equity gaps without refinancing senior debt
Learn moreResidual Stock / Unsold Units
Liquidity solutions for completed developments with unsold stock
Learn moreBridging Finance
Short-term capital to solve timing and execution gaps
Learn moreMelbourne Scenario Examples
Apartment Development - Inner North
A developer secured DA for 24 apartments in Brunswick but faced bank presale requirements they couldn't meet. We provided $10.8M development finance with reduced presale hurdles, allowing construction to proceed.
Townhouse Project - South East
An experienced developer needed funding for a townhouse development in Glen Waverley. We provided $7.4M development finance with competitive pricing reflecting the established location and developer track record.
House and Land - Western Corridors
A builder-developer was scaling up in Melbourne's Western Growth Corridors. We provided $5.2M for a staged house-and-land project, with flexibility to draw down progressively as lots commenced construction.
Mixed-Use Development - Richmond
A developer needed construction finance for a mixed-use project combining ground-floor retail with residential above. We provided $9.6M with a structure that worked for both components and the varied exit strategy.
These scenarios are illustrative examples based on typical transactions. Individual circumstances vary and all applications are subject to credit approval.
Frequently Asked Questions
What is the maximum loan-to-cost ratio for construction finance in Melbourne?
We can fund up to 75% on site settlements and up to 80% of total development cost for projects in Melbourne, depending on project specifics, location, and developer experience. Inner suburban locations typically attract better terms.
Do I need presales to get construction finance in Melbourne?
Presales are not always required but can improve terms. We assess each Melbourne project on its merits including location, product type, and developer capability. Strong locations with experienced developers may proceed without presales.
How are construction drawdowns managed?
Progressive drawdowns are released against construction milestones, certified by an independent Quantity Surveyor. We work with your QS to ensure smooth progress payments that align with your construction program.
What developer experience is required?
At least one completed project is preferred, but we consider first-time developers in Melbourne with strong teams, conservative project profiles, and experienced builders. Your builder's track record is also considered.
Can you fund land and construction together?
Yes, our development finance facilities combine land acquisition and construction in a single facility. One lender, one set of documents, progressive drawdowns from site acquisition through to completion.
What types of projects do you fund in Melbourne?
We fund residential developments (apartments, townhouses, house and land), mixed-use projects, and select commercial developments across Melbourne metro. Project size typically $1M to $25M+ in total facility.
How long does approval take for construction finance?
Preliminary assessment is typically within 48 hours. Full approval depends on project complexity, but straightforward scenarios can be approved within 2-3 weeks subject to valuation, QS assessment, and builder approval.