Best For
- Ground-up residential and mixed-use builds with land acquisition
- Boutique to mid-scale development projects (land + build)
- Developers requiring capital for full development lifecycle
Key Features
- Combined land + construction in a single facility
- Up to 75% on site settlements and 80% of total development cost
- Progressive drawdowns against construction milestones
- Interest capitalised — no servicing required during build
- Loan sizes from $1m to $25m+
- Boutique to mid-scale development projects
Typical Structure
Combined land + construction facility • Up to 75% on site settlements and 80% of total development cost • Loan sizes from $1m to $25m plus • Progressive drawdowns against milestones • Interest capitalised, no servicing required
Full development capital in one structure — not split across multiple lenders.
Eligibility Criteria
Indicative Fees
Indicative only. All pricing subject to credit assessment, security quality, and borrower profile.
Required Documents
All applications subject to credit approval
QS certification required for drawdowns
Builder must be approved by lender
Frequently Asked Questions
What is the maximum loan-to-cost ratio?
We can fund up to 75% on site settlements and up to 80% of total development cost, depending on project specifics and borrower experience.
Do I need presales?
Presales are not always required but can improve terms. We assess each project on its merits including location, product type, and developer experience.
How are construction drawdowns managed?
Progressive drawdowns are released against construction milestones, certified by an independent Quantity Surveyor (QS).
What developer experience is required?
At least one completed project is preferred, but we consider first-time developers with strong teams and conservative project profiles.
Development Finance by Location
Find private lending services across Australia's major cities and suburbs.