Solutions / Development
Development Finance Australia
Senior capital for land and construction, structured as one facility
Overview
Full development capital in one structure — not split across multiple lenders.
Combined land acquisition and construction facility for ground-up residential and mixed-use developments. One lender, one facility, progressive drawdowns against milestones with interest capitalised.
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
Parameters
Eligibility criteria
Project Type
Residential, Mixed-Use, Townhouse, Apartments
LTC
Up to 80% of Total Development Cost
LVR on Completion
Up to 75% of GDV
Minimum Loan
$1,000,000
Experience
At least 1 completed project preferred
Location
Metro and major regional Australia
Pricing
Indicative fees
Indicative only. All pricing is set by the lender and subject to credit assessment, security quality, and borrower profile.
Establishment Fee
2-3%
Of total facility limit
Interest Rate
10-14% p.a.
Capitalised, varies by risk profile
Line Fee
0.5-1% p.a.
On undrawn commitment
Exit Fee
Nil
No early repayment penalty
Checklist
Required documents
01
Borrower ID
For all directors/trustees
02
Entity Documentation
Trust deed, company extract
03
Development Feasibility
Detailed project feasibility study
04
Development Approval
Or evidence of approval pathway
05
Architectural Plans
Approved or for approval
06
Building Contract
Fixed price or cost-plus with GMP
07
Presales Evidence
If applicable
08
As-If-Complete Valuation
From approved valuer
All applications subject to credit approval. QS certification required for drawdowns. Builder must be approved by lender.
What is the maximum loan-to-cost ratio?
Funding partners typically consider 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. Each project is assessed 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 funding partners consider first-time developers with strong teams and conservative project profiles.
Coverage
Development Finance by Location
Find private lending services across Australia's major cities and suburbs.
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