Solutions / Specialty
Residual Stock Finance
Liquidity solutions for completed developments with unsold stock
Overview
Improves cash flow without discounting stock.
Facility secured against unsold units in completed developments. Release capital without forced sales, with interest reductions as units sell and flexible exit timing.
Best For
- Completed developments with residual units
- Developers seeking liquidity without forced sales
- Transitional hold periods before exit
Key Features
- Facility secured against unsold stock
- LVR up to 80% of unit values
- Loan sizes from $250k to $25m+
- Interest reductions as units sell
- Interest capitalised or serviced
- Flexible sale or refinance exit
Parameters
Eligibility criteria
Property Status
Completed with OC issued
LVR
Up to 80% of unit values
Minimum Loan
$250,000
Maximum Loan
$25,000,000+
Units
Minimum 2 unsold units
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 initial facility
Interest Rate
10-14% p.a.
Exit Fee
Nil
Checklist
Required documents
01
Borrower ID
02
Entity Documentation
03
Occupation Certificate
04
Individual Unit Valuations
05
Strata Plan
If applicable
06
Sales History
Units sold to date
All applications subject to credit approval. Individual unit valuations required.
What types of stock can be funded?
Completed and OC-issued residential units, townhouses, or apartments that remain unsold post-development are typically considered.
What LVR is available on residual stock?
Funding partners typically consider up to 70% LVR on current market value of the completed units.
Can I use the funds for marketing?
Yes, residual stock facilities can fund holding costs, marketing campaigns, or provide liquidity while selling down.
What is the expected sales timeline?
Facilities are typically structured for 6-12 months, with extensions available if the selldown is progressing.
Coverage
Residual Stock / Unsold Units by Location
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