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
Typical Structure
Facility secured against unsold stock • LVR up to 80% • Loan sizes from $250k up to $25m plus • Interest reductions applied from principal reductions past the minimum term • Interest capitalised or serviced • Flexible sale or refinance exit
Improves cash flow without discounting stock.
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
Individual unit valuations required
Frequently Asked Questions
What types of stock can be funded?
Completed and OC-issued residential units, townhouses, or apartments that remain unsold post-development.
What LVR is available on residual stock?
Typically 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.
Residual Stock / Unsold Units by Location
Find private lending services across Australia's major cities and suburbs.