Need Funding to Get Your Project Built? We’re With You From the Ground Up
Construction loans are a critical part of any successful development. Whether you’re building a residential complex, commercial premises, or mixed-use asset, we help you secure structured funding that matches your build timeline, budget, and end goals.
Finance That Aligns With Your Construction Milestones
Unlike standard property loans, construction finance is released progressively, based on your project’s stage of completion. This approach supports cash flow, reduces interest costs, and helps you manage lender requirements throughout the build.
- Guide
How We Help You Navigate Construction Lending
We partner with developers, builders, and investors to tailor construction loans that suit the size, complexity, and structure of your project. Here’s how we support you:
1
Understand your development and funding needs
We begin by reviewing your build type, timelines, ownership entity, and delivery model—then recommend a funding solution aligned with your capital stack and project schedule.
2
Access a range of specialist construction lenders
From major banks to private and non-bank lenders, we compare your options—considering loan size, drawdown structure, interest terms, and pre-sale requirements.
3
Assist with feasibility, valuation, and approvals
We guide you through key lender criteria, including cost-to-complete analysis, builder agreements, QS reports, and planning approvals, ensuring a smooth approval process.
4
Structure drawdowns for project efficiency
We help set up staged payments based on your builder’s claims—minimising delays, managing interest, and keeping construction on track.
5
Support through to practical completion
As your project nears completion, we assist with end-of-loan options such as refinancing, term facility conversion, or settlement planning—so you can transition smoothly.
Construction Finance for a Range of Projects
We assist with tailored construction loans across residential, commercial, and mixed-use developments, including:
- Townhouse and multi-unit builds
- Apartment complexes
- Commercial and industrial developments
- Mixed-use residential-commercial projects
- Speculative and pre-sold builds
- Owner-builder and developer-builder structures
- FAQs
Common Questions About Construction Loans
How are funds released during the build?
Lenders typically release funds in stages—land settlement, slab, frame, lock-up, fit-out, and final—based on progress inspections and builder invoices.
What documentation is required?
You’ll generally need detailed project plans, builder contracts, permits, a quantity surveyor’s report, and a completed development feasibility.
Can I use construction finance with a trust or company?
Yes. We work with borrowers using various ownership structures, including trusts, companies, and joint ventures—ensuring legal and funding compliance.
What level of pre-sales do lenders require?
Pre-sale requirements vary by lender and project risk. Some may require no pre-sales, while others need a percentage of the project under contract.
Is interest charged on the full loan amount?
No—you typically only pay interest on funds drawn to date, which can significantly reduce your interest cost during early stages of construction.
Let’s Talk About Structuring Your Build Finance
Getting your construction funding right is critical to your project’s success. Whether you’re starting your first development or managing a portfolio of builds, we can help you secure finance that supports progress at every stage. Book a no-obligation consultation today and build with confidence.
