Development finance
Funding for Duplexes, Townhouses and Subdivisions
Finance for multi-unit builds and subdivisions, structured around your feasibility, presales and end value. Separate from single-home construction loans.
Quick estimate
How Much Funding Could Your Project Get?
Estimate only. Facility is the lower of 80% of total costs or 65% of GRV. Excludes interest, fees and selling costs, which reduce profit.
Indicative facility$2,640,000Limited by 80% of total costs.
Confirm With a Strategy Call →Is it right for you?
Development Finance Is for You If…
✓You’re building a duplex, townhouses or a small unit block
✓You’re subdividing land into separate lots
✓You have DA approval or are close to it
✓You need funding drawn as the build progresses
✓You want lenders who understand feasibility, not just income
How it works
What Lenders Look At
Development lending is assessed on the project, not just your personal income.
LVRLoan to end valueOften up to 65% of gross realisation value (GRV).
LTCLoan to costOften up to 80% of land plus build costs.
PresalesPresale requirementsSome lenders need part of the project sold off the plan.
MarginDeveloper marginLenders typically want a 15–20% profit margin on cost.
The process
From Feasibility to Final Lot
01
FeasibilityWe review land, costs, GRV and your margin.02
Lender matchBanks, non-banks and private lenders compared.03
Progress drawsFunds released at each build stage.04
ExitSell, refinance or hold the finished units.Construction loans fund a single home, assessed mostly on your income. Development finance funds multi-unit projects and subdivisions, assessed on the project’s costs, end value and profit.