Development finance

Finance for small and medium developments

From a duplex or knockdown-rebuild to townhouses and small subdivisions, development finance is assessed on the project as much as on you. We prepare the numbers lenders want to see and compare banks, non-banks and private lenders.

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Is this you?

Duplex, dual occupancy and granny flat builds
Townhouse and small unit projects
Land subdivision and site acquisition
Residual stock and construction-to-completion refinance

Key facts

What you should know

FeasibilityLenders want a feasibility showing costs, sales or rents and profit margin

PresalesLarger projects often need a level of presales before funding

Progress drawsFunds are released in stages as the build progresses

Lender mixBanks, non-banks and private lenders all play a role depending on size and risk

LVR

Work out your loan-to-value ratio and whether LMI may apply.

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General information current as at October 2026. Lender policies change; we confirm them for your situation.

How it works

Our process

Review the project

We look at the site, approvals, builder, budget and your experience.

Package the deal

We prepare the feasibility and supporting documents lenders expect.

Compare funders

We compare banks, non-banks and private lenders on cost, LVR and conditions.

Manage drawdowns

We help coordinate valuations and progress payments through to completion.

Questions

Frequently asked

How much deposit do I need for a development?

It depends on the project size and lender. Small residential projects may be funded at higher LVRs; larger projects usually need more equity or presales.

Can I use equity in my home?

Often, yes. Equity in existing property is commonly used towards the land and contributions.

Do I need development experience?

Not always for small projects, but lenders look more favourably on experienced developers and licensed fixed-price builders.

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