What We Fund: Construction & Property Development Finance
Construction Finance for Property Developers from $3M to $100M+
Senior construction debt, mezzanine finance, preferred equity and cost-to-complete funding for residential, commercial and mixed-use developments across Australia. We structure the capital required to get the project completed, drawing on a select group of long-term funding partners, our network of private investors & our own fund to make up a complete facility.
What We Fund
Bridging and short-term property finance
Short-term capital secured against property, structured around how you'll actually repay it, and backed by a lender who can fund what comes next.
$3m to $100m
Facility size
12 to 18 months
Term
72%
LVR
National
Coverage
Construction Finance at a Glance
Flexible funding structured around the project.
Every development is different. We look at the complete capital requirement, the asset being created and the realistic path through construction to repayment.
Facility Size
$2m – $50m+
Funding Structures
Senior debt, mezzanine, preferred equity
Property Types
Residential, mixed-use, commercial
Pre-Sales
Not always required
Term
12–36 months typical
Drawdowns
Staged to construction milestones
Geography
Metro and regional Australia
Capital Sources
Private, institutional, family office
Pricing
Risk-adjusted, competitive
Every transaction is assessed on its individual merits. Nothing on this page constitutes an offer or commitment to provide finance.
Property Development & Construction Finance Australia
Construction rarely goes exactly to plan. Your funding needs to be built for that.
Construct Financial structures property development and construction funding for projects across Australia.
From senior construction debt and second mortgages to mezzanine finance, preferred equity and cost-overrun capital, we bring together the right funding structure for the project, its stage and the pathway to completion.
Projects We Finance
Property development finance across a range of projects.
01
Residential Development
Construction finance for townhouse developments, apartment projects, medium-density housing and staged residential developments.
02
Commercial & Industrial
Warehouses, offices, showrooms, medical facilities and childcare centres.
03
Mixed-Use Development
Projects combining residential, retail, hospitality or commercial uses.
04
Land Subdivision & Civil Works
Subdivisions and staged land developments through to lot realisation.
05
Staged Developments
Facilities structured around staged construction and progressive realisations rather than requiring an entire project to be delivered at once.
06
Projects Already Under Construction
Refinance, additional capital and cost-to-complete funding where construction has already commenced.
No Pre-Sales Construction Finance
Pre-sales aren't always required.
A lack of pre-sales does not automatically mean a project cannot be funded. Where the LVR is appropriate and the development fundamentals, feasibility, developer experience, product, location, market evidence and exit strategy support the transaction, we can structure construction finance without pre-sales.
For projects without a contracted sales pipeline, we place greater emphasis on the strength of the asset, comparable sales evidence, market depth, construction programme and realistic exit.
Discuss a No Pre-Sales Facility
Recent Transaction
Sunshine, VIC
$15.36m
Facility
68%
LVR
18
Month
Term
Term
Security
1st Mortgage
This infill industrial development comprising 23 modern office/warehouse units on a 7,741m² site within an established suburb. The project has been designed for truck accessibility and functionality, catering to small businesses seeking affordable warehouse and mezzanine office space.
Recent Transaction
Austral, NSW
$4.6m
Facility
63%
LVR
13
Month
Term
Term
Security
1st & 2nd Mortgage
Experienced developer in NSW needed a construction loan to fund a land subdivision in Austral, NSW & we arranged a 1st & 2nd Mortgage solution.