Property Development Finance

Property development can be rewarding, but getting the funding right is often one of the biggest challenges.

Whether you’re planning a small townhouse project or a larger mixed-use development, the way your Property Development Finance is structured can make a big difference to your profit, timing and cash flow.

At Loanworx, we help first-time and experienced developers secure funding that works in the real world. We partner with major banks, non-bank lenders, private funders and mezzanine providers to match your project with the right mix of finance from the outset.

Why Developers Choose Loanworx for Property Development Finance

At Loanworx, we understand that development projects move quickly and that delays, holding costs and lender restrictions can eat into your margins. That’s why we focus on getting involved early, understanding your feasibility in detail and mapping out a realistic funding strategy before you’re locked into contracts.

We don’t just look at the headline numbers. We take into account your experience, builder, planning status, pre-sales or end-use plans, and exit strategy. Our aim is simple: help you secure Property Development Finance that supports your project timeline and risk profile, rather than forcing your project to fit a rigid, one-size-fits-all facility.

How We Structure Your Development Funding

Every development is different, and lenders assess Property Development Finance in a different way from standard residential investment loans.

We can explore funding options based on:

A percentage of total development or construction costs
The project’s gross realisation value (GRV) or end value
Pre-sale levels and conditions, where required by the lender

Because we work with a wide panel of banks, non-banks and private lenders, we’re able to compare multiple funding structures and terms. Our role is to highlight what each option means for your cash flow, risk and profit, so you can decide which approach best suits your project.

When It Makes Sense to Start Planning Your Development Finance

Many developers talk to us once they’ve completed a feasibility, secured a site under option, or are close to signing a building contract. Others come earlier, while they’re still shaping the project and want to understand what lenders are likely to support.

You might be ready to look at Property Development Finance if:

You’ve run the numbers and now need to know how much funding is realistic
Your primary bank’s appetite doesn’t match the size or type of your project
You’re considering a blend of senior debt and mezzanine funding
You have limited pre-sales and need to know which lenders can still work with you

Understanding your funding options at this stage can help you refine the project and avoid designing something that lenders are unlikely to back.

Why Early Finance Planning Matters for Property Developers

Acting early on your Property Development Finance isn’t about rushing into a loan – it’s about making sure the funding works for your project. When you speak with us sooner rather than later, we can check your feasibility against lender expectations, build in realistic timeframes for approval, and help you avoid last-minute funding stress.

With a clear finance strategy in place, you can move ahead with buying the site, engaging the builder and planning your marketing with much more confidence.

Key Facts About Property Development Finance

Development funding is more complex than a straightforward home or investment loan. Lenders look closely at the project, the team and the numbers — not just the security value.

Potential Benefits:

Access to higher overall funding limits than standard residential lending
Structures tailored to project timing, including interest capitalisation in some cases
The ability to use GRV-based facilities for larger or more complex projects
Options to blend senior debt with mezzanine or private funding where appropriate
Potential to scale up your development pipeline as you build a track record

Things to Watch:

Stricter scrutiny of feasibility, contingencies and builder capability
Pre-sale requirements and conditions that must be met before drawdown
How interest, fees and costs are capitalised and their impact on profit
Covenants and conditions linked to timelines, cost overruns or sales performance
The need for a clear exit strategy, whether via sale, refinance or lease-up

We’ll explain these factors in straightforward language and show how they apply to your specific development before you commit.

Our Lender Panel for Development Projects

It’s important to us that you’re not limited to a single view of Property Development Finance. Loanworx works with:

Major Australian banks
Non-bank and specialist development lenders
Private lenders and mezzanine funders

This breadth of choice allows us to compare structures, maximum lend, pricing and conditions across different providers, then recommend funding options that align with your project size, risk profile and experience.

How Loanworx Secures Property Development Finance

Securing Property Development Finance can feel complex, but our job is to simplify it and manage the process end to end.

Step 1 – Initial Review

We start with your feasibility, project plans and key details. We discuss your goals, timelines and proposed exit strategy to understand the full picture.

Step 2 – Documentation & Strategy

We provide a tailored documentation checklist and assess how lenders are likely to view the project. From there, we outline a funding strategy that may include senior, mezzanine and, if appropriate, private funding options.

Step 3 – Lender Assessment & Proposal

We approach suitable lenders, compare structures, terms, rates and conditions, and prepare a lender-ready proposal that clearly explains your project, numbers and risk mitigants.

Step 4 – Approval, Settlement & Drawdowns

We guide you through conditional approval, valuation, documentation and settlement. Where progress drawdowns are involved, we help ensure the funding process stays aligned with your construction program.

Please note: there is usually a fee for our development finance service, which varies depending on project size and complexity. We’ll outline this clearly before you proceed.

Speak to a Property Loan Specialist

Frequently Asked Questions

Do I need pre-sales to get Property Development Finance?

It depends on the lender, project and risk profile. Some lenders require a certain level of pre-sales, while others — particularly some non-bank or private funders — can be more flexible. We’ll explain what’s realistic for your specific project.

Will lenders fund 100% of my project costs?

Typically not. Most Property Development Finance structures require a mix of equity and debt. The level of funding available depends on GRV, total costs, experience and risk. We’ll show you how different gearing levels affect your feasibility.

Can you help with both residential and commercial developments?

Yes. We work on townhouse projects, residential unit developments and suitable commercial or mixed-use projects, subject to lender appetite and project details.

How important is my development experience?

Experience is one factor lenders consider, alongside project quality, builder capability, feasibility and security. For newer developers, we’ll discuss how to position your team and structure to give lenders confidence.

How long does Property Development Finance usually take to arrange?

Timeframes vary by lender and complexity. We’ll give you realistic expectations upfront and encourage you to start the finance process well before key contract or settlement dates.

Ready to Talk Property Development Finance with Loanworx?

If you’re working on a feasibility, have a site under option or are ready to move on your next project, now is the ideal time to plan your Property Development Finance.

Call us on 1300 562 696 and one of our brokers will be in touch to discuss your development and next steps.

Here to support you on your financial journey.

Talk to Us

Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.