Finance · Australia
Construction & Property Development Finance Australia
Residual stock, land bank, construction and end-debt finance for property developers across Australia.
Quick answer
Construction and development finance funds the land + build of residential or commercial property projects. OzyLoans structures senior debt up to 70% TDC and mezzanine to 85% TDC across banks, non-banks and private capital, with progress-payment drawdowns and end-debt take-out planned at term sheet.
Why Construction & Development Finance with OzyLoans
- Senior to 70% TDC, mezz to 85% TDC
- Land bank & residual stock
- Progress-payment drawdowns
- End-debt take-out arranged
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
What is the maximum LVR for construction finance?+
Senior debt is typically capped at 65–70% of Total Development Cost (TDC) or 75–80% of Gross Realisation Value (GRV). Mezzanine debt can stretch the total stack to 85% TDC for experienced developers.
Do you fund first-time developers?+
Yes — first-time developer deals are funded by non-bank and private credit lenders with strong builder, deposit and pre-sales support.
How are progress payments handled?+
Drawdowns are released against quantity surveyor (QS) progress claims, typically monthly. The QS certifies works in place; the lender funds the next stage.
What is residual stock finance?+
It's a loan secured against completed-but-unsold units in a finished development — used to repay senior construction debt while the developer sells down stock at the right price.
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Ready to explore construction & development finance?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.