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 70+ lenders, with progress-payment drawdowns and end-debt take-out planned at term sheet.
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.
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 7.69% | 4–8 wks |
| 2nd-tier bank | 7.99% | 3–6 wks |
| Non-bank | 8.49% | 2–3 wks |
| Private credit | 9.99%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
Australian Credit Licence holder, AFCA member.
Most enquiries get a same-day or next-day answer.
Banks, non-banks and private credit on one panel.
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.
Yes — first-time developer deals are funded by non-bank and private credit lenders with strong builder, deposit and pre-sales support.
Drawdowns are released against quantity surveyor (QS) progress claims, typically monthly. The QS certifies works in place; the lender funds the next stage.
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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