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What we understood
Construction & Development Finance requirement — development purpose secured by development site property.
- Finance type
- Construction & Development Finance
- Amount
- Not stated
- Purpose
- development
- Location
- Not stated
- Security
- Development Site
- Borrower
- Not stated
- Timing
- Not stated
- Documentation
- Not stated
- Indicative LVR
- Not stated
Possible funding pathways
OZY-assistedIndicative pathways for human review — not lender recommendations.
Bank / Non-bank / Private credit
Development / Construction Finance
Strong potentialLand and build funding with progress drawdowns, sized against total development cost and end value.
Bank / Non-bank / Private credit
Development / Construction Finance
Key considerations
- Senior debt is commonly capped against TDC or GRV, whichever is lower
- Pre-sales, builder strength and experience shape appetite
- End-debt or sell-down plan is assessed up front
Likely documentation
- Feasibility and cost plan
- DA / permits
- Builder contract and QS report
- Pre-sale contracts (where applicable)
Typical timing
Varies materially by project stage and lender class.
Bank
Major / Bank Commercial Finance
Potential pathwayTerm commercial debt where servicing, documentation and policy fit are demonstrable.
Bank
Major / Bank Commercial Finance
Key considerations
- Full financials and serviceability generally expected
- Typically the lowest-cost long-term debt where policy fits
- Approval timeframes are usually longer than non-bank or private options
Likely documentation
- Two years' financials and tax returns
- Lease schedule or rental evidence
- Asset & liability statement
- Valuation (lender-ordered)
Typical timing
Commonly several weeks from application to settlement, varying by lender and complexity.
Non-bank
Non-Bank Commercial Finance
Worth assessingFlexible servicing and property assessment where bank policy or timing does not fit.
Non-bank
Non-Bank Commercial Finance
Key considerations
- Alt-doc and lease-doc servicing approaches may be considered
- Pricing generally sits above bank debt
- Broader appetite for transitional or complex scenarios
Likely documentation
- BAS or business bank statements
- Accountant's letter (where applicable)
- Rental or lease evidence
- Valuation
Typical timing
Often faster than bank finance; varies by lender and valuation turnaround.
Private credit
Private Commercial Mortgage
Worth assessingSecurity-led, short-term funding where speed or complexity rules out conventional lenders.
Private credit
Private Commercial Mortgage
Key considerations
- Assessment weighted to security value and exit credibility
- Interest may be prepaid or capitalised — model net proceeds, not the headline limit
- Higher all-in cost; suited to executing a defined plan
Likely documentation
- Title and existing mortgage details
- Evidence of the proposed exit
- Valuation
- Statement of position
Typical timing
Can move quickly once valuation and legals are in hand; subject to due diligence.
What may matter
- Land and development sites are commonly geared more conservatively than income-producing property.
Not yet stated: Amount, Location, Borrower, Timing, Documentation, Indicative LVR. Adding these sharpens the pathways — or run a new search.
Relevant OzyLoans finance guides
Human review
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Our finance team can review your requirements and objectives, consider the available funding pathways and discuss the options that may be worth pursuing.
General information only — this does not take your objectives, financial situation or needs into account and is not a credit assessment or approval. Credit Guide
Pathways are lender classes, not lender recommendations. All finance is subject to lender assessment. OzyLoans may receive commissions from lenders — see our Credit Guide. Credit Guide