Property Development Loans Australia – Finance for Residential and Commercial Projects
⚡Structured funding for small-to-large developments, supporting land acquisition, construction, and project delivery
Suitable For
✓ Developers undertaking residential, commercial, or mixed-use projects
✓ Borrowers needing funding for land acquisition and construction
✓ Clients building multiple dwellings, duplexes, townhouses, or small-scale apartments
✓ Experienced or emerging developers seeking tailored finance structures
Loan Purpose
✓ Fund land purchase and development of residential or commercial projects
✓ Support subdivision, multi-dwelling builds, or mixed-use developments
✓ Provide staged construction finance matched to project milestones
✓ Enable developers to progress projects without tying up excess capital
Loan Structure
✓ Options include senior debt, mezzanine finance, and residual stock loans
✓ Staged drawdowns aligned with construction phases
✓ LVR and LTC determined by feasibility, pre-sales, and project risk
✓ Interest-only repayments common during construction
✓ Flexible exit strategies, including sale of units or refinance upon completion
Success Story
Townhouse Development in Brisbane
A small-scale developer secured funding for a four-townhouse project. Staged construction payments aligned with the builder’s schedule, allowing the project to proceed without impacting personal cash flow.
Dual-Occupancy Build in Sydney
An emerging developer financed a duplex with an 80% LTC facility. Interest-only repayments maintained liquidity until both dwellings were sold.
Mixed-Use Project in Melbourne
A developer acquired a corner block and financed a mixed-use build with commercial space below and apartments above. A tailored structure combining senior debt and mezzanine finance enabled them to move forward despite limited initial equity.
Advantages
HIGHER LEVERAGE
Access finance structures with stronger LVR and LTC options for qualified projects.
STAGED DRAWDOWNS
Funding aligned with construction milestones to maintain liquidity.
FLEXIBLE STRUCTURE
Choose from senior debt, mezzanine finance, and residual stock options.
CLEAR EXIT
Support for structured exit strategies through sales or refinance on completion.
FAQ
Contact QLoans.au for the latest policies, rates, and industry updates.
What can a property development loan be used for?
It can fund land acquisition, construction, subdivision, and multi-dwelling or commercial developments.
How much can I borrow?
Loan-to-Value Ratio (LVR) and Loan-to-Cost Ratio (LTC) vary by lender and depend on feasibility, pre-sales, and your development experience.
Do I need pre-sales?
Many lenders require a level of pre-sales as risk mitigation, though some allow low or no pre-sales for strong projects.
How are repayments structured?
Most development loans offer interest-only repayments during the build, supporting cash flow while the project progresses.
What is the exit strategy?
A development loan typically concludes through the sale of completed dwellings or by refinancing to a long-term hold loan.
What makes QLoans.au different from going directly to a bank?
A conversation with QLoans.au can uncover loan solutions that one lender alone might not offer. Our expert brokers compare competitive options across banks, non-banks, and specialist lenders, keeping you informed on current policies. From pre-assessment to post-settlement, we provide guidance to streamline the entire process and maximise your options.
Pre-qualify for a loan
Check your estimated loan range and compare three rates tailored to your borrowing position.
If a loan isn’t suitable right now, we’ll help you get ready for when it is.
✓ Connect with a broker, not an AI assistant
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