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Development & construction finance
Funded by someone who has stood on his own sites at progress-payment time.
Site acquisition through to completion, bank, non-bank and private credit pathways for developers who need capital that matches construction reality rather than a credit policy written for something else.
Non-bank and private pathways where speed or gearing matters. Subject to lender criteria, sponsor profile and valuation.
30 minutes with Priyank, at no cost. We review your position and discuss how we will approach funding your deal. No lender sees anything until you say so.
Who this is for
Property developers and builders, from first project to multi-stage, assessed by an adviser who develops on his own account.
The numbers
- No presales, case by case
- Up to 80% of total development cost
- Bank, non-bank and private credit pathways
Subject to lender criteria, sponsor profile, feasibility and valuation.
What happens next
30 minutes with Priyank, at no cost. We review your position and discuss how we will approach funding your deal. No lender sees anything until you say so. Accept our quote, and your Action Plan follows in one business day.
Start your Action Plan →Where these deals die
Development finance dies in the gap between the feasibility and the credit paper.
Presale hurdles you cannot meet yet. Gross realisation assumptions the valuer will not share. Equity still locked in the last project. A twelve-week settlement against a sixteen-week approval.
The deal is rarely wrong. The pathway is.
The feasibility and the credit submission are two different documents, and most developers only build one of them. Ours are built on named inputs, Cotality comparable sales, ABS demographics and SQM Research market depth, because a credit committee funds evidence, not optimism. A feasibility persuades you. A credit paper persuades a committee that has never seen your site, does not know your builder, and is looking for a reason to stop reading.
We have written both. One of them from the assessor’s side of the desk.
What most people do
What developers do when bank policy stops short of the project.
Chase presales you don’t need
Discounted stock sold early to satisfy a policy hurdle can cost more in margin than the cheaper debt saves in interest.
Take the first non-bank quote
Non-bank and private credit is the right answer often. Taking the first one you find is rarely the right version of it.
Put more equity in
Which solves this project and constrains the next two.
Shrink the project
Sometimes correct. Usually it is the funding structure that shrank, not the opportunity.
Each of those changes the project to suit the funding. The alternative is changing the funding to suit the project.
Before you commit
Agree on what a real answer has to do.
Change what the lender sees
The structure and the security, not just the letterhead on the application.
Look at everything you hold, at once
This should not be structured in isolation from the facilities you already carry.
Tell you the truth before you spend money
Including when the answer is that you should not proceed.
Put its own money behind the answer
Anyone will promise you an outcome. Fewer will refund one.
A broker who cannot do all four is an interest-rate comparison with a phone number.
What we actually are
Not an interest-rate broker. A structuring firm.
We look at the whole position, not one loan. We work every lever a lender moves. And we do it with you, as one team, toward the goal you came in with.
The developer’s chair
Ten-plus completed projects. His own capital, his own lessons.
Typical bank pathway
Engineered stack
Total development cost, funded two ways. Every percentage point that moves out of the equity layer is cash that stays in your next site. Illustrative proportions. The stack achieved depends on the project, the sponsor and lender criteria.
Townhouse developments, subdivisions, rooming houses and co-living accommodation. Priyank is still building and still borrowing to do it, which means he encounters a policy change in the same week you would, not a year later.
He has also run an architectural visualisation studio whose clients were developers, architects, builders and agents across four continents. He knows how a builder prices, where a programme slips, and what an architect can and cannot change once drawings are lodged.
What we can look at before finance
- Feasibility review or build, stress-tested against real construction costs
- Contingency and holding costs through a delay scenario
- Exit assumptions in a softer market
- Entity and structure strategy for the project
- Capital strategy: equity, senior debt, mezzanine (a second layer of funding behind the main loan) and JV options mapped
Clients
Projects funded.
“Refinancing our home to release equity for a land purchase and then securing a separate construction loan… Priyank’s deep understanding of not just finance but the full financial picture was the key. He structured the three-part loan flawlessly.”
Haytal MakadiaConsultant pharmacist · equity release, land and construction“He has helped us with the Financial Feasibility of a few Property Development projects in the Past. He has also helped get us funding for a couple of property development projects.”
Aneel KhowajaDirector, Think Higher · Property developer & investor“Our land came back about $26,000 short across three separate lender valuers, which threatened the whole loan. Most brokers would have accepted it. Priyank didn’t.”
Ami GandhiLand and buildWho it’s for
This is not for everyone. Deliberately.
We’re a fit if
- Site acquisition, construction and completion funding
- Townhouse developments, subdivisions, dual occupancy and co-living
- Projects seeking funding without presales
- Developers who need non-bank or private credit speed
- Mid-project rescues where the existing pathway has failed
- Completion restructures and residual stock takeouts
We’re not, and we’ll tell you in the first call
- First-time developers with no site, no feasibility and no team
- Projects where the feasibility does not survive a contingency scenario
- Sponsors in arrears or default
- Anyone who will not share the full project financials
Turning away the wrong deal is how we stay fast on the right ones.
Straight answers
Fair questions.
Can I get development finance without presales?
Yes, case by case. Major banks will consider it for the right sponsor with the right project, and non-bank and private credit pathways are built for it. The trade-off is usually cost against speed and gearing, and we set that out explicitly so you are choosing rather than accepting.
How much of the development cost can be funded?
Up to 80% of total development cost through non-bank pathways. Bank pathways typically sit lower but price sharper. Subject to lender criteria, sponsor profile, feasibility and valuation.
What is the difference between a construction loan and development finance?
A construction loan generally funds a build on land you already own, drawn progressively against completed stages. Development finance funds the whole project, site acquisition, construction, holding costs and often the exit, and is assessed against the project’s feasibility rather than only your personal position.
The valuation came in under my contract price. What now?
Do not accept it as final. We arrange separate valuations and challenge lender figures. One of our clients had a $26,000 shortfall across three separate lender valuers corrected this way. It is not always winnable, but accepting the first number without testing it is a choice, not a rule.
Do you fund dual occupancy and small subdivisions?
Yes, and they are frequently the deals that fall between residential and commercial policy, too complex for a home loan, too small for a development desk. That gap is where much of our work sits.
Can you help before I buy the site?
That is the right time to talk. Feasibility, structure and capital strategy set before acquisition are worth far more than finance arranged after it.
Can you fund rooming house construction?
Yes: Class 1B rooming houses and co-living projects, Australia wide, at up to 80% of construction cost or 70% of the as-if-complete value excluding GST, whichever is the lower, through a progressive-draw facility with a lender on our panel, from September 2026, subject to valuation and the lender’s servicing criteria. Rooming houses have their own page because licensing, front setbacks and the land tax exemption decide the project before the finance does: see rooming house finance.
Next step
Bring the feasibility. We’ll build the pathway.
The time to call is before you buy the site.
New to how we run a file? The six steps, start to settlement →
30 minutes with Priyank, at no cost. We review your position and discuss how we will approach funding your deal. No lender sees anything until you say so.
Related guide. Comparing funders? Our guide compares bank, non-bank and private credit on LVR, speed and pricing.
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