Property development requires significant financial planning. Whether you’re building commercial or residential developments, we connect you to the right financing partners to make your project a reality.
Receive funds at each stage of the development process to ensure a smooth flow of capital from start to finish
Minimize your cash outflow with interest-only payments while your project is being developed.
From land purchase to post-construction, we can guide you to loan structures that cover all phases.
When applying for a property development loan, it’s important to understand what lenders genuinely assess behind the scenes. Here are the key elements they carefully review before approving finance.
o Lenders need a clear understanding of your project’s commercial viability. This includes total development costs, projected end value, profit margin, and cash flow forecasts.
A proven track record significantly strengthens your application. If you’ve successfully completed similar projects, be ready to present them with supporting figures and outcomes.
Most lenders require a certain number of pre-sales (for residential projects) or confirmed lease agreements (for commercial developments) before full funding approval. They’ll also want to see a realistic, achievable plan for repaying the loan.
The strength of your security property and a reliable valuation of the end project value play a major role in the loan amount offered.
Lenders typically require you to contribute a percentage of the total project cost (your equity) and will assess your financial position to ensure you can manage any shortfalls or overruns.
Expect to provide up-to-date financials, company structure details, council-approved plans, builder contracts, and development permits. The more complete and organized your documentation, the smoother the process.
