Property Development Finance · Sydney

Build, Renovate,Develop in Sydney

Specialist development finance for duplex builds, townhouse projects, major renovations and medium-density developments across Sydney Metropolitan area. Loans structured from $250,000 to $10,000,000 by a CPA, Tax Agent and Licensed Broker.

From DA-approved site acquisition to construction drawdowns and sell-down strategy—we structure every stage of your development with accounting, tax, and lending expertise combined.

Discuss Your Project View Development Services

$10M

Maximum facility size

Professional qualifications

Sydney

Metropolitan area focus

What We Finance

Development Finance Solutions

From a single duplex to a 20-unit townhouse project—specialist construction and development lending structured for Sydney builders and developers.

$500K–$3M

Duplex Construction

Finance for knock-down-rebuild duplex projects across Sydney. From DA approval through to construction drawdowns and completion—structured for maximum profitability.

Land + construction combo loans

Progress payment management

Dual occupancy lending specialists

End-value based assessments

$1M–$10M

Townhouse Developments

Multi-dwelling townhouse project finance from 3 to 20+ units. We source construction facilities from specialist development lenders who understand Sydney medium-density projects.

Presale and no-presale pathways

Staged drawdown management

QS and builder approval support

Profit-first structuring

$250K–$2M

Major Renovations

Large-scale renovation and extension finance for substantial property transformations. Ideal for heritage restorations, second-storey additions, and complete interior reconfigurations.

Reno-specific construction loans

After-renovation value lending

Owner-builder pathways

Heritage property specialists

$500K–$5M

Knock-Down Rebuild

Complete demolition and new-build finance packages. One streamlined facility covering demolition, construction, and final fit-out for your dream home or investment build on an existing block.

Single facility demolition-to-completion

Land equity release for build costs

Fixed-price builder contract lending

Owner-occupied and investment

$500K–$5M

Land Subdivision

Finance for subdividing land into multiple lots—from Torrens title subdivision to community or strata schemes across the Sydney Metropolitan area.

DA and subdivision approval stage funding

Civil works and infrastructure finance

Residual lot sell-down strategies

Joint venture structures

$2M–$10M

Medium Density Development

Purpose-built development finance for 7–20+ unit projects including apartment complexes, mixed-use buildings, and boarding house developments under SEPP provisions.

Senior debt + mezzanine structuring

Pre-sale covenant management

Construction facility with QS oversight

Tax-effective entity structuring

The Difference

Why Developers Choose Ding

Development-First Thinking

We don't retrofit residential lending to development projects. Every structure starts with your feasibility, your builder, and your exit strategy.

CPA + Tax Agent + Broker

Development finance touches GST, margin schemes, CGT, and entity structuring. We bring accounting, tax, and lending expertise to every deal.

Up to $10 Million

From a $500K duplex build to a $10M townhouse project—we source and structure facilities across the full spectrum of Sydney development finance.

Sydney Metropolitan Specialists

Deep knowledge of Sydney council requirements, zoning, builder networks, and local lender appetites across the entire metropolitan area.

Your Advisory Team

Quadruple-Qualified
Development Finance

James Chee holds four concurrent professional qualifications—CPA, Registered Tax Agent, Mortgage Broker, and Commercial Finance Broker. For property development, this means your feasibility, tax position, GST obligations, and lending structure are all assessed by one expert who sees the complete picture.

CPA

Certified Practising Accountant

Tax Agent

Registered Tax Agent

Mortgage Broker

Licensed Credit Representative

Commercial Broker

Commercial Finance Specialist

“Development finance isn't just about getting the money—it's about structuring the deal so the numbers work from feasibility to settlement. That's where accounting, tax, and lending expertise all need to come together.”

James Chee

CPA · Tax Agent · Mortgage Broker · Commercial Finance Broker

The Process

From Feasibility to Completion

Project Assessment

We review your site, DA status, builder quotes, and feasibility to understand the full scope of your development.

Financial Structuring

We architect the optimal lending structure across land, construction, GST, and end-value—with tax implications mapped out.

Lender Procurement

Targeted submission to 2–3 development-specialist lenders. Bank, non-bank, and private credit options assessed.

Construction & Settlement

We manage progress drawdowns, QS coordination, and post-completion refinance or sell-down strategy.

Common Questions

Development Finance FAQ

What types of property development does Ding Financial finance?

We specialise in duplex construction, townhouse developments (3–20+ units), major renovations, knock-down rebuilds, land subdivisions, and medium-density projects across the Sydney Metropolitan area. We structure loans from $250,000 to $10,000,000.

Do I need DA approval before applying for development finance?

Not necessarily. We can assist at various stages—pre-DA for site acquisition finance, post-DA for construction facilities, or at completion for refinance. However, most construction lenders require at least a DA-approved project before issuing a construction facility.

How does a construction loan differ from a standard home loan?

Construction loans are drawn down in stages (called progress payments) as building milestones are reached. Interest is only charged on the amount drawn, not the full facility. A Quantity Surveyor (QS) inspects and certifies each stage before funds are released.

Can I get development finance if I am self-employed?

Absolutely. As a CPA and Registered Tax Agent, James Chee understands self-employed income structures intimately. We access alt-doc, low-doc, and private lending pathways specifically suited to business owners undertaking property development.

What does it cost to use a development finance broker?

In most cases, there is no direct cost to you. We are paid a commission by the lender upon settlement. For complex or private lending arrangements, we'll discuss any applicable fees upfront before you commit.

Do you handle GST and tax structuring for developments?

Yes. As a CPA and Registered Tax Agent, James provides guidance on GST obligations, margin scheme elections, CGT implications, and entity structuring (trust, company, personal) to ensure your development is structured tax-efficiently from day one.

Get Started

Discuss Your Development Project

Whether you have DA approval in hand or are still at feasibility stage—start with a confidential conversation. No obligation, no cost.