Development Finance
Services

Duplex development is one of Sydney's most popular small-scale development pathways. We structure land acquisition + construction facilities, manage progress payments, and ensure your lending is optimised for either retain-both, sell-one, or sell-both exit strategies. Our CPA and tax expertise means GST, CGT, and margin scheme elections are considered from day one.

Townhouse developments of 3–20+ dwellings require specialist construction lending. We source facilities from development-focused lenders who understand Sydney medium-density projects, manage presale covenants, coordinate QS requirements, and structure the deal for maximum profit retention.

Substantial renovations—heritage restorations, second-storey additions, complete interior reconfigurations—require construction-specific lending with progress payments. We structure renovation loans that consider the after-renovation value, not just current equity, giving you access to more funding.

Whether you're demolishing an existing dwelling to build your dream home or constructing a new investment property, we package demolition, site preparation, and construction into one streamlined facility. Land equity can often be used to fund build costs, reducing cash contributions.

Land subdivision—from Torrens title to community or strata schemes—requires staged finance covering acquisition, DA costs, civil works, infrastructure contributions, and marketing. We structure facilities that align drawdowns with subdivision milestones and lot sell-down timelines.

For developers building apartment complexes, mixed-use buildings, or boarding house developments under SEPP provisions, we source and structure senior debt, mezzanine finance, and preferred equity to maximise leverage while meeting lender pre-sale and equity requirements.

When a development is complete but unsold stock remains, or when you need bridging finance between projects, we source short-term facilities to manage cash flow. Mezzanine finance can also boost your equity contribution for the next project's senior debt facility.

Once your development is complete, the construction facility needs to convert to a long-term investment or residential loan. We manage the transition, ensuring the best ongoing rate and structure for retained stock or owner-occupied properties.