Private Mortgage Lender for Property Developers

Developers routinely encounter timing gaps where the right finance is unavailable at the moment it's needed. A site acquisition under time pressure from a motivated vendor. A settlement deadline where a pre-sales condition has not yet been met. Equity locked in a completed project that needs to be recycled into the next acquisition. Working capital needed against property already owned. These are the scenarios where private lending operates, bridging the gap until bank finance or project proceeds become available.

Who This Is For

• •Property developers who need to acquire a site quickly where vendor or settlement timelines are incompatible with standard bank processing
• •Developers requiring bridging finance to complete settlement while longer-term finance is being finalised
• •Developers seeking to release equity from a completed project to fund their next acquisition
• •Companies holding land or completed property needing working capital secured against the portfolio
• •Developers who have been declined by a bank or non-bank lender due to deal timing, entity structure, or complexity
• •Available to Pty Ltd companies and family trusts — not available to individuals borrowing in personal name, or for residential property used as a primary residence

How We Assess Developer Finance

Our assessment centres on the security property and the exit. For site acquisitions, we lend against the current value of the land as security. The exit is typically refinance to a longer-term facility once the developer's bank or non-bank lender completes its process. For equity release from completed projects, we lend against the value of the completed asset. The exit is typically sale or refinance. The deal assessment is asset-led.

Developer entities are assessed for their ability to hold the security and execute the stated exit plan within the loan term. We work with experienced developers and with developers earlier in their track record who have a sound asset and a credible exit. We do not require two years of audited financials or multiple completed projects to make a credit decision.

Submit your scenario with the security property details, the loan amount and purpose, and the proposed exit strategy. Same-day indicative response. Letter of offer within 24 hours of agreed terms. Settlement from 24 to 72 hours for clean deals.

Three Developer Finance Scenarios We Have Recently Helped

A development company identified a DA-approved site in a Sydney metropolitan suburb. The vendor required a 30-day unconditional exchange. The developer's preferred lender needed 60 days to complete its process. We funded the acquisition at 65% of the site's current value on a 9-month term, allowing the developer to secure the site and complete the longer-term finance process without pressure. Loan: $3.4 million.

A family trust held a completed residential project in inner Melbourne, with four completed townhouses awaiting settlement by individual buyers. The trust needed to fund its next land purchase before the townhouse settlements completed. We provided an equity release against the completed stock as security. The trust acquired the next site; buyer settlements discharged the facility within 3 months. Loan: $2.1 million.

A property development Pty Ltd owned two commercial landholdings: one with a current DA and one raw land adjacent to a major road. The company needed working capital to fund holding costs and consultant fees during an extended DA process. We provided a loan secured by the combined value of both properties. The company received DA approval within 8 months and refinanced to a longer-term facility. Loan: $1.8 million.

Speed and Process Advantage

We hold direct credit authority and use in-house valuers whose assessment runs concurrently with underwriting. No external committee. Indicative position the same day you submit a scenario. For developers in time-critical acquisition or settlement situations, this timeline is the difference between securing a site and losing it. Our lending is designed for the moments in a developer's project cycle where bank timelines simply do not fit.

"Developer clients move at a pace that most lenders are not built for, and the opportunities that require speed are often the most compelling ones. We have financed site acquisitions, bridged presale gaps, and recycled equity from completed projects for developers who needed certainty over a timeline that a bank simply could not commit to. When the asset is real and the plan is credible, we can move as fast as the deal requires."

Gino Tabila

Associate Director

Benefits of Using a Private Mortgage Lender for Property Developers

Property development moves at a pace that banks cannot match. A private mortgage lender operates with the speed and flexibility that development-stage finance demands — making decisions on the asset and the project's exit logic rather than on presales requirements or historical serviceability models.

• •Site acquisition settled in 24 to 72 hours — no waiting on bank committee timelines
• •No presales requirement for acquisition-stage finance
• •Equity recycled quickly across multiple projects within a portfolio
• •Assessed on security value and exit strategy, not on development profit margins or presale coverage
• •Short-term terms from 1 to 24 months — matched to development transaction timelines

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