Development Finance

Property Development & Construction Finance Melbourne

Residential and commercial development loans, land subdivision, and bridging finance for Melbourne developers. Progress-draw facilities structured for your project.

Get a QuoteWhatsApp
Development Finance Facts
  • LVR to 75% of cost or GRV
  • Residential & commercial projects
  • Land subdivision finance
  • Bridging & mezzanine available
  • Progress draw-down structure
  • ACL 389328 | MFAA Member

Development Finance Solutions

From 2-lot subdivisions to multi-storey commercial projects — we access lenders with genuine development appetite.

Residential Development Loans

Finance townhouse projects, multi-lot subdivisions, unit blocks, and apartment developments. Progress draws at each construction milestone.

  • LVR to 70–75% of GRV or cost
  • Progress draw-down structure
  • Presales may be required by some lenders
  • Experienced developer preferred

Commercial Development Loans

Fund the development of commercial, mixed-use, industrial, and retail projects with construction finance structured for commercial outcomes.

  • Office, retail, industrial & mixed-use
  • LVR typically 60–70% of GRV
  • Pre-commitments (leases) may reduce equity req.
  • Flexible term to match project timeline

Land Subdivision Finance

Finance the subdivision of land into titled lots. From 2-lot subdivisions to large residential estates, we access lenders with the right appetite.

  • 2-lot splits to large land releases
  • Drawdown against titled lots
  • Construction phase add-on available
  • Regional and metropolitan Victoria

Bridging & Mezzanine Finance

Short-term bridging loans and mezzanine funding to bridge equity gaps, fund acquisitions, or extend existing facilities during the development cycle.

  • Bridge to construction or end buyer finance
  • Mezzanine to reduce senior equity requirement
  • Short terms — 3 to 24 months
  • Fast settlement for time-critical deals

Why Choose Freedom Financing for Development?

Specialist Lender Access

We access banks, non-banks, and private lenders with genuine construction and development appetites.

Feasibility Review Support

We review your development feasibility numbers before applying to ensure your project stacks up with lenders.

Progress Draw Management

We help manage the draw-down schedule to align with your builder progress claims and keep funds flowing.

ACL 389328 | MFAA Member

Licensed and accredited. Fully compliant credit assistance for development finance across Melbourne and Victoria.

Development Finance FAQs

A construction loan is a short-term facility that funds the building of a property in stages (progress draws) as construction milestones are reached, rather than releasing the full loan amount upfront. Interest is typically charged only on the drawn balance during construction.

Development lending is typically based on the Loan to Cost (LTC) or Loan to Residual (LTR / GRV) — generally 65–75% depending on the project type, location, developer experience, and lender policy. Presales and pre-leasing can improve your LVR.

Many lenders require presales (signed contracts) covering a percentage of the loan before funding. Requirements vary — some specialist lenders fund without presales for experienced developers with strong equity and well-located projects.

Major banks typically require a proven track record. Non-bank and private lenders may be more flexible for developers on their first or second project, particularly with strong equity, a reputable builder, and a simple project type.

Mezzanine finance sits behind the senior (first mortgage) construction loan and fills the gap between the senior lender's maximum LVR and your equity. It enables you to proceed with less equity, but at a higher blended interest cost. It is a tool for experienced developers with strong feasibilities.

Ready to Fund Your Next Development?

Speak with Jorden Harris about your project and let us find the right development finance solution.

Get a Quote0423 216 340 WhatsApp

All lending is subject to assessment and approval by the lender. Fees, charges, and terms apply. Freedom Financing Pty Ltd — ACL 389328 — MFAA Member.