Development Finance
Tailored funding for residential, commercial, and mixed use developments – big or small
Good finance is good for business
When you’re building from the ground up, having the right finance structure is just as critical as the foundation you pour. Development finance is purpose-built to support construction and land development projects, offering staged funding solutions that align with your project’s timeline. Whether you’re an experienced developer or looking to fund your first project, UFinancial can provide expert advice and customised lending to get your development moving.
What Is development finance?
Development finance is a specialised type of funding used to support the construction or major refurbishment of residential, commercial, or mixed-use properties. Unlike traditional property loans, development finance is typically released in stages—known as drawdowns—as the project progresses through key construction milestones.
When to use development finance
Development finance can be used for a range of projects, including:
- Townhouse and apartment construction
- Land subdivisions and civil works
- Duplex or dual occupancy builds
- Mixed-use developments
- Commercial buildings and warehouses
- Renovation and refurbishment projects
Key features of development finance
- Staged drawdowns aligned with project milestones
- Interest-only during construction, with capitalised interest available
- Flexible LVRs depending on project type and risk
- Pre-sales or equity contributions may be required
- Loan terms structured to match project timeline and exit strategy
Things to consider
- Lenders may require a certain percentage of pre-sales before approval
- A strong development team (builder, architect, project manager) strengthens your application
- The exit strategy (sale or refinance) is key to lender confidence
- Funding options vary greatly depending on your equity position and project feasibility
The development finance process
- Initial Consultation
Understand your project scope, budget, and goals - Pre-Assessment
We'll help position your application for lender approval - Funding Strategy
Choose from traditional, private, or mezzanine options - Approval & Documentation
Secure your finance and prepare for settlement - Drawdowns During Construction
Funds released as your project hits key stages - Project Completion or Exit
Repay the loan via sale, refinance, or retained asset
Latest news
Melbourne is not rebounding — it is repricing, and buyers should pay attention
Melbourne is not staging a broad rebound. The market is splitting between affordable stock and struggling premium homes, creating a more selective environment for buyers and investors...
Meet Andrew Westblade, UFinancial’s Commercial and Asset Finance broker
But don't just take it from us.
Hear from a few of the 1000's of Aussies we've helped!
They took the time to understand our needs and guided us in selecting and applying for the most suitable loan for our situation. What really stood out was how they continued to support us right through to settlement, smoothing out any hurdles along the way and making the whole experience seamless and stress-free.
We felt genuinely well looked after at every step. Highly recommend UFinancial — and Daniel in particular — to anyone looking for a knowledgeable, professional, and reliable mortgage broker in Melbourne.
From day one, Stacey was absolutely unbelievable. She went so far above and beyond it still blows me away, even working through the Christmas break to make sure everything lined up perfectly so i could secure my home. Her expertise is next level. The strategies and advice she gave us when putting our offer together were the difference. Even the real estate agent said it’s the reason we got the house.
Stacey made the entire process feel clear, manageable, and actually exciting. There was never a moment where i felt unsure or unsupported.
And it’s not just Stacey, the entire UFinancial team is incredible. Everything was handled seamlessly behind the scenes, set up perfectly, and anytime i had a question, they were instantly there. You’re never left wondering or chasing anything. You genuinely feel like they care just as much as you do, which is rare.
The level of service, communication, and genuine care is something you just don’t come across often. Nothing was ever too hard, no question too small, they were all in, every step of the way.
I am beyond grateful and cannot recommend Stacey and the UFinancial team highly enough. If you want the absolute best chance of securing your home, with a team that genuinely has your back, this is it.
As a single mum, navigating a big financial decision like this on your own can feel really daunting but Stacey made it completely stress-free. Every step was clearly explained, nothing felt overwhelming, and she was always easy to reach whenever I had questions.
If you're looking for a broker who genuinely goes above and beyond, she's your person.
I would highly recommend her to anyone looking for a mortgage broker!
They took the time to clearly explain everything, compare lenders, and find a solution that genuinely suited our financial situation. The entire process felt smooth and well-managed, and they kept us informed at every stage.
Thanks to their expertise, we were able to refinance successfully and consolidate our debts into a much more manageable structure. Their responsiveness, patience, and commitment to achieving the best possible outcome truly stood out.
I highly recommend their services to anyone looking for an honest, reliable, and highly skilled mortgage broker
Stacey didn’t just organise our finance; she supported us with everything surrounding the purchase. She guided us through dealing with conveyancers, coordinated with real estate agents, and made sure every detail was covered. Her dedication, professionalism, and genuine care for her clients truly set her apart.
If you’re looking for someone reliable, knowledgeable, and invested in helping you achieve the best outcome, we couldn’t recommend Stacey highly enough. She made the entire journey feel easy, and we’re extremely grateful for all her hard work.
Would definitely use them again. 😊
Extremely helpful and professional.
Outstanding communication with Gold Star Customer service!!
The whole experience with Ufinancial made the process a very special moment.
Thank you
Wonderful to work with.
Amazing commitment to get a desired result
Would never use any other company when looking for finance








