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
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