Property Development Loans
At Realloans Australia, we understand that property development finance isn’t one-size-fits-all. Whether you’re subdividing land, building townhouses, or launching a multi-unit project in Melbourne or beyond, access to the proper funding can make or break your development.
We specialise in property development loans that are structured around your vision, your timeline, and your financial strategy, not a rigid bank checklist.
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What Are Property Development Loans?
Property development loans are specialised finance products designed for residential, commercial, or mixed-use property construction and subdivision projects.
These loans are typically drawn down in stages (also known as progress payments), aligning with each phase of your construction: land acquisition, site preparation, build stages, and completion.
Unlike traditional home loans, property development finance is tailored to complex projects and requires a deeper understanding of planning, feasibility, risk, and return.
Who Are Property Development Loans For?
We assist a wide range of clients, including:
- First-time developers looking for guidance and access to private funding
- Experienced builders and developers scaling up.
- Investors seeking to maximise land value through subdivision or construction
- Business owners constructing commercial premises or mixed-use spaces.
From boutique townhouse builds to medium-density apartment blocks, our private lenders in Australia fund the full spectrum of development types.
enquire nowWhy Choose Realloans Australia for Property Development Finance?
We’re not just brokers—we’re development finance specialists who know the ins and outs of funding the real property economy. Here’s how we help:
- Access to Private & Non-Bank Lenders – For projects that banks won’t touch, we offer private construction loans. Our connections help you find the best funding sources with practical lending criteria.
- Tailored Loan Structures – From senior debt to mezzanine funding and joint venture options, we can structure the right finance model for your risk appetite and exit strategy.
- Fast Approvals – Need quick funding to secure a site? We move fast, often getting conditional approval in days.
- Expert Guidance – We speak the language of developers and liaise with your architect, builder, quantity surveyor, and legal team.
From boutique townhouse builds to medium-density apartment blocks, we help fund the full spectrum of development types.
Key Features of Our Property Development Loans
- Loan Amounts: From $500k to $50M+
- Loan-to-Cost (LTC): Up to 80% depending on project risk and stage
- Loan-to-GDV: Up to 65–70% of Gross Development Value
- Interest Rates: Competitive, with interest capitalisation options
- Term: Typically 12–36 months
- Security: Usually land with DA approval or built property for refinancing
Our Funding Options Include:
- Senior Debt – Primary loan secured by first mortgage
- Mezzanine Finance – Secondary funding to top up equity shortfall
- Equity Partnerships / Joint Ventures – For developers with experience but limited cash
- Pre-Development Loans – For land acquisition or early planning work before DA approval
What Types Of Property Development Finance Does Realloans Provide?
We provide commercial property development and construction finance for projects across the residential, commercial, industrial and retail property sectors. This covers a range of project types, including:
Townhouses
Apartment buildings
Industrial complexes & parks
Prestige houses
Completed stock
Land sub-divisions
Site acquisition
NDIS & SDA housing
Commercial buildings
Property Development Loans in Melbourne & Across Australia
We proudly support property developers in Melbourne, Sydney, Brisbane, Adelaide, Perth, and regional hubs across the country.
Melbourne is one of Australia’s most active development markets, and navigating its planning requirements, timelines, and funding expectations requires local insight. That’s where we shine.
Whether you’re financing a townhouse development in the inner suburbs, an apartment project, or a land subdivision in outer Melbourne, we connect you to property development loans Melbourne developers trust.
enquire nowRealloans Australia – Your Development Finance Partner
At Realloans Australia, we don’t just source funding—we build long-term relationships with developers and investors.
We help you:
- Assess feasibility and funding requirements through construction & industrial property loans
- Secure pre-sales (if required by the lender)
- Structure drawdown schedules and interest payments
- Manage valuation, QS, and legal processes.
- Exit the loan with minimal disruption.
Whether you’re just starting or expanding your portfolio, we’re here to make your project viable and profitable.
Ready to Discuss Your Development?
Need funding for land acquisition? Construction is underway, but cash flow is tight. Want to explore mezzanine or JV funding?
Let’s talk strategy and structure—before the banks say no.
Contact Realloans Australia for a confidential discussion Or Request a Free Development Finance Review today.