Development Finance
At Trusted Financial Choice (TFC), we know that property development isn’t just about bricks and mortar — it’s about vision, timing, and having the right support behind you. Whether you’re a developer, builder, or investor, getting your development finance right is what turns an idea on paper into a real, tangible success.
Maybe you’re working on a boutique subdivision, a townhouse project, or a mixed-use commercial site. Whatever your scale, having the right financing in place can make all the difference. That’s where we step in — to simplify the process, connect you with the right lenders, and structure your finance solutions around your goals.
Development finance is a short-term form of financing designed to fund land purchases, construction costs, and everything in between. Unlike a standard mortgage, which is based on what a property is worth now, development loans are assessed on what it will be worth when complete — factoring in your project’s feasibility, costs, and projected end value.
Our experienced brokers understand the realities of the finance industry and work with a network of major banks, non-bank lenders, development banks, and private sector funders. We provide development finance solutions that are transparent, flexible, and tailored to your project’s size and scope.
Financing
Securing the right financing is the foundation of every successful development project. Each build comes with its own risks, timelines, and moving parts — so your financing needs to be structured around how you operate, not the other way around.
At TFC, we help you plan your financing from start to finish. We look at your development goals, budget, and equity position to ensure your structure supports strong cash flow and manageable construction costs.
Our brokers coordinate with valuers, quantity surveyors (QS), and key stakeholders to prepare a clear, detailed, and lender-ready submission. We also guide you through the application process, explaining what each lender looks for and how to position your project for approval.
Whether you’re an experienced developer or taking on your first-time build, we’ll make sure your financing keeps your project moving — from feasibility to settlement.
Construction Loans
Construction loans are one of the most common types of development finance, and for good reason. They’re designed to release funds progressively as work is completed — known as drawdowns — and verified by a valuer or QS.
This staged approach helps you manage working capital effectively, giving both developers and lenders peace of mind that funds are being used as planned.
At TFC, we compare construction finance options across major banks, non-bank lenders, and private funders to find a structure that suits your timeline and budget. We
liaise with your builder, review due diligence documentation, and make sure every milestone payment is seamless.
Whether it’s a residential build, townhouse development, or a larger commercial site, our focus is simple — to help you deliver a successful project with the right financial support in place.
Property Development Finance
Every project has its own story, and so does its financing. Property development finance covers both residential and commercial developments — from small multi-unit builds to high-rise and mixed-use complexes.
The main difference between them lies in the scale, complexity, and risk profile. Larger projects often involve higher setup costs, detailed feasibility studies, and more extensive due diligence. Regardless of size, lenders assess each project based on feasibility, end value, and your track record as a developer.
At TFC, we prepare clear, professional submissions that speak the lender’s language — outlining the project’s strengths, timeline, and repayment plan. We ensure your loan proposal demonstrates credibility and confidence, making approval smoother and faster.
What is a Development Loan?
A development loan is different from a standard home loan. It’s short-term, structured around both the acquisition and build phases, and assessed on the end value of the project rather than its current worth.
When assessing a development loan, lenders look at:
- Your experience and track record as a developer
- Your equity contribution and financial stability
- Feasibility reports and construction costs
- Timeline, exit strategy, and overall risk
We specialise in structuring loans that fit your project — not forcing your project to fit the lender. Whether you’re looking to refinance an existing facility, access working capital, or start construction, our finance specialists ensure your development finance supports your goals and keeps your liability under control.
Finance Solutions
At TFC, we believe that no two developments should be financed the same way. That’s why we partner with a wide range of lenders — from traditional banks and development banks to investment companies and non-bank lenders — to deliver competitive solutions that actually work for you.
We can assist with everything from construction finance and mezzanine funding to refinance and tailored development facilities. Our end-to-end approach means we’re with you through every step — from due diligence and application to approval and settlement.
For property developers who want clarity, flexibility, and peace of mind, we’re the trusted finance agency you can rely on.
Equity
Equity plays a crucial role in every development finance deal. Most lenders expect developers to contribute part of the total cost — showing commitment and reducing risk.
Your equity might come from cash, assets, or previous investments, and it’s often complemented by mezzanine or private funding to bridge any shortfall.
At TFC, we review your financial position, outline your options, and help structure your equity and debt mix strategically — so you can capitalise on new opportunities without overextending. Our team understands how public and private funding can work together to achieve your goals.
Why Choose Trusted Financial Choice
At Trusted Financial Choice, we combine professional expertise with a personal touch. We understand the realities of property development — tight deadlines, shifting costs, and the constant pressure to keep everything on track.
Our brokers don’t just talk finance — we live it. With access to mainstream lenders, private funders, and non-bank lenders, we design finance structures that are realistic, flexible, and built for real-world challenges.
We don’t overcomplicate. We don’t oversell. We simply deliver the right development finance at the right time — so you can move forward knowing your project is in safe hands.
Speak with Our Team
If you’re planning a development project and want genuine, practical advice on your financing options, let’s talk.
Our team will review your project’s feasibility, discuss your development goals, and connect you with lenders offering competitive, tailored solutions. Whether you’re looking to commence a new project or refinance an existing one, we’ll help you get there with clarity, structure, and confidence.
Get in touch with our Melbourne office or complete our online enquiry form — and take the first step towards building something extraordinary with Trusted Financial Choice.