Development Finance & Construction Loans
Smart Search offers a range of tailored financing solutions for commercial property development and construction projects. Whether you're developing a new commercial property, building a retail space, or expanding an industrial complex, we can help you secure the funding you need. Our expert brokers have access to a broad network of lenders, including major banks, private lenders, and alternative finance providers, ensuring that your project gets the support it requires.
With a network of 100 plus lenders including the major banks we have a variety of commercial loan solutions that will suit any borrower looking for commercial property loans, business loans or car leasing or equipment finance solutions.
Key Features of Development Finance & Construction Loans
- Loan amounts from $500K to $50M+
- Flexible loan terms tailored to your project's timeline
- Available for land acquisition, construction, and development phases
- High Loan-to-Value Ratios (LVR) up to 80-90% depending on the project
- Interest-only repayments during the construction phase
- Fast approvals and minimal documentation for low doc loans
- Flexible funding solutions for mixed-use, commercial, and industrial projects
Who Is Eligible?
- Developers and builders working on commercial property projects
- Property investors looking to fund large-scale commercial developments
- Small and medium-sized enterprises (SMEs) planning to develop their own commercial premises
- Corporations, trusts, and SMSFs investing in development projects
Types of Development Finance and Construction Loans
- Land acquisition loans for property developers
- Construction loans for commercial, retail, and industrial developments
- Renovation and refurbishment loans for commercial properties
- Pre-sales funding to cover the cost of construction before sales are secured
- Mixed-use development loans covering both residential and commercial spaces
Low Doc Development Loans
If you're a developer or builder who is self-employed or has limited documentation, low doc loans provide a quicker and easier solution for securing funding. These loans require minimal paperwork and can be approved much faster than traditional financing methods.
- Available for self-employed developers and builders
- Minimal documentation required, such as asset statements and a brief project proposal
- Faster loan approval process compared to traditional construction loans
- Loan-to-Value Ratio (LVR) typically up to 70-75%
Private Lending for Development Finance
Private lending is an excellent option for developers who need fast, flexible funding but may not meet the strict requirements of traditional lenders. Private lenders provide loans based on the value of the property and the projected profits of the development, often with fewer documentation requirements and quicker processing times.
- Available for developers needing immediate capital
- Quick approval times, sometimes as fast as 48 hours
- Flexible loan terms and repayment schedules
- No need for traditional bank approvals or strict eligibility criteria
Your Development Finance Partner
At Smart Search, we understand the complexities of property development. Our team of experts will work with you to find the best development finance and construction loan solutions tailored to your specific project needs. Whether you're developing a single commercial property or a large-scale mixed-use project, we're here to support you every step of the way.
Start Your Development Project Today
If you're ready to begin your next commercial property development or construction project, contact us today. Our brokers will help you navigate the funding process and ensure you secure the right financing options for your goals.
Development Finance - Construction Loans
| Lender | Type | Description | Enquire |
|---|---|---|---|
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ANZ Development & Construction Finance | Offers flexible finance options for construction projects, including land acquisition, development, and building. Provides tailored solutions for residential, commercial, and mixed-use developments. No Low Doc loans available. | Enquire |
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Commonwealth Bank Development Finance | Provides funding for construction and property development projects, including residential, commercial, and mixed-use developments. Offers flexible terms based on the type and scale of the project. | Enquire |
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NAB Construction Loans | Specialist construction loans for residential and commercial projects. Includes finance for both land and construction costs with competitive rates and flexible repayment options. | Enquire |
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Westpac Development Finance | Provides funding for large-scale commercial and residential developments. Offers both fixed and variable rates with options for interest-only repayments during construction phases. | Enquire |
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Bank West Construction Loans | Tailored loans for property developers and builders, including funding for land acquisition, construction, and post-construction phases. Available for both residential and commercial projects. | Enquire |
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St George Development Finance | Specialist development finance solutions for residential, commercial, and mixed-use developments. Provides access to funding for both small and large-scale projects with competitive loan terms. | Enquire |
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Suncorp Construction Loans | Provides financing for residential and commercial construction projects, offering flexible terms and the option to release progress payments as construction milestones are met. | Enquire |
| PRIVATE LENDING | Development & Construction Finance | Flexible private lending options for construction projects with tailored loan terms. Private lenders provide quick access to funds for short-term development and construction projects, with less stringent requirements compared to traditional lenders. | Enquire |