Property Development Finance in Australia
Custom Construction Loans - Negotiated by Specialist Brokers
Your Development Finance - Make a Smart Move with VOXFIN
Diverse 40+ Lender Panel
With a strong network of over 40 lenders, we ensure competitive terms for complex, high-value deals.
Full Lifecycle Funding
No matter what the project type you need funds for, we fund every stage of your project.
Bespoke Feasibility Assessments
We evaluate your project based on its unique Gross Realisation Value (GRV), track record, and exit strategy.
Specialist Structuring & Guidance
We structure finance for companies, trusts, and SMSFs, managing the process end-to-end.
VOXFIN is your specialist development finance broker in Australia.
We are Melbourne’s experts in tailored funding for land, construction and residual stock.
Speak with our specialist development finance brokers today to discuss your project needs.
At VOXFIN, we empower developers at every level with efficient, custom funding solutions. We streamline the path to construction with flexible, affordable, and short-term finance options tailored to your project’s unique requirements.
Funding from Acquisition to Completion
- Land & Site Acquisition - Secure the foundation of your project with tailored land development loans.
- Construction & Builds - Access progress-draw facilities for residential and commercial construction phases.
- Renovations & Refurbishments - Competitive short-term loans designed for high-impact building upgrades.
Specialised Project Expertise
With a proven track record in originating high-value deals, we arrange funding across a diverse range of sectors.
- Residential sector - Units, townhouses, and land subdivisions
- Commercial sector - Office spaces, retail hubs, and industrial facilities
- Specialist assets - Childcare centres, medical facilities, hotels, and motels
Development Structured Finance
Structured finance solutions tailored to your project needs.
Property development Funding options
Funding options sourced from our extensive network of development lenders, including major banks and private lenders.
Expert preparation of credit submissions
Expert preparation of credit submissions and management of the funding process on your behalf until settlement.
Streamlined experience facilitated by our brokers
Streamlined experience facilitated by our expert real estate development loan brokers, simplifying interactions with major banks or lenders and navigating complex processes for you.
Fast loan approvals and turnaround
Lower requirement for construction loan pre-sales.
What VOXFIN Funds with Development & Construction Finance
VOXFIN can help you with property development finance and construction finance for -
Land acquisition
Construction sites meant for duplexes, townhouses, apartments, and mixed-use projects
Construction loans
Progress-draw facilities for both residential and commercial builds
Small-to-medium developments
Boutique projects for builders, investors, and SMSFs
Refinance and residual stock
Repay existing facilities and hold completed stock for rental income
We ensure that every project is assessed on the basis of feasibility, experience, presales, and end value, so you’re not trying to fit into a standard bank box.
For Property development finance, you are choosing VOXFIN for:
- Fast approvals
- A full-service loan process
- A no-deal, no-fee guarantee on the development finance
- Solutions for all types of development property finance
- Our clients' high satisfaction ratings made us Australia's best home loan mortgage broker
Why is it More than Just Interest Rate
- Margins vs. Costs - Ensure your project profits justify the higher rates of private lending.
- Timeline Sync - Align your loan term with your build schedule to avoid costly extensions.
- Collateral - Understand the security requirements and asset pledges upfront.
- Exit Strategy - Have a firm plan to repay via property sales or refinancing.
- Lender Track Record - Only partner with lenders proven to fund through to completion.
We Secure the Best Structure for You
We bridge the gap between major banks and private funding, securing the best structure for your project.
Risk Strategy
We identify potential hurdles early and build mitigation plans to protect your interests.
Total Transparency
No surprises. We provide clear, consistent communication from feasibility to the final drawdown.
Expert Advocacy
We don’t just process applications-we negotiate terms that support your project’s success.
Are you still in the early planning/acquisition phase?
Speak to VOXFIN’s development specialist today.
Benefits of Choosing a Specialist Development Loan Broker
Development funding is far different from a standard home or investment loan.
Here is what lenders look at -
- Total project costs, contingency and gross realisation value (GRV)
- Your track record as a developer or builder
- Presales, leases, and how strong your exit strategy is
VOXFIN, as your specialist development loan broker in Australia -
- Works with bank and non-bank construction finance lenders across 40+ partners
- Structures funding for companies, trusts, SMSFs and joint ventures
- Helps you compare funding options, LVRs and covenants – not just the interest rate
- Advocates for your project from initial proposal through to settlement and drawdowns
How VOXFIN Manages Your Development Finance
A detailed projects & feasibility review
We assess your numbers, timeline and structure.
Funding
Strategy
We recommend the right mix of property development finance and construction loans.
Lender selection & Negotiation
We approach suitable lenders, present your deal and negotiate terms.
Approval & drawdowns
We guide valuations, conditions precedent and progress payments until completion.
VOXFIN has been a trusted partner in complex, high-value development deals - not just an application processor.
Want to explore your options?
Frequently Asked Questions (FAQs)
Questions and queries related to Property Development Finance
There are several types of property development finance available, including:
- Senior Debt: The primary loan for the development project, typically covering a significant portion of the costs.
- Mezzanine Finance: A secondary loan that fills the gap between the senior debt and the developer's equity.
- Equity Finance: Funding is provided in exchange for a share of ownership in the project.
- Joint Venture Finance: A partnership where multiple parties invest in the development project.
The amount you can borrow depends on several factors, including the project's size, location, and feasibility, as well as your financial situation and experience. Lenders typically offer loans covering up to 70-80% of the total development cost or gross development value (GDV).
Commonly required documents include:
- Detailed project plan and feasibility study
- Development approvals and permits
- Financial statements and tax returns
- Proof of ownership or purchase agreement for the property
- Builder’s contract and construction cost breakdown
- Market analysis and sales projections
The approval process can vary but typically takes between 4 to 8 weeks. This timeline depends on the complexity of the project, the completeness of your application, and the lender’s due diligence process.
Interest rates for property development finance vary based on the lender, the type of loan, and the risk associated with the project. Rates can range from 10% to 15% per annum. It’s essential to compare different lenders to find the most competitive rate.
Yes, there are several fees that may be associated with property development finance, including:
- Application fees
- Valuation fees
- Legal fees
- Drawdown fees
- Exit fees
Yes, many lenders offer finance solutions that cover both land purchase and construction costs. This is often structured as a combined loan, ensuring you have the necessary funds throughout the development stages.
Loan terms for property development finance typically range from 12 to 36 months, depending on the project's scope and timeline. Some lenders may offer extensions if the project experiences delays.
To improve your chances of securing property development finance:
- Prepare a comprehensive and detailed project plan
- Ensure all approvals and permits are in place
- Demonstrate your experience and track record in property development
- Provide clear financial statements and proof of equity
- Work with a reputable mortgage broker or financial advisor
For personalised guidance and assistance with property development finance, contact our team at 0370652000 to discuss your specific project needs and find the best financing solution.
Yes, through our private lending and non-bank network, we can arrange no-presale construction finance, allowing you to start your build sooner and sell at a premium upon completion.
Absolutely. If you own the land or have seen significant value uplift through a DA (Development Approval), we can use that equity as your ‘skin in the game’, often reducing the need for a cash deposit.
Mezzanine finance acts as a second mortgage to bridge the gap between your senior debt and your own equity, helping you maximise your LVR and take on larger projects with less upfront capital.
Why choose us?
Get a Free Consultation
info@voxfin.com.au
03 70652000|0435 393 623
Expert mortgage brokers for development finance at VOXFIN will simplify your land development and residential development loans.
Exp ert real estate project financing brokers will provide tailored development finance guidance and financing options with the competitive interest rate and risk management fees and charges. You’ll work with the best development loan specialist in Australia. We work hard for you with honesty, transparency and genuineness, ensuring a long-lasting professional relationship built on trust.
