Property Development Finance

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Property Development Finance provides funding for residential or commercial construction projects, from small townhouse builds to larger subdivisions and multi-unit sites. At Open Doors Finance – Independent Mortgage Broker, we help you understand lending structures, outline lender requirements and guide you through the process with clarity.

Development lending is more complex than standard home or investment loans. Our role is to help you navigate lender criteria, feasibility requirements and documentation needs so you can progress your project with confidence.

What Is Property Development Finance?

Property development finance is a specialised form of lending designed to fund construction or subdivision projects.

Depending on lender policy, it can support:

Each lender has specific requirements regarding feasibility studies, pre-sales, valuations and equity contributions.

We outline these expectations clearly.

How We Help with Development Finance

Reviewing Your Project

We begin by understanding the project scope, location, planning status, timeline and financial structure.

Outlining Suitable Lending Pathways

We explain which funding types may apply to your project and what lenders typically look for.

Assessing Lender Requirements

We help ensure you understand each requirement before proceeding.

Preparing Documentation

We help organise the key documents lenders request,

Supporting You Through Approval & Settlement

We liaise with lenders, provide updates and guide you through the settlement and drawdown process.

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Key Considerations Before Applying

Property development finance requires consideration of factors such as:

Loan-to-value ratio (LVR) limits

Equity contribution requirements

Pre-sale targets (if relevant)

Construction risk and contingency planning

Builder qualifications and fixed-price contracts

Valuation and quantity surveyor reports

Timeframes for approval, settlement and final drawdown

We help you understand the full lending picture before moving forward.
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Why Choose Open Doors Finance for Development Loans

We provide professional, structured guidance throughout your development finance journey.

Lending Partners

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Types of Property Development Finance

Residential Construction Loans (Small Developments)

Used for duplexes, dual occupancies and small townhouse projects.

Commercial Development Loans

For larger residential, commercial or mixed-use developments.

Land Subdivision Finance

Covers civil works, infrastructure and staged release subdivisions.

Senior Debt Finance

Primary loan secured against the development site.

Primary loan secured against the development site.

Secondary funding that may assist with equity contributions.
(We explain this structure without offering investment advice.)

Joint-Venture or Non-Bank Funding

Offered for projects that fall outside traditional lending criteria.

We provide clear, practical explanations of each type, including typical documentation required.

Start Your Development with Clarity

Whether you’re planning a small residential project or a multi-stage development, Open Doors Finance provides structured guidance to help you understand your finance pathways.

Frequently Asked Questions