Private Credit Loans

Construction Finance — Without Presales

Most bank construction lending requires meaningful presale cover before a single brick is laid. For some projects — small-scale, prime-location, build-to-hold, or simply the wrong moment in the cycle to be discounting off-the-plan — that requirement makes the project undeliverable. We arrange construction finance without presales.

Who this is for

How we structure construction loans

Loan sizeFrom $250,000 upward
Term3 to 36 months — extendable on application, longer terms case-by-case depending on project lifecycle
LVRUp to 75% LVR gross — subject to transaction type, security profile and exit strategy
Presale requirementNone
BorrowerPty Ltd SPV preferred; corporate trustee acceptable
SecurityRegistered first mortgage over the site + GSA + builder’s tripartite
DrawdownProgressive against QS-certified claims
Settlement2–4 weeks for first drawdown on a clean file
PricingSet by the panel lender on each deal
Sydney CBD towers looking up against blue sky — commercial property

What we need to package the deal

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