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.

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.

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.

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.

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.

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.

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.

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.