Construction & Development Finance
Residential and commercial development projects demand sophisticated funding structures. We partner with experienced property developers and first-time builders to source progress-draw construction finance, mezzanine debt, and private lending.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
High Loan-to-Cost (LTC) Facilities
Borrow up to 80-85% of total project costs, minimizing your upfront equity requirement.
Progress Draw Management
Smooth, timely lender inspection valuations and drawdown approvals to keep contractors on schedule.
Flexible Pre-Sale Requirements
Access non-bank and private funding options with low or zero pre-sale qualifying hurdles.
Interest Capitalization
Capitalize interest into the construction facility so you have zero cash outflows during the build phase.
Calculate Your Development Finance Numbers
Test scenarios using real-time Australian lending criteria.
The Development Finance Approval Process
Feasibility & DA Review
We evaluate development approval (DA), construction budget, and gross realization value.
Lender Tender & Terms
We pitch your development to major banks, second-tier institutions, and private lenders.
QS Valuation & Offer
We coordinate Quantity Surveyor (QS) reports and negotiate credit terms.
Progress Claims to Completion
We manage stage drawdown claims through to final Occupation Certificate (OC).
Development Finance Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.