Finance residential, industrial and commercial developments from site acquisition and approvals through construction, completion and exit.
A developer needed funding certainty before site works could begin. We presented the cost plan and exit strategy to a construction lender, securing the staged facility in time for the builder to mobilise.
Start with leverage, equity and cost-to-complete before comparing lender pricing. These are the constraints that usually determine whether a project can be funded safely.
Understand which leverage constraint sets the senior development facility.
Model land equity, cash contribution, contingency and any funding gap before construction starts.
Construction funds are progressively released against verified works and the remaining project budget.
The lender is underwriting completion and repayment of the entire project, not simply taking a mortgage over the site.
Use the linked question-led guides to understand the transaction before approaching lenders.
We organise the information, test lender fit and keep the process moving.
Land, build costs, consultants, contingency, finance, sales and exit.
Establish likely leverage, valuation, equity and presale requirements.
Compare additional equity, private, mezzanine or second-mortgage capital where appropriate.
Coordinate valuation, QS, builder, legal conditions and staged construction funding.
There is no universal percentage. It depends on land equity, total cost, GRV, experience, project type, presales and lender.
Many development facilities allow approved interest to be capitalised within the facility, subject to leverage and cost-to-complete.
Potentially, with a credible project, experienced builder and advisers, appropriate equity and a conservative exit.
No. Selected lenders fund appropriate projects without presales, usually with different leverage, pricing or sponsor requirements.
Send the site, project type, current debt, total development cost, expected GRV, equity position and timing. GPS Finance can test the funding structure and likely lender fit before you choose whether to proceed.