Residential Development Finance
Funding support for townhouse projects, duplexes, units, apartments, and residential construction projects.
Build With Confidence.
Fund With the Right Structure.
Development finance solutions for property developers, investors, builders, and business owners looking to fund construction, land development, multi-unit projects, or commercial property developments.
Let's TalkProperty projects need finance that understands the full picture.
Development finance is rarely a simple loan request. Every project comes with moving parts — from site value, construction costs, approvals, timelines, feasibility, valuations, and lender requirements to the final sale, refinance, or hold strategy.
At Boutique Finance, we help developers, investors, builders, and business owners explore finance options that are structured around the project, not just the loan amount. Our role is to help you understand what lenders look for, prepare the right information, and move forward with a funding pathway that supports your project from planning through to completion.
What We Can Help Finance
Development finance for different property projects.
Commercial Development Finance
Finance for commercial buildings, mixed-use developments, office spaces, retail spaces, and business-related property projects.
Land Subdivision Finance
Funding options for land subdivision, site preparation, infrastructure works, and staged development projects.
Construction Finance
Finance to support construction costs, builder payments, progress claims, and project completion.
Multi-Unit Development Finance
Funding support for small to medium-density projects, including villas, townhouses, and apartment developments.
Property Investment Development
Finance support for investors looking to develop, improve, or reposition property assets for future value.
Supporting developers, investors, and business owners.
Property Developers
For developers planning residential, commercial, or mixed-use property projects.
Property Investors
For investors looking to develop land, build multiple dwellings, or improve property value.
Landowners
For landowners exploring subdivision, construction, or development opportunities.
Business Owners
For businesses developing commercial premises, warehouses, showrooms, or operational property.
Builders & Construction Businesses
For builders needing project finance, construction funding, or development-related lending support.
What lenders look for before funding a development.
A strong development finance application is built on more than the project idea. Lenders will usually look at the site, feasibility, borrower experience, construction plan, security position, and exit strategy before deciding how much they may be willing to fund. At Boutique Finance, we help you understand these requirements early, prepare the right information, and present your project clearly to suitable lenders.
Project Feasibility
Lenders will review the project cost, expected end value, margins, and overall commercial viability.
Borrower Experience
Your development history, construction background, professional team, and track record may influence lender appetite.
Security & Valuation
Land value, property security, loan-to-value ratio, and end valuation are key parts of the assessment.
Construction Timeline
Lenders may assess permits, builder contracts, progress stages, and expected completion timeframe.
Pre-Sales or Exit Strategy
Depending on the project, lenders may consider pre-sales, refinance options, sale strategy, or long-term hold plans.
FAQs
Frequently Asked Questions
What is development finance?
Development finance is a type of lending used to fund property development projects, including construction, land subdivision, residential developments, commercial developments, and mixed-use projects. It is usually structured around the project cost, end value, borrower profile, and exit strategy.
What types of property projects can be funded?
Development finance may be used for a range of projects, including duplexes, townhouses, apartments, residential subdivisions, commercial buildings, mixed-use developments, and construction projects. The type of funding available will depend on the project, location, feasibility, security position, and lender criteria.
Do I need development approval before applying?
Not always, but having development approval can strengthen your application and give lenders more confidence in the project. Some lenders may consider applications before approval is finalised, depending on the site, project type, borrower experience, and overall development plan.
How much deposit or equity do I need for development finance?
The amount of deposit or equity required will depend on the lender, project cost, land value, end value, borrower experience, and overall risk profile. Development finance is assessed differently from standard home lending, so it is important to review the project numbers clearly before applying.
Are pre-sales required for development finance?
Pre-sales may be required for some development projects, especially larger residential or multi-unit developments. However, requirements can vary between lenders and project types. Some lenders may accept alternative exit strategies depending on the strength of the borrower, project feasibility, and market conditions.
Can first-time developers get development finance?
First-time developers may be able to access development finance, but lender assessment can be more detailed. Lenders may look closely at the project team, builder experience, feasibility, security position, borrower financials, and exit strategy before making a decision.
Customers Testimonial
Our Customers Love and Trust Us
They made our first home loan feel effortless. Clear advice, zero jargon, and a rate we did not think we could get.
As a GP, my income structure is unusual. Boutique knew exactly which lenders to approach — settled weeks ahead of expectations.
Refinanced our commercial property with a structure that freed up real cash flow. Genuine, ongoing partners.
Responsive, honest and genuinely on our side. We have already referred three friends.
We're All Ears!
Schedule an online appointment and let's have a chat about what you need and how we can help.
Book Appointment