Construction Lending and Investment Project Loans

We provide standard owner-occupied construction loans, as well as full assistance to investors, developers and builders requiring construction lending. Examples of including lending to finance a build for dual occupancies, townhouses, multi-unit complexes, and apartment projects.

This market is constantly changing from both bank and non-bank lenders and we have helped many borrowers obtain finance when they have previously been declined by their own bank or inexperienced finance broker (or given the promise of “we’ll look into that for you” run-around for months on end). Specialist guidance is often all that is required to gain a quick approval and to commence building.

Generally, construction of up to 5 units (in personal names) can be considered for retail bank finance. Larger projects require business banking/commercial banking/ non-bank/private investor funding lines. Each project is individually assessed for available options that can be approved.

Fees and charges

Due to the level of professional work involved in construction lending, we generally charge a “success fee” for approved construction project loans and this is often deducted from settlement.  All fees and charges are fully disclosed to our clients once an initial consultation and assessment has been completed for your specific situation (and before you commit to paying anything).

We know you don’t want to have your time wasted and we are not in the business of giving anyone the run around. We only take on clients that we are confident we can get an approval for and their loan settled.

Larger construction projects

For larger construction projects, some pre-sales can be required by lenders but are often not compulsory for investors.  Contact us for up-to-date information as this changes constantly.

Private funders and Mezzanine Finance is also available where required on an individual project basis.

Assistance for finance brokers

We also provide full consultancy assistance to finance brokers who may not have the expertise, construction project loan experience, or contacts to get a full construction loan approved within a reasonable timeframe. In many cases, this is simply a matter of lacking the time or resources required to dedicate to a single client. Finance Consulting Group works in full cooperation with brokers to get the best outcome for all parties.

Income split arrangements are negotiated and can vary according to the work load.  References from happy brokers who have used this service can be provided on request.

Ready to get started? Get in touch with Philip Pay on 0439 400 497 or email to find out how Finance Consulting Group can support your loan application.