Apartment Construction Finance
Large-scale residential development finance for apartment projects. Funding from site acquisition through construction to settlement of sold units.
Key Features
5+ Unit Projects
Finance for medium to large apartment developments
Comprehensive Funding
Land, construction, and holding costs covered
Presale Flexibility
Work with various presale thresholds
Interest Capitalisation
No monthly payments during construction
Apartment Construction Finance Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Brisbane Townhouse Development
The Scenario
A developer was undertaking a townhouse project in Brisbane but faced delays with bank pre-sale requirements.
The Challenge
The bank required 50% pre-sales on another project before approving new finance. The developer expected to achieve this within two months.
The Solution
Private development finance was arranged at 60% LVR with capitalised interest, bridging the gap until bank requirements were met.
The Outcome
The project commenced on schedule, pre-sales were achieved, and the developer transitioned to bank finance at a lower rate.
$540K
Facility
60%
LVR
Capitalised
Interest
Regional Victoria Mixed Development
The Scenario
A multi-stage development in Warrnambool comprising 7 townhouses and 15 apartments within a growing residential precinct.
The Challenge
Regional developments often face stricter lending criteria due to perceived market risk and lower pre-sale volumes.
The Solution
An $8.26M facility was structured at 80% LVR against valuation with more than 50% debt coverage through pre-sales across both stages.
The Outcome
The development was fully funded with a 12-month term, allowing completion without refinancing pressure.
$8.26M
Facility
80%
LVR
50%+ cover
Pre-sales
Mezzanine Finance After Builder Insolvency
The Scenario
A Brisbane-based developer's appointed builder went into administration mid-project, threatening the entire development.
The Challenge
Securing a replacement builder and additional funding while managing existing lender relationships and project timelines.
The Solution
Mezzanine funding was arranged drawn simultaneously with senior debt restructuring and execution of a fixed-price contract with the new builder.
The Outcome
The project was completed successfully with the replacement builder, protecting the developer's equity and investor returns.
Mezzanine
Structure
Completed
Outcome
Protected
Equity
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”
Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
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Start ApplicationFinancing Larger Residential Developments
Apartment construction requires substantial capital and specialist finance structured around development milestones. Our apartment finance covers projects from boutique 5-10 unit buildings through to larger multi-storey developments.
We work with lenders who understand apartment development including pre-construction requirements, progressive funding, quantity surveyor processes, and settlement coordination.
Structured for Development Success
Apartment finance is typically structured with land acquisition funding, construction contingencies, interest reserves, and professional fee allowances. This ensures adequate funding through the project lifecycle.
Presale requirements vary by lender and project risk profile. Some lenders require 100% debt cover from presales, while others offer more flexibility for quality developers and locations.
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Frequently Asked Questions
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