Development Exit Finance
Bridge the gap between practical completion and final settlements. Development exit finance provides short-term relief when sales take longer than your construction loan allows.
Key Features
Quick Completion
Replace construction debt at practical completion
Short Terms
3 to 12 month facilities for settlement periods
Reduced Pressure
More time to achieve optimal sale prices
Simple Structure
No drawdowns or QS monitoring needed
Development Exit 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 ApplicationWhen Construction Loans Expire
Construction finance is designed to fund the build, not wait for sales. When practical completion arrives but settlements are still pending, you need an exit strategy. Development exit finance replaces the construction loan with a simpler facility designed for the settlement period.
This removes the pressure of construction loan expiry and gives you runway to complete sales on your terms rather than accepting lower prices.
Simpler Than Construction Finance
Unlike construction loans with progressive drawdowns and ongoing monitoring, development exit finance is a straightforward facility secured against completed assets. No more quantity surveyor inspections or variation negotiations.
Interest rates may be lower than construction finance as the development risk is removed. You are simply waiting for settlements to occur.
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Frequently Asked Questions
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