Residual Stock Loans
Release capital tied up in completed developments while you sell remaining stock. Our residual stock loans provide breathing room when settlements take longer than expected.
Key Features
Up to 75% LVR
Finance against completed unsold stock value
Flexible Terms
6 to 24 month terms to match your sales timeline
Release Capital
Free up funds for your next project
Fast Turnaround
Quick approvals from specialist lenders
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationWhen Construction Finishes But Sales Continue
Residual stock loans bridge the gap between construction completion and final sales. When your development is finished but units remain unsold, this finance releases equity to repay construction debt or fund new projects.
Unlike construction loans that require progressive drawdowns and ongoing monitoring, residual stock loans are secured against completed, tenantable assets with clear market values.
Ideal for Property Developers
This product suits developers with completed apartments, townhouses, or house-and-land packages that need more time to sell. Rather than accepting fire-sale prices, residual stock finance gives you runway to achieve better outcomes.
We work with specialist lenders who understand development cycles and can move quickly to refinance construction debt into more appropriate residual stock facilities.
Discuss Your Residual Stock Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Important — Private Lending Risk Disclosure
Private lending and short-term secured finance involves risks that differ from standard bank lending. Please read this notice carefully before proceeding.
Fees: Brokerage fees become payable upon your signing of the letter of offer. At our discretion, we may allow deferral of payment until settlement — but this does not waive or reduce the obligation to pay. Commitment fees, valuation fees, legal fees, and other costs may be incurred from engagement and are payable regardless of whether the facility proceeds to settlement.
Security interests: Lenders will register a mortgage or caveat over the secured property as a condition of approval. Andorra Private, as your broker, may also hold a registered security interest over the property for unpaid broker fees. These interests remain registered until the loan is settled or all outstanding fees are paid.
We strongly recommend you obtain independent legal and financial advice before signing any loan or fee documents.
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.