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
Residual Stock Loans 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 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.
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Frequently Asked Questions
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