Development Finance & Residual Stock

We’re here to support you and your development finance needs.

We believe Property Developers are driving Australia forward.

The positive impact of smart commercial, residential and industrial property development in Australia is felt far and wide, but not if the developments are held back by unrealistic development finance requirements.

Whether you’re a first-timer or an experienced property developer looking to fund your next venture, we have property development lending solutions that don’t require pre-sales or lengthy application processes. You can have up to 100% of construction costs funded with previous credit issues considered. Our residential property development finance options can get your development completed sooner.

Get A Quote

What We Do

If the banks aren’t revelling in your entrepreneurial spirit, don’t let them rain on your parade. Let us help!

Who We Are

We’re inspired, we’re driven and we have a solution to every funding need. Learn more about IBN Private.

How to Get Started

Smarter finance solutions for better business
The Opportunities Are Limitless:
Find out how to Get started

Broker or Lender?

We love to partner with passionate and forward thinking brokers and lenders.
Join our network!

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How we’ve helped other developers with their development finance needs:

A particular client commenced a 36-unit development initially using their own funds, expecting their existing funder to come to the party with development finance to cover any shortfall. However, because pre-sales were unavailable and the client’s most recent financials had not been completed, the existing funder didn’t want to play ball.

The client also owned a fully completed and leased residential development in the inner city, but this did nothing to budge the funder’s decision. The client was concerned, to say the least, but then IBN came to the rescue with a business loan for property development enabling the project to continue.

IBN’s Solution:

Loan Sourced:
^$6,000,000.00
- Low 6% rate for completed development
- 65% LVR (Loan to Value Ratio)
- Rental income as servicing
- Full refinance plus considerable amount of working capital

Construction Loan Sourced:
^$7,900,000.00
- For completion of 36 unit development
- 11.25% pa
- 69% LVR (Loan to Value Ratio),
  Based on GRV (Gross Realisation Value)
- Pre-sales & financials not required for servicing

More Development Finance Scenarios

Don’t be afraid to chase your dreams; let us find the solution to fund your project so you can make your mark!

Contact IBN Private

I would have no hesitation is recommending IBN for future transactions that are difficult to place for your customers.
Glen Barnes - Broker
Thank you IBN for a great start to my day, breakfast with John Anderson, WOW!!! Every person in that room left in awe and touched by a Man driven by an idea. I see things differently now.
Andrew - AJM Music
We had just over a week to come up with some funds... and they did! The solution was in place and ready to settle a few days later.
Jason A. - Broker
IBN provides a fantastic service and I would recommend them to anyone.
Rod Garland - Financial Counsellor
They are truly a team of hardworking, honest and ethical individuals that have a passion for what they do.
Steve Barnfather - Foundation Capital
Thank you for a great start to my day, breakfast with John Anderson, WOW!!! Every person in that room left in awe and touched by a Man driven by an idea.
Andrew - AJM Music
IBN is our introducer of choice and I would encourage brokers to join IBN’s network
Private Funder
Nothing is too much trouble for the team at IBN and the services that they offer to both the client and the funder are second to none.
Funder

Residual Stock Loans

We know the banks have a weak appetite for high vacancy unit blocks… but we see the opportunity for you to maximise profits with market upswings and we’re happy to support you while you wait 3-12 months for the right time to move.

Don’t feel forced to sell your stock at reduced rates just to pay back your development loan. Private development finance offers a short-term take out loan so you can make smarter business decisions free from constricting finance requirements.

Contact IBN Private

Our development finance loans make better business sense:

 Up to 65% of gross realisation for first mortgages

 Up to 100% of construction costs covered

 Pre sales not always required

 Previous credit issues considered

 Predominantly East Coast

 Loan amounts up to $200 million (higher on application)

 Mezzanine funding and land banking available

 We don’t charge any up-front fees

Get A Quote

Development finance options are available for the construction of:

 Residential property developments

 Commercial property developments

 Industrial property developments

 Mixed-use development

 Land subdivisions

 Land bank

How to Apply

How we provide fast, property development mortgage solutions:

 We have access to a large array of lenders including major banks, 2nd tier lenders and over 250 private lenders who have more flexible lending criteria than the banks.

 We have a close relationship with our panel of private development lenders allowing us to expedite your application for development finance. We know that delays in funding can have a knock-on effect and we work tirelessly to achieve the results you need.

 Our team are experienced in both the property development market and finance industry and work to meet the needs of all parties, quickly.

Funding Scenarios

Why Choose IBN?

At IBN, we work closely with our panel of property development lenders, to move quickly on your loan application. We understand that ‘time is money’ and we make the loan process as seamless as possible. Our experienced staff assist you every step of the way with frequent communication on the loan progress.

We present options that others didn’t know existed

We search for solutions and enjoy the challenge of complex loans

We understand the complexities and requirements for a property development mortgage application.

We explain our cost-structure from the outset so that you know what to expect.

Development Finance FAQs

What is development funding?

Development funding is finance specifically for the construction and development of new residential, commercial, industrial, or office buildings.

What is development finance?

Development finance is funding that supports the development of property. This could be through the construction of residential, retail, office, commercial or industrial buildings.

How much deposit do I need for a construction loan?

Each construction loan is different and will have different deposit requirements. Speak with your commercial mortgage broker or lender to find the finance that best fits your needs.

Is it hard to get development finance?

It isn’t hard to obtain development finance. However, you need to ensure that you have a solid development plan in place. Development finance isn’t offered by all lenders and isn’t available to all borrowers. It’s important to have a thorough feasibility plan in place, the support of a team of advisers and experienced developers who you can call on for advice or assistance. This will only strengthen your application for finance, making it straightforward to obtain.

How do builders get financing?

Builders obtain financing through the same finance channels as non-builders.

Why do I need development finance?

Development finance is delivered in tranches once certain milestones are met within the project. This allows the borrower and lender to plan out key dates, ensure the project is progressing, and stick to the allocated budget. Development finance supports this process, ensuring the project remains viable.

Where can I get development finance?

Development finance is best organised through a commercial mortgage broker like us. We work with you to ensure your proposal is structured to obtain the best possible finance outcome for your needs.

What is property development finance?

Property development finance is finance that supports the development and construction of property.

How do property developers raise finance?

Property developers raise finance through a variety of sources, the most common being development finance. Property developers can also raise funds through pre-sales, traditional bank funding, or equity raises.

How much can I borrow for property development?

The amount you can borrow for property development depends on your project type, size and location. Speak to a commercial mortgage broker (like us!) to find the finance that meets your needs.

How do you fund real estate development?

Real estate development can be funded through development finance, equity raises and pre-sales.

How does a development loan work?

Development loans work through the delivery of a portion of funds – known as a ‘tranche’, at key milestones throughout the development process. This ensures the project stays on track, key milestones are hit, and the budget remains true.

What are development loans?

Development loans support the development and construction of a range of property types.

How do you fund development?

Development can be self-funded, funded through development loans, equity raises, traditional finance channels, and pre-sales.

Can I use a development loan to buy a business?

Development loans are used to fund the development and construction of new property. Development loans can’t be used to fund the purchase of a business.

Can I use a development loan to buy a house?

Development loans are used to fund the development and construction of new property. Development loans can’t be used to buy a house.

Hear From Our Clients

Today, I was invited by IBN Private- Scott Roberts to breakfast with Glenn Copper from Coopers Brewing. I thought I was going to learn about my favourite wind down.. Beer. But, I was inspired by a Family owned business who cares about their brand and family values. The same as IBN Private to its customers. Thanks Scott & Fiona.
Tim Gall - Pelican Waters Golf Club
I have utilised Scott’s services on a number of occasions, to assist with complex or unusual finance applications where I was not able to assist my clients. Scott was able to assist me on each occasion, and made the process simple and allowed me to keep my clients happy with their needs met as required. I have no hesitation in recommending Scott.
Terry Hill - Broker
IBN always go that one step further to achieve an outcome. If at all possible, they achieve results for their clients. Communication channels are an extremely important part of this business, and IBN have an excellent system. Dealing with IBN is professional, at the same time keeping the personal touch as its focus.
Private Funder
Thanks so much to Fiona and IBN Private for the invitation to the Sarina Russo Think Speakers event. It was great to be surrounded by so many wonderful local business people and hear the highs and lows of Sarina's journey.
Belinda Forman - Traffika
It is really wonderful that IBN is getting behind ‘Think Speakers and Events’ and ‘Profile’ magazine. Lisa Wilkinson was an excellent speaker and it was a great privilege to have dinner with her. Thank you IBN for the opportunity.
Nicole Bochow - Poole Group Accountants & Investment Advisers
I found Allan Pease to be a highly entertaining and amusing speaker and one who gives an insight into peoples feelings and attitudes being expressed by their facial and body actions. I am looking forward to more excellent speakers in 2016.
Roy Henzell - Henzells Agency
As a guest of IBN at their recent Allan Pease speaking event, I was genuinely amazed at the global experience Allan shared with the room. Thank you to Scott and Fiona Roberts (and the whole IBN team) for the passion you share with the Sunshine Coast business community. Brilliant work!
Bill Darby - Rumba Beach Resort
Thank you to Fiona for inviting me to the event on Wednesday night to listen to Sarina Russo, not only was the talk interesting but the people I met were great company and I learnt much.
Cyndi O'Meara - Changing Habits
Thanks to IBN for the invite to a yet another great event. Glenn Cooper provided some wonderful insights into the history, structure and challenges of Coopers Brewery since its humble beginnings 150 years ago. Thanks again and to Scott Roberts for hosting us at breakfast.
Rick Hipwood - CTB Group
Great day thanks Scott, I always meet other like minded professionals to build referral relationships with and the entertainment, food & company tops it off for an awesome event. Thanks so much for the invite up and for continually running these gottogoto events!
Darren Fidoe - Fundamental Business Finance
Loved the Event! Inspiring, uplifting ...a whole room jammed full of positive! Thanks so much for the invite IBN , stayed in a positive mindset for the whole week! Perfect for team building and personal empowerment. Have been privileged to see 3 amazing speakers and each has lifted the soul to greater heights. Many, many thanks.
Marlene Murray - Maleny Manor
The speakers were excellent and engaging, guided by a charismatic and knowledgeable MC. A unique opportunity to get up close and personal with such sporting legends. Thank you IBN Private.
Mark Papallo - Simpson Quinn Lawyers
Many thanks to Scott and the IBN team for the invitation to see Glenn Cooper speak at the breakfast event recently. He was a great story teller and gave me plenty to think about – very inspirational as well.
Steve Hartley - MAICD - Bluemount Capital
Thank you IBN for inviting me to your latest evening to inspire with Sarina Russo. It was a fabulous night of positivity with inspiration, networking over great food and company. I received so much from it personally to take away and implement into my business and every day way of life. I can’t wait for the next event!
Joey Mogg