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.

Development Funding

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

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

Smarter finance solutions for better business
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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

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

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.


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
Development finance for construction

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
lternative funding solutions

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.

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.

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