Developers
What we do
We help you fund your development, big or small.
Whether it’s your first subdivision or you’ve done a few, we work across a panel of bank and non-bank lenders and know which ones suit which project. We’ll help you structure your finance from land purchase through to completion, so you can stay focused on the build.
Review your project
We look at the full picture before recommending anything. That means understanding your plans, your costs, your timeframes and what you’ll have left at the end. Whether it’s your first subdivision or one of many, we’ll tell you honestly whether the numbers stack up.
Find the right lender
We match your project to the lender whose criteria actually fits. Each bank and non-bank lender has a different appetite for development. Some prefer smaller projects, some are more flexible on presales, and some move faster when timing matters. We find the right one before anything is submitted.
Run the application
We manage the application from start to finish. Development lenders usually want more than a standard home loan, such as costings, plans, consents and a clear timeline. We pull it all together, handle the submission and deal with the lender, so you can stay focused on the project.
Plan the exit
We structure your finance with the end in mind. For most developers that means selling the finished sections or homes, or refinancing what you keep to longer-term lending. We plan for that from day one, stay in touch as the project moves, and help with the next step when the time is right.
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Non bank/low doc
Frequently asked questions
What is a non-bank lender?
A non-bank lender is a financial institution that provides mortgages but isn’t a registered bank. They operate under different criteria, often with more flexibility around income verification, credit history and loan structure.
Will I pay more with a non-bank lender?
Usually yes. Non-bank rates are higher than main bank rates, and how much higher depends on the lender and your situation. We’re upfront about the cost and only recommend non-bank lending when the numbers make sense for what you’re trying to achieve.
What's low doc lending?
Low doc lending is for borrowers who can’t provide the standard income documentation banks require, typically self-employed people or those with complex income structures. Instead of two years of financials, lenders may accept bank statements, accountant declarations, or signed income declarations. The income still needs to be real. It just needs to be verified differently.
My bank has declined me. Does that mean I'm stuck?
Not necessarily. A decline from your main bank reflects their criteria and appetite — other lenders may assess the same situation differently. We look at why the decline happened and which lenders are likely to see it differently. It’s worth a conversation before writing anything off.
Can I move to a main bank later?
Often yes. For many clients non-bank lending is a bridge — a way to get into a position where main bank lending becomes possible. We structure it with that in mind from the start and follow up when the time is right to make the move.
Let’s Chat
Start with a Conversation.
Tell us where you are and what you want to do, and we’ll come back honestly on whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.