Specialist finance solutions tailored to your property development project's scale, complexity and funding profile.
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Every property development project is different, so we take the time to understand your project's costs, timelines, feasibility and exit strategy before recommending the right funding structure.
Property development finance is assessed very differently from a standard home or investment loan. Lenders look closely at your experience, project feasibility, presales or leasing (where relevant) and how the loan will ultimately be repaid.
At 3LANE Finance, we help property developers and investors across Sydney and NSW arrange finance for residential, commercial and mixed-use developments, from duplex and townhouse projects through to larger multi-unit developments. By comparing banks, non-bank lenders and specialist development financiers, we structure finance that's aligned with your project's scale, complexity and funding profile.
Whether you require acquisition, construction or mezzanine finance, we present your project in a way that reflects the factors lenders assess, giving your application the strongest possible foundation from acquisition through to exit.
Property development finance is more complex than standard lending. We understand what lenders assess at every stage of a project and help you secure a funding solution that's aligned with your development's scale, complexity and commercial objectives.
We compare funding options across major banks, second-tier lenders, specialist development financiers and private funders to help you find a funding solution that's suited to your project and financial circumstances.
We assess the project from a lender’s perspective, including total development cost, GRV, loan to cost and loan to value ratios, cost to complete, presales or leasing requirements and the proposed exit strategy.
Every lender has different criteria for property development finance. We compare your project across multiple lenders before you apply, helping improve your chances of approval while securing finance that's aligned with your project's requirements.
From initial feasibility through to practical completion, we manage the funding process on your behalf. We coordinate with your lender, oversee drawdowns and help manage funding variations throughout the project.
Property development finance requires more than strong numbers. Lenders also want confidence in your experience, project feasibility and exit strategy.
By comparing lenders across our broad lender panel, we structure your application around the factors lenders assess, helping you secure finance that's aligned with your project's scale, complexity and funding requirements.
Property development finance is more complex than a standard home or investment loan. Lenders assess not only your project's feasibility, but also your experience as a developer, the strength of your project team and your strategy for repaying the facility. At 3LANE Finance, we help you understand what lenders are looking for before you apply. We structure your application around the factors they assess, present your project clearly and professionally, and manage the funding process from start to finish.
We take the time to understand your development's feasibility, funding requirements, construction timeline and exit strategy. We also consider the factors lenders assess, including your development experience, project team and any presales or leasing commitments.
We compare lenders, funding structures and drawdown arrangements before you apply. By matching your project with a lender that's suited to its scale, complexity and commercial objectives, we help maximise your chances of approval.
We prepare your application, liaise with your lender and manage the funding process through to settlement and throughout construction. We also coordinate drawdowns and funding variations, helping keep your project moving.
Estimate your property development finance repayments and explore how different loan structures could work for your project.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
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Quick answers for clients comparing finance options.
Property development finance gives you the money to build and complete a property. Property development finance is typically released in stages as your build progresses. Lenders assess the feasibility, your development experience and your exit strategy, rather than only the value of the finished project.
No, you don’t always need property development experience to get property development finance. Your level of experience does, however, affect which lenders will support your project and the terms available. First-time property developers can still access finance, often with a more experienced builder or consultant team in place to support their application.
Loan-to-cost compares your loan amount to your total project cost. Loan-to-value compares your loan amount to the completed value of your project. Lenders typically cap both ratios. Understanding where your property development project sits against these limits is a key part of structuring the right facility for you.
This will depend on your lender, project size and location. Some lenders require a level of presales or pre-leasing before releasing property development finance funds, while others assess your project on feasibility and security alone. We will confirm which lenders on our panel suit your specific project.
Property development finance is typically released in stages that are aligned to your construction programme. Your lender inspects your progress before releasing each drawdown. We help to coordinate this process with your builder and lender, all the way through to property development project completion.
Yes. We arrange finance for property development projects ranging from small-scale duplex and townhouse developments through to larger multi-unit and commercial projects. We match your project to lenders that support your scale of development.
Mezzanine finance is a secondary layer of funding that sits behind a senior construction loan. Mezzanine finance is used to bridge a gap between the amount a senior lender will fund and your total project cost. Mezzanine finance typically carries a higher cost than senior debt, due to the additional risk attached to it.
Most development facilities are repaid either by selling completed stock or by refinancing into a standard investment or commercial loan once your property development project reaches completion. We discuss your exit strategy as part of structuring your original loan facility.
In most cases, no. Our services are typically free to you, as your lender pays us a commission when your loan facility settles. Given the complexity of some property development finance structures, if a fee were ever required, we would explain and agree this with you in writing first.
Timeframes vary depending on your project complexity, your lender and how complete your feasibility and supporting documentation are when you apply. We prepare your application around the evidence a lender needs upfront, to help avoid any delays during the approval process
Talk to 3LANE Finance about structuring property development finance around your project, funding requirements and exit strategy.
