Construction Loans NSW

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Construction Development Loans

Construction Loans NSW — Finance Your Development from Blueprint to Completion

Q: What is the typical term for a construction development loan

Generally 12 to 36 months, depending on project size and scope.

Q: Can I get 100% construction funding?

Generally no. Most lenders require a developer to contribute to equity. However, we can help maximise your leverage depending on project strength.

Q: What documents do I need to apply?

Loan amounts typically range from 60% to 80% of the property’s value, depending on the lender and type of property (residential or commercial). A deposit from the SMSF is required, and the fund must maintain liquidity for future obligations.

Q: Do lenders conduct stage inspections?

Yes. A quantity surveyor or project manager will inspect and verify each stage before releasing funds.

Q: Can I refinance once the project is complete?

Yes, we assist with refinancing into long-term commercial or investment loans once your project is completed.

At Kesh Finance Solutions, we specialise in tailored construction loans in NSW that support your development project from planning to completion. Whether you’re acquiring land, funding a construction build, or refinancing post-completion, our structured finance solutions are designed to grow with your project.

With over 20 years of industry experience and strong relationships with both major banks and specialist lenders, we provide property developers, builders, and investors with transparent, flexible, and strategic construction finance solutions that deliver confidence and control at every stage.

What is a Construction Development Loan?

A construction development loan (also known as a construction loan) is a structured finance facility designed to fund real estate development projects in progressive stages — from land acquisition to final build completion.

Unlike traditional mortgages, construction loans feature drawdown funding, meaning interest is only charged on the funds you use as each construction stage is completed.

These loans are ideal for:

🏢 Property developers
👷 Builders and contractors
🏠 Residential and commercial investors
🏗️ Mixed-use or multi-dwelling project developers

At Kesh Finance Solutions, we partner with top-tier banks, private financiers, and non-bank lenders across NSW to deliver flexible, cost-effective, and compliant construction loan options suited to your project’s scale and complexity.

Benefits of a Construction Development Loans

Stage-Based Funding

Draw funds progressively as each stage of your development is completed — from slab to lock-up to completion.

Lower Interest Cost

Pay interest only on the amount drawn, helping control cash flow during construction.

Tailored LVRs & Terms

Loans structured to suit your project size, with up to 80% LVR depending on scope and risk profile.

Pre-approval Confidence

Secure lender approval before breaking ground — critical for seamless scheduling and budgeting.

What Can You Fund with a Construction Development Loan?

You can use construction loans in NSW to finance a wide range of projects, including:

Land acquisition
Subdivision and infrastructure costs
New home builds or townhouses
multi-dwelling or high-rise projects
Commercial and industrial development
Construction of childcare centres, medical offices, or mixed-use buildings

Note: All funding must meet lender due diligence and regulatory compliance requirements.

Who Can Apply for Construction Development Loans?

Our construction loans cater to both experienced and emerging developers, including:

Experienced property developers
Licensed builders or contractors
New investors with pre-approved plans
Companies undertaking residential or commercial projects
Joint ventures and property syndicates

Why Choose Kesh Financial Solutions for Your Construction Development Loan?

Industry Knowledge

Our experts understand construction development funding — from DA approvals to stage releases and exit strategies.

Strong Lending Network

Access a wide panel of major banks, private funders, and non-bank lenders offering competitive and flexible terms.

Full-Service Support

We assist with feasibility reports, QS documents, construction budgets, and loan applications to streamline approvals.

Risk-Aligned Structuring

We align your loan with lender policies, ensuring optimal risk management and faster decision-making.

How We Help Developers and Builders

Feasibility Review

We assess project costs, timelines, and lender appetite to ensure your proposal is finance-ready.

Application Preparation

Our team compiles required documentation — QS reports, builder credentials, development approvals, and progress schedules.

Lender Matching

We identify suitable lenders and negotiate competitive rates, LVRs, and conditions to fit your project goals.

Drawdown Management

We coordinate progress payments based on completed milestones, ensuring smooth cash flow management throughout construction.

Construction Development Loans

Frequently Asked Question

What is the typical term for a construction development loan

Can I get 100% construction funding?

What documents do I need to apply?

Do lenders conduct stage inspections?

Can I refinance once the project is complete?