We specialise in fast, flexible financing and equity structuring for property developers.
External factors like bad weather or labour shortages can affect your projects’ timelines and budgets, but with the help of our unrivalled lending network and years of experience, we will find the missing pieces in your property development puzzle and help you move forward.
Planning a subdivision, townhouse build, or anything else on the lower end of the funding scale (less than $5 million)? We’ve tailored our approach to financing smaller property projects.
Whether you’ve identified a prime site you want to acquire, or you’re looking to refinance a current holding, we’ll connect you with a financial solution offering optimal terms for maximising returns on your property development.
We help property developers secure funding to cover construction budgets. Options include senior debt from traditional financial institutions or private lenders, subordinated debt (like mezzanine loans), or equity sharing options.
Completed your build and have unsold properties weighing down your balance sheet? Residual stock loans offer the flexibility to maintain cashflow during the sales stage, removing the pressure to drop prices for a quick sale.
Join forces with one of Australia’s largest lending networks to access untapped private wealth and institutional funding.
Applying intuitive insights on how to structure and source bespoke funding for your individual needs, we drive deals with speed and certainty.
We’ve got runs on the board for funding large-scale development and construction projects, so you can be confident we’ll get you results.
You don’t pay for supplies until they’re delivered, and you won’t get an invoice from us until we’ve shown you the goods – a viable loan option.
If you’ve got the business case, the blueprints, or even just a bright idea, we’re ready to scope out a financial solution for your dream development.
Join forces with one of Australia’s largest lending networks to access untapped private wealth and institutional funding.
Applying intuitive insights on how to structure and source bespoke funding for your individual needs, we drive deals with speed and certainty.
We’ve got runs on the board for funding large-scale development and construction projects, so you can be confident we’ll get you results.
Just as you don’t pay for supplies until they’re delivered, you’ll only see our invoice when we’ve shown you ‘the goods’ – a viable finance offer.
Major property developments can be significantly exposed to market volatility, drawn-out timelines, and cost overruns. As such, many banks consider them too risky, preferring to focus on home mortgages and finance for more predictable commercial ventures.
So why all those cranes on the horizon? That’s where private finance comes in. Made up of high-net-worth individuals, wealthy families, private equity firms, and non-bank financial institutions, the private lending sector tolerates the higher risk, usually demanding a higher interest rate as a tradeoff.
How you finance property development depends on your specific circumstances. If you have a proven track record, ample cash reserves, and significant personal equity, you may qualify for a traditional loan with competitive terms. This option is suitable for developers with successful past projects and strong financial positions.
However, if you’re a newcomer to property development, lack pre-sales, or require a higher loan-to-value ratio (LVR), obtaining finance may be more challenging, and the interest rates offered could be higher. In such cases, it’s crucial to leverage your strengths and explore alternative approaches, such as equity partnerships.
For instance, a group of shareholders with land and approved plans for an apartment complex could seek funding by offering equity in their company to a private investor. This arrangement provides the necessary funds for construction, and the investor becomes a partner in the project.
At Northcap, we’ve seen major developments funded in a variety of ways. We can help canvas a range of options, explaining the pros and cons of each.
We make moves for motivated individuals seeking a financial solution to achieve their lifestyle, business, or project goals. Call, email, or send an enquiry to open the channels of communication.
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