From single-dwelling builds to multi-unit residential and commercial developments — Probiz Finance structures the right construction loan so your project gets off the ground and stays funded through every stage.
Unlike a standard home loan, a construction or development loan releases funds in stages — called progress draw-downs — aligned to your builder's schedule. You only pay interest on the amount drawn at any point, which keeps your holding costs low while the build progresses.
For larger residential or commercial developments, mezzanine finance and development finance facilities unlock higher leverage and structure for projects that traditional lenders won't touch alone.
Finance for individuals building their primary residence or investment property. Stage-based draw-downs align with your builder's fixed-price contract and council-approved plans.
For developers building 2–50+ dwellings — townhouses, apartments, or estate subdivisions. Structured around pre-sales requirements, feasibility, and site costs.
Funding for offices, warehouses, retail centres, and industrial builds. Lenders assess tenancy pre-commitment, yield on completion, and exit strategy.
Bridges the gap between senior debt and equity, allowing developers to increase leverage. Typically used for projects requiring 70–85%+ of total project cost funding.
Funding to purchase and subdivide land before construction commences. Often structured as a short-term facility with a clear exit to a construction or takeout loan.
For major renovations or full demolition and rebuild projects. Lenders assess end value (as-if-complete valuation) and your builder's credentials and licence.
We review your project details, land value, build cost, and exit — within 48 hours we'll tell you what's achievable.
We shortlist from 50+ lenders including banks, non-banks, and private credit who specialise in construction.
Conditional approval issued — you can proceed to contracts and council approvals with financial confidence.
Funds released at each build milestone — slab, frame, lock-up, fixing, and practical completion.
Construction finance is assessed differently to a standard mortgage. Lenders focus on the project's viability, not just your personal income. Here's what strengthens your application:
Rates and parameters are indicative only and subject to lender assessment, project viability, and market conditions. Speak to Probiz Finance for a personalised indicative quote.
Lenders we work with
Every project is different. Tell us about your build or development and we'll come back with a clear view of what's achievable — lenders, rates, and structure — within 48 hours.
No obligation. We'll review your project and come back with options.
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