Commercial Loans for medicos

Property Development finance

Institutional Funding

Up to 75% of total development costs on construction loans or 65% of the “on completion value, whichever is the lesser.

This is full document loan and full financials are required.

The property developer’s contribution to be a minimum of 20% cash or equity.

Developer Presales will also be needed.

Low Doc Development Finance

This is non bank funded.

We are able to assist you with the following services:-

Help with presales

Equity partners

Non bank funding

This is typically suited for smaller developers and may be suitable for developers who have not done a previous project.

Development Finance for smaller projects (Non Bank funding)

Development Finance / No Pre-Sales Required

Construction Loans are available for Full Doc and Low Doc products

  • Loans up to $1,500,000 up to 70% LVR of the “oncompletion” value
  • Loans up to $5m up to 65% LVR of the “oncompletion” value metro locations
  • No Pre-Sales Required for loans up to $1.5mil lt
  • Pre Sales may also not be required for loans over $1.5m, and if they are, the requirements will always be lower than major banks.
  • Minor credit impaired is considered
  • No Risk Fee

The above construction development projects typically range from 2 units up to 15 unit developments in metropolitan areas.

Development Finance for large projects (Instiutional funding)


Funding structure

80% Total Development Costs (Even for owner-builder), or

65% Gross Realisable Value.

Strong equity and borrower’s interest in the transaction are vital –typically 20-30% of Total Development Costs.

Emphasis on sponsor track record, reputation and experience in similar projects.

Generally requires a minimum profit-to-risk margin 15% bw


Tripartite agreement is required between lender, borrower and builder.

Retention funds of >5% of the works’ cost or a third party performance bond for an equivalent amount that is acceptable to the lender


CBD/ Metro areas (within 20-25 km of CBD).

Focus on site contamination and potential environmental risks especially where excavation is concerned: Water tables; Buried asbestos; and Foundations of neighbouring buildings.

Developer Presales

No one entity/individual should have more than three or more units which represent 20% of total number of units; and/or 10% of total sales value.

Non-refundable deposit to demonstrate buyer’s commitment: >10% of purchase price.

No overseas pre-sales

Outside Guidelines

Mezzanine debt or preferential equity

First-time developers

If you require further information or have a scenario which falls outside a major bank’s policy and you would like to discuss, please call us.







1300 LOW DOC

1300 569 362

We specialise in both Low Doc and Full Doc commercial loans

Sydney Phone

High Yielding Commercial Properties


From 4.89%

for 3 year fixed full document commercial loans, with no ongoing fees.

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For the best commercial loans

Australia wide

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Sydney Real Estate Agents

80% LVR

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