Development Loans

Turning your property development vision into reality requires more than ambition and planning - it demands the right funding partner who truly understands project finance. Premier Path Finance specialises in arranging development loans for property developers across Melbourne, Victoria and throughout Australia. Whether you are embarking on your first land acquisition, planning a subdivision, or managing multiple projects simultaneously, our team connects you with loan options from a broad panel of banks and lenders. We understand that every development project is unique, with its own timeline, costs and challenges, which is why we focus on tailoring property development finance solutions that align with your project feasibility and exit strategy.

Securing development finance involves careful consideration of multiple factors. The loan to value ratio (LVR) plays a crucial role in determining your loan amount, with lenders assessing your development equity and deposit alongside your business financials. Interest rates for development loans vary, with both fixed and variable rate options available depending on your project timeline and risk profile. Premier Path Finance works closely with you to understand your project costs - including potential cost overruns - and helps structure development borrowing that maintains healthy cashflow throughout the construction phase. From land development finance to presale finance, and more specialised solutions like mezzanine finance or JV finance, we have the expertise to guide you toward the most suitable funding for your circumstances.

The journey from development application to project completion involves numerous stages where appropriate financing makes the difference between progress and delay. Obtaining DA approval and council approval are critical milestones that affect when and how development funding can be accessed. Premier Path Finance assists developers in understanding how lenders evaluate feasibility, including assessment of project documentation, timeline expectations and your proposed exit strategy. Whether you require a first mortgage for straightforward subdivision finance or need to explore second mortgage options for more complex projects, our team ensures you understand the rates, terms and conditions that will govern your arrangement. We recognise that end buyer market conditions, presale requirements and overall project success depend on having flexible, reliable funding in place.

The property development finance landscape requires a broker who understands lending criteria and appreciates the operational realities developers face daily. Development costs extend well beyond land acquisition to include planning fees, construction expenses and holding costs, and your finance structure needs to accommodate all of these. Premier Path Finance maintains relationships with a diverse panel of lenders, giving you access to development loan solutions that support your complete development journey. Our nationwide service means whether you are developing in Melbourne's growth corridors, regional Victoria or anywhere across Australia, you benefit from our knowledge of local market conditions and lender appetites. Explore our commercial loans and construction loans pages to understand the full range of property finance we can arrange.

At Premier Path Finance, we believe that securing the right development loans should empower your property development ambitions rather than restrict them. Our professional team takes time to understand your goals, experience level and project specifics before recommending funding pathways. We work through the complexities of loan amount calculations, LVR requirements and the interplay between your development equity and overall finance structure. From initial land acquisition finance through to final settlement with the end buyer, our support ensures your project funding remains aligned with your development timeline and budget. Choosing the right finance partner is among the most important decisions you will make - let Premier Path Finance connect you with development finance solutions that provide the foundation for your next successful project. You can also learn more about our approach on our about us page or book an appointment to speak with our team today.

Premier Path Finance works with Melbourne developers and property professionals to arrange development loans that are structured around the realities of your project - not a generic template. Here is how our process works.

Step 1: Initial Conversation

We start with a focused conversation about your project. We want to understand the scope, location, timeline and your experience as a developer. This gives us everything we need to identify the most appropriate development loans for your situation.

Step 2: Project and Finance Assessment

We take a thorough look at your project feasibility, proposed LVR, development equity, cost schedule and exit strategy. For Melbourne developers, we also consider local council requirements and market conditions that may influence lender appetite.

Step 3: Lender Matching

Using our panel of banks and specialist lenders, we identify development loan options that suit your project scale, presale position and risk profile. We present your options clearly, including rates, terms and any presale requirements, so you can make a well-informed decision.

Step 4: Application and Documentation

We manage the preparation and lodgement of your development loan application, coordinating the project documentation, financials and supporting materials lenders require. Our team works to present your application in the strongest possible light.

Step 5: Approval and Drawdown

Once your development loan is approved, we guide you through the drawdown process and keep you informed at every construction milestone. We liaise with lenders, quantity surveyors and other parties to keep your project moving.

Step 6: Ongoing Partnership

Our relationship extends beyond approval. As your project progresses and your portfolio grows, we are here to review your finance structure, explore refinancing options and support your next development. Melbourne developers trust us to be a long-term partner in their property journey.