Development & Construction Finance for Australian Builders
Tailored commercial property and construction loans to fund, build, and complete development projects across Australia.
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Funding from $250k
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Short 3 – 36 month terms
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First and second mortgage options available
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Ideal for those seeking construction finance for commercial purposes
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What is Development & Construction Finance?
Development & Construction Finance is a short- to medium-term loan specifically designed for Australian business owners and commercial developers to fund property development projects. It provides capital for:
- Purchasing land or existing commercial property
- Covering construction or redevelopment costs
- Bridging financing gaps until longer-term funding is secured
- Supporting multi-stage projects with staged drawdowns aligned to project milestones
These loans are tailored, flexible, and faster than traditional bank finance, making them ideal for developers who need certainty, speed, and expert guidance to complete their projects on time and on budget.
Why it matters: Many commercial development projects fail or get delayed due to funding gaps or bank restrictions. Development & Construction Finance from Private Mortgages Australia gives you the speed, flexibility, and structure to keep your project moving.
Who is this loan for?
Our Development & Construction Finance is designed for Australian business owners and commercial property developers who need fast, flexible funding to bring their projects to life. Typical borrowers include:
- Commercial developers expanding or redeveloping property
- Business owners requiring bridging finance to secure a development site
- Companies undertaking multi-unit, office, retail, industrial, or mixeduse developments
- Borrowers who need fast approval timelines that traditional banks can’t meet
Locations we serve: Sydney, Melbourne, Brisbane, Perth, Adelaide, and nationwide.
What We Finance
We provide tailored financing solutions for a wide range of commercial development projects:
- Office Buildings: New construction, refurbishment, or extensions
- Retail & Mixed-Use Developments: Shopping centres, precincts, or combined residential-commercial projects
- Industrial & Warehousing: Logistics hubs, manufacturing sites, or storage facilities
- Multi-Unit Residential: Townhouses, apartments, or strata projects (commercially structured)
Our loans are designed to support every stage of development, from acquisition and planning approvals to construction drawdowns.
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 65% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the borrower.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Residential Development Site Purchase
Scenario
A property developer needed fast funding to secure a residential development site but couldn’t meet bank timeframes, putting the purchase at risk.
Why PMA
Private Mortgages Australia understood the time-sensitive nature of the transaction and the strength of the underlying asset.
Unlike traditional lenders, PMA assessed the project viability and security value, rather than relying solely on standard servicing metrics. This allowed for a more flexible and commercially focused approach to structuring the loan.
Our team worked closely with the borrower to ensure all required documentation was reviewed quickly, enabling a streamlined approval process and providing certainty in a competitive acquisition environment.
PMA's Solution
PMA provided a $2.5M short-term loan at 70% LVR, with approval and settlement completed within 10 business days. This enabled the borrower to secure the site and proceed with development plans.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
We are very happy with our investment in PMAC Trust. The team at PMA do a wonderful job exceeding the target return....
James B - Portarlington VIC
2018-04-13 04:33:02
★ ★ ★ ★ ★
Private Mortgages Australia were able to offer me a loan solution which complemented my property and individual circumstances perfectly. The professionalism of staff and the simplicity of the process have been a breath of fresh air compared to other lenders. I would not hesitate using the PMA services in future and thoroughly recommend this company to anyone looking for a quick but robust short term finance solution for business investment....
Donna Cameron - Borrower, Canberra
2020-02-03 03:31:19
★ ★ ★ ★ ★
A good private lender that can execute quickly when all the ducks are in order. Shane Uttley the Manager in QLD went above and beyond to try settle a deal for a client of ours during the Xmas/New Year break. Appreciate the whole team’s help....
Edward Chin
2024-01-08 17:11:23
★ ★ ★ ★ ★
We appreciate all the efforts, in difficult and challenging circumstances. Your professional approach and ability to get the deal done has been much appreciated by all....
Simone - Gold Coast
2019-04-05 05:30:51
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
