Construction Completion Finance
Finish Your Project. Unlock Your Profit.
When a project stalls due to funding shortfalls, delays, or lender withdrawal, time is critical. Private Mortgages Australia provides fast, flexible construction completion finance to help developers and builders get projects back on track and brought to completion.
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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 funding for cost overruns and final stages to complete commercial projects
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What is Construction Completion Finance?
Construction completion finance is a short-term funding solution designed to help developers complete partially finished projects when existing funding is insufficient or no longer available.
It is commonly used when:
- A lender reduces or withdraws funding midproject
- Construction costs exceed original budgets
- Projects are delayed due to unforeseen circumstances
- Developers need capital to finish and sell or refinance
Unlike traditional bank lending, completion finance focuses on the end value of the project and remaining works, rather than strict income or presale requirements.
When Do Developers Use Completion Finance?
Completion finance is typically used in high-pressure scenarios where speed and flexibility matter most:
Funding Shortfalls
Original loan facilities no longer cover remaining construction costs.
Cost Overruns
Material, labour, or compliance costs exceed initial projections.
Lender Withdrawal
Banks reassess risk and reduce or exit funding before completion.
Delayed Pre-Sales
Projects are viable, but presale targets haven’t been met.
Builder or Project Delays
Unforeseen issues push timelines beyond original funding terms.
In these situations, access to fast, flexible capital can mean the difference between project completion and financial loss.
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: Completion Finance for Townhouse Project
Scenario
A developer had three partially completed townhouses in Victoria. Only the final 10% of construction remained, but the original funding was insufficient, and traditional lenders refused to extend finance.
Why PMA
- Traditional lenders unwilling to fund the remaining works
- Strong end value with confirmed demand for the townhouses
- Quick access to capital required to pay outstanding builder invoices
PMA's Solution
Private Mortgages Australia provided a second mortgage based on the as-if-complete valuation, covering the remaining construction costs. The loan enabled the developer to pay contractors, complete the project, and exit via property sales.
Key Metrics
- Loan Amount: $435,000
- LVR: 49%
- Project Stage: Final 10%
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
Great service, clear and open communication and easy to deal with. Very happy to recommend....
Cameron Heap - Repeat Borrower - Victoria
2022-09-16 01:07:37
★ ★ ★ ★ ★
Our firm has just settled our first finance deal with Shane and the team at PMA. There were unforeseen problems that would have proved too difficult for most lenders, but Shane, Dushen & Peter navigated the situation with aplomb. The feedback was comforting and at no time was there any doubt that I was in the hands of experienced professionals. I wholeheartedly recommend this team to anyone seeking development finance....
J.D. - QLD
2023-12-22 12:21:40
★ ★ ★ ★ ★
Coming from a position where I thought a loan was impossible, PMA took stock of my situation and could see that granting a loan was a safe undertaking. PMA worked with us in a clear, efficient and speedy manner to meet my loan requirement. The 8 week bridging finance loan was repaid in 5 weeks and I am well under way with my next house flip project. Thanks to PMA - I'll definitely be a return customer!...
Rebekah Raymond - Repeat Borrower - Cocoon Constructions
2019-05-22 02:56:10
★ ★ ★ ★ ★
I have just used PMA for a second time now after an initial positive experience. Like last time, I found the team to be friendly and helpful and believe that they offer a reasonable product which has allowed me to get on with the job of delivering more projects....
Evan Yelavich – Repeat Borrower - Planning Plus
2021-09-26 13:53:51
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.
