Here’s how we make development & construction finance work
We speak fluent construction. Whether you're building two townhouses or a 20-unit block, we help structure funding that matches your workflow — and keeps your project moving.
Site purchase and land banking options
Secure the land first. We arrange funding for site acquisition, whether you’re ready to build now or planning to hold and prepare.
Funding with milestone-based drawdowns
We’ll structure progress payments aligned to your build schedule. No generic templates — just practical, tailored lending.
Bank and non-bank development finance
From major banks to private funders, we help you compare pricing, terms, and speed — and choose the right capital stack for your risk profile.
Support with presales, feasibility, and exit strategy
Need help modelling your project or building a lender-ready proposal? We can assist with forecasting, stack structure, and future refi or sale options.
FAQs about development & construction finance
Can I get construction funding without presales?
Yes — but it depends on your project size, experience, and the lender. Non-bank and private lenders are often more flexible on presales than the banks. We’ll help you structure the deal so the presale requirement doesn’t kill your project.
What if the build goes over budget or gets delayed?
Happens all the time. That’s why we model contingencies and make sure your loan structure includes buffers. If needed, we can also arrange top-ups or bridging options to get you through to CCC, titles, or sale.
Can I fund land now and build later?
Yes — land banking loans are common. We’ll find you funding for the land now and plan a staged transition into construction finance once you're ready to go vertical.
Need funding for your next build or project?
Book a free, no-pressure strategy session with a Luminate adviser. We’ll help you structure the capital, model the feasibility, and line up funding that keeps your project on schedule.
We work with trusted bank and non-bank lenders
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Testimonials
Mortgage Broking & Finance Clients
From our very first interaction, it was clear that Trent was genuinely invested in our success at Gratpak. As a result of his support, we were able to secure the funding necessary to invest in new technologies and streamline our production processes. I wholeheartedly recommend Trent Bradley to any business seeking a knowledgeable and dedicated financial partner. His expertise and support have been invaluable to us, and I am confident he can help others achieve their financial goals as well!
Sandeep Puri
GratPak Ltd
We knew about Luminate last November from our friend. We contacted them with the feeling “give it a try, but no hope” because we tried so many times before. And now…we are sitting on our couch in our living room in our house waiting for Christmas…The biggest Christmas gift ever in our life.. Just like a dream come true guys!
Luminate Financial Group has the best service which is out of your expectation. They are reliable, fast and super easy.
Marita Huynh
I've had the pleasure of working with Trent Bradley from Luminate, and I can confidently attest that he's a game-changer. With decades of experience under his belt, he navigates even the most challenging times with ease, providing unparalleled guidance and support.
If you're looking for a finance expert who will make your financial goals a reality, look no further than Trent Bradley. Highly recommended!
Garry Singh
Ray White NZ
Investors
Something that is troubling when you have funds to invest is trusting a Company to ‘keep it simple’ and deliver a fair ROI …..and who do the job of increasing the capital value, report monthly in a format I can read and understand and be there if I have questions. Luminate has delivered for me over the past 5 years on an investment of a couple of million. It’s a joy, its simple and effortless on my part, which speaks volumes about the quality of the team.
SR
We have known Trent Bradley for 28 years through a mixture of seeking his advice on borrowing, financing or lending funds for various activities we have engaged in.
With Luminate managing our money we have over the past 28 years had complete peace of mind. We are very pleased to share our experiences with Trent as he is a bedrock to our financial progress.
Michael and Gwyn Gray
Our business & property lending solutions
Commercial property loans
Buy, refinance, or restructure commercial and industrial property. Whether it’s owner-occupied or investment — we’ll help you access sharp funding from banks or specialist lenders.
Working capital & business loans
Free up cash to invest in stock, expand your team, or bridge accounts receivable. We structure lending that works with your business model and cash cycle.
Project completion loans
Running out of runway? We help fund projects nearing the finish line — covering cost overruns, delays in CCC, or cashflow gaps before sale or refinance.
