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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Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
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.
