Development and Construction Loans

Land subdivision and property development finance

Powering projects in a
tight lending environment

Securing development finance has become tougher, with banks tightening their lending criteria or pulling out of the market altogether. This makes having a knowledgeable partner who can expertly handle the application process more important than ever. Knowing which lenders to approach, based on your project’s viability and pre-sales levels, is crucial.

With fewer institutional lenders available, tapping into a private network of funders and mezzanine financing becomes essential to getting your project off the ground.

Assembling a solid application and identifying the best funding sources requires specialised expertise. We understand these challenges and are here to help you tackle them. Our experience in property development finance means we can customise our approach to meet your project’s unique needs, giving you the flexibility and support needed to move forward confidently.

Luminate-Home-Loans-Construction-and-Development-Finance

What we do

From residential projects to industrial and commercial ventures, our construction loans provide capital for all types of developments.

Funding for residential construction projects

Custom-built home
Duplexes, triplexes, & row houses
Apartment complexes and condo towers

Financing For Commercial & Industrial Builds

Offices, storefronts, and mixed retail
Manufacturing warehouses and facilities
Specialty developments (such as childcare centres)

Land acquisition and subdivision funding

Raw land purchases
Residential, commercial, and industrial subdivisions
Infrastructure building for master-planned communities

Why choose Luminate?

For over 20 years, Luminate has been solving clients’ financial problems and getting them moving forward. No two applications are the same – we will tailor a solution to your unique situation.

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Customised loan options

We work closely with developers and investors to create customised financing packages for commercial real estate projects. Our team can leverage a range of institutional and private funding sources to meet your specific needs.

Real estate finance experts

With decades of combined experience in real estate finance, our advisors understand the complexities of the industry. We can provide personalised guidance to help secure the best possible loan terms for you.

Wide range of lenders

Through our extensive network of capital partners, including banks, private equity firms, alternative lenders, and real estate investors, we can access lending sources tailored to your next commercial development.

Straightforward lending terms

We highly value transparency with our clients. We offer clear loan guidelines and consistent fees so you know what to expect. No surprise costs or convoluted fine print.

Efficient funding timelines

Projects can receive a portion of the approved loan amount on day one. The remainder is then funded on a phased drawdown schedule tied to construction milestones.

What we need

To assess funding eligibility, we review core aspects of your development plans to gain insight into the viability, timing, costs and risk factors of a development. This helps shape loan terms that set our clients up for success.

Building plans and permits (e.g. building, resource, and engineering approvals)
Project feasibilities, pre-sale estimates, and exit strategy assessments
Construction budgets, contracts and tenders

Get the funding you need in 4 simple steps

Get started

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

Provide the necessary documents so we can assess your eligibility. We’ll look at your income, expenses, credit history, and, if applicable, your property details.

Approval and terms

If approved, we’ll present you with loan terms including the interest rate, fees, loan amount and repayment structure. Ask us questions and make sure you understand the offer.

Settlement

Once you accept the offer, we’ll take care of the legal paperwork and administration. After you execute the documents, any outstanding conditions and the settlement of your loan will take place, moving you forward.

Bring your real estate vision to life.