Building your new investment property?

Let’s explore development loans tailored for property investors

Turning Plans Into Progress

Without capital injection, your development plans exist only on paper. Unfortunately, development finance is an area that banks have tightened up on considerably. (They’ve even left the market entirely in some areas.)

There is a smaller pool of institutional lenders – having somebody who knows how to put applications together, who to approach given the viability of the project and level of pre-sales is crucial. We also can’t understate the importance of having a network of non-bank lenders for backup.

With capacity to facilitate the region’s largest projects, we often deliver development finance without strict presale rules. Our construction loans have supported land subdivisions, apartments and commercial buildings.

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.

Customised Loan Options

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.

Construction Loans Finance Experts

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

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

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

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

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.

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

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