Property Development Finance

Rates from 3.59%

Property finance is any loan or form of finance that is secured by property. It can be used to purchase property, develop or construct on existing property, as security for a short-term loan or to refinance existing debt. Property finance can be short-term or long-term, depending on your requirements.




  • Lower interest rates than other types of finance
  • Property acts as security for loan – no need for other security
  • Options are available if you have bad credit


  • More documentation required than other loan types
  • Slower than other loan types
Prefer to talk to a loan expert?
1300 898 765
Unsure how much you can borrow?
Try our business loan calculators

Unsecured Loan Calculator

  • Borrow without risking property / assets

  • Loan terms of 3-12 months

  • Security needed for longer borrowing

  • No personal guarantees required

How much do you need?

Over how many months?

Based on your answers,

Your estimated weekly repayments are: $1,498 / week

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

  • Borrow with the certainty of fixed repayments

  • Loan terms of 1 to 20 years

  • Monthly repayments

  • Secured & unsecured options available

How much do you want to borrow?

Interest Rate

Over How many years?

Based on your answers,

Monthly Repayments $9,666

Total Repayments $579,960

Interest Costs $79,960

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

  • No deposit options available

  • Rates from 4.09%

  • Loans from 1 - 10 years

  • Low Doc options available for business owners

What is your vehicle/equipment cost?

Interest Rate

Over how many years?

Based on your answers,

Monthly Repayments: $1,473

Total Repayments: $88,399

Interest Costs: $8,399

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

Invoice Finance Calculator

  • Loans against your outstanding invoices

  • Undisclosed options available

  • Rates from 0.5% per month

  • Same-day approvals

Outstanding Receivables

Advance Rate

Based on your answers,

Receive up front: $480,000

90 days interest costs:

Minimum $14,400

Maximum $21,600

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

How does Property Finance Work?

Property finance – loans secured by land and/or real-estate property – is the most common form of finance in Australia. This is because people who own property can use it as security. And property is one of the most useful forms of security for finance since it is easy to value and tends to hold its value.

Property finance tends to be long-term (up to 30 years), but short-term property finance options are also available.

Property finance is found in many types, for example:

If you are obtaining property finance, lenders will need to determine how much you can borrow, and how much you can afford to repay.

To know how much you can borrow, lenders use a common metric called Loan to Value Ratio (LVR). LVR is the ratio of the loan amount to the valuation of the property.

For example, if the valuation of your property is $10 million and you want to borrow $8 million, your LVR would be 8,000,000/10,000,000 = 80%

The maximum LVR will depend on the type of property you are using as security for your loan. For example, residential property will have higher LVRs than commercial property or vacant/undeveloped land.

A general rule of thumb is that for residential property, LVRs of up to 80% are available but may be stretched to 90% in certain circumstances. For commercial property, LVRs of 70% are more common, and for more unusual land such as agricultural land, LVRs are more likely to be around 55%.

In addition to determining how much you can borrow, lenders will determine serviceability, your ability to meet all principal and interest payments when they come due.

This is determined by considering your income, including any rental income from the property.

Documents required for property finance applications

Loans less than 12 months

Loans more than 12 months

Do you qualify?

If you do not fit into the qualification criteria, you may still qualify for a different type of business loan. Use the online prequalification tool to find out what types of business loans you are eligible for.


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