Construction Finance
Fund the build in stages, from groundworks to handover.
Staged construction finance for residential projects built for sale or investment — drawn down as you build, placed across our panel.
Construction finance that funds the whole build.
Building residential stock for sale or investment ties up capital from the first slab to the final certificate. We arrange staged residential construction finance and place it with the right funder from our panel of 50+ non-bank and private lenders, so your cash isn't trapped in a half-built project.
Funds are released in stages against the build — deposit, base, frame, lock-up, fixing and completion — typically to around 80% of total development cost, with a quantity surveyor signing off each drawdown. This is business-purpose finance for builders, developers and investors with an ABN, building residential property to sell or hold — not to live in.
We know which lenders fund single dwellings versus multi-unit, which move fast on pre-sales, and which take a sensible view of cost-to-complete. Indicative answer in 24 hours, and a facility structured around your program and exit.
Why arrange construction finance through X Private.
Staged drawdowns
Funds released as each stage completes, so you only pay interest on what you've drawn.
Up to 80% of cost
Higher leverage against total development cost to keep your own capital free.
Single dwelling to multi-unit
From one investment build to a small residential project, matched to the right specialist lender.
QS-managed, sensibly
We work with lenders whose quantity-surveyor process is realistic, not an obstacle course.
Built around your exit
Sell on completion or refinance to hold — the facility is structured around how you repay.
Deals the banks slow down
Tight timelines, limited pre-sales or a complex site — we place builds the banks stall on.
What we arrange.
If you're building residential property for a business purpose, we can usually place it:
- New residential builds for sale
- Investment dwellings built to hold and rent
- Knock-down rebuilds for resale
- Small multi-dwelling residential projects
- Builds with limited or no pre-sales
- Refinancing land into a construction facility
- Cost-to-complete top-ups on an in-progress build
- Construction-to-hold or construction-to-sell strategies
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
Funds are released in stages as the build progresses — typically deposit, base, frame, lock-up, fixing and completion. A quantity surveyor verifies each stage, and you only pay interest on the funds drawn to date.
We're a specialist property finance brokerage: we place construction finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Residential construction finance is for property built to sell or hold as an investment, not an owner-occupied home.
Not always. Banks often demand significant pre-sales; several of our non-bank lenders fund with limited or no pre-sales, pricing for the risk instead. We match your project to the right one.
Typically up to around 80% of total development cost, depending on the project, location and your experience. We'll give you a realistic figure within 24 hours.