Construction finance expertise
We understand project feasibility, loan-to-cost and loan-to-value ratios, borrower equity, contingencies, presales, servicing requirements and exit strategies.
Service
Construction Finance
Compare construction finance options for residential, commercial and mixed-use projects from planning and site acquisition through progress payments to completion.
Talk to a broker
The right construction facility is about more than the interest rate. Project feasibility, borrower equity, planning status, build costs, contingencies, presales or servicing capacity and the proposed exit strategy all influence lender appetite and the funding available.
We assess the project from a lender’s perspective, compare construction finance across banks, non-bank lenders and specialist funders, and structure the application around each stage of the build. We help coordinate the financial information, valuation and quantity-surveyor requirements, then stay involved through approval, progressive drawdowns and completion.
Why choose 3LANE Finance
Construction finance involves more than obtaining a loan approval. The facility must align with the project feasibility, construction program, borrower equity, lender requirements and intended exit strategy.
Broad lender access
We compare construction facilities across banks, non-bank lenders and specialist construction funders to identify options suited to the project.
Lender-ready project presentation
We organise the project information lenders need, including approvals, feasibility, costings, builder details, valuations and quantity-surveyor reporting.
Support throughout construction
Our involvement continues beyond approval as we help manage conditions, lender requirements, progressive drawdowns and the transition to the agreed exit strategy.
How we help
We assess the project from a lender’s perspective, identify potential funding issues early and structure the application around the project’s costs, risks and delivery program.
- Review project feasibility, equity contribution, construction costs, contingencies, servicing or presales and the proposed exit strategy
- Compare lender appetite, facility structure, pricing, fees, security requirements and drawdown conditions
- Coordinate the application, valuation and quantity-surveyor requirements, lender questions and progressive drawdowns
A clear path from enquiry to settlement
A structured construction-finance process that brings the project, funding strategy and lender requirements together before construction begins.
01
Assess the project
We review the site, ownership structure, planning status, development experience, builder, construction contract, project costs, contingency, end value, borrower equity and exit strategy.
02
Structure the funding
We determine the funding requirement, facility structure and lender shortlist, balancing leverage, pricing, fees, presales or servicing requirements, drawdown conditions and flexibility.
03
Manage approval and settlement
We prepare the lender submission, coordinate the valuation and quantity-surveyor review, respond to credit questions, satisfy approval conditions and manage the facility through settlement and progressive drawdowns.
Run the numbers
Estimate repayments, borrowing power and stamp duty. Indicative only — your broker confirms the real figures.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
Construction finance is generally drawn progressively rather than provided as a single upfront payment. The lender releases funds against approved project costs as construction milestones are completed. Depending on the lender and project, finance may be available for residential developments, commercial and industrial buildings, mixed-use projects, major renovations and property conversions.
The amount available depends on the lender’s assessment of the total development cost, completed value, borrower equity, project feasibility, contingency, construction experience, presales or servicing capacity and exit strategy. Lenders commonly assess both loan-to-cost and loan-to-value ratios. The required equity contribution and when it must be invested vary between lenders and projects.
Requirements may include the project feasibility, planning approvals, architectural plans, construction contract, detailed cost plan, construction program, builder information, evidence of borrower equity, valuation, quantity-surveyor report, presale or leasing information and the proposed exit strategy. Financial information for the borrower, developer, guarantors and related entities may also be required.
Not always. Some residential development lenders require qualifying presales before construction funding can begin, while other lenders may consider projects without presales where there is stronger borrower equity, lower leverage or another acceptable exit strategy. Build-to-rent, owner-occupied and commercial projects may instead be assessed using servicing capacity, leasing evidence or the strength of the completed asset.
Once the facility conditions and required equity contribution have been satisfied, funding is released progressively against completed work. A quantity surveyor, valuer or other approved professional may verify each claim and confirm the remaining cost to complete. Variations, delays and cost overruns must be addressed promptly, as lenders may require unapproved additional costs to be funded by the borrower.
Talk to 3LANE
Let’s structure your construction finance
Share your project, costs, equity position and timeframe. We’ll assess the funding requirement, compare suitable lenders and help structure the facility through settlement and progressive drawdowns.