Development Finance

Development Finance Sydney

Aquamore assists Australian developers to acquire the right finance for capital-intensive residential and commercial real estate projects. As a boutique development finance lender in Sydney, we offer bespoke, fast, and flexible developer finance options for all types of development projects.

Our unique expertise in commercial financing, combined with our broad network of top brokers has provided us with the ability to provide fast development finance, structured for flexibility and tailored to your unique situation. We are the preferred choice for brokers with larger, more complex commercial transactions who appreciate efficiency, transparency and competitive rates – providing financing for small and large-scale developments across the property sector and building industry.

We have a diverse range of clients across all of Australia – from private investors building their property portfolio to expert property developers with years of industry experience – speak with our development finance experts today on 02 9258 8888 for easy and fast development finance options.

What Is Development Finance?

Property development finance, also known as construction loans, serves as a short-term funding option offered to companies of all sizes who intend to develop commercial real estate, a subdivision, or residential properties. This type of commercial financing for development can be used to fund new builds, conversions, renovations, refurbishments, eco-friendly buildings, and land purchases.

Development finance provides builders with access to the necessary capital required to cover the costs of a project – with cash flow always being a crucial factor to a project’s success. It’s unfortunately quite difficult for smaller businesses to qualify for financing from the big banks and mainstream lenders, as no profit is realised on the development until well after the properties are built and sold.

Contact us today on 02 9258 8888 to understand how much you can borrow for your development loan.

The Aquamore Difference

  • Flexible terms available – from 3 months to 24 months
  • Competitive Rates on First Mortgage: 8%+ p.a.
  • Minimum loan size – $100k
  • Maximum Loan size – $30m
  • Low Establishment fee –  2.2%
  • Up to 75% LVR
  • Up to 75% of development costs and professional fees covered
  • Second Mortgage mezzanine funding available –  rates starting at 1.2% p.a.

Client Case Study

Loan Size:  $3,490,500

Loan Term: 12 months

Loan Purpose: Acquisition of land

Company Profile: An Australian-owned building company based in New South Wales, specialising in affordable housing development.

Use & Structure: The loan amount assisted a developer with the financing of 5 building sites in Queensland and New South Wales

Loan-to-Value Ratio (LVR): <60% with interest serviced monthly.


  • First registered mortgage security over 5 properties.
  • First Ranking General Security Agreement over all the assets and undertakings of the Borrower.
  • Share Mortgage over the Borrower.
  • Directors’ and/or Personal Guarantees of the Borrower

How much can I borrow?

Aquamore offers development loans from $500k – $7.5m+.  Every private development finance provider will have their own lending criteria, terms, and conditions with regards to the construction loan amount they can offer. When calculating how much you may need to finance, things to consider are:

  • The value of the land
  • Total build costs
  • Solicitors/legal fees
  • Contingency costs
  • Completion fees
  • Brokerage fees (if applicable)

We can offer up to 85% of the total development costs.

Sydney’s best development finance lenders

Property development can be a complicated field to navigate, particularly with regards to construction finance. For every successful construction project, the right development finance tailored to your specific situation is essential.

When considering your funding options, an important first step is to analyse the best and worst cases scenarios on how substantial the project will be, the timeline for major milestones from start to finish, and the costs for completion.

Aquamore takes pride in our knowledge, experience, and commitment to our clients in offering the best construction finance loans. We support hundreds of new and experienced real estate developers and investors in realising their goals. We handle all aspects of the loan acquisition process on your behalf and take the pressure away from ensuring you get the right funding for every stage of your development project.

Connect with us on 02 9258 8888 or apply now and a Development Finance expert from Aquamore will get back to you ASAP.


Phone: +61 2 9258 8888
Fax: +61 2 9258 8899