Construction Finance That Keeps Your Project Moving
From duplex builds to land subdivisions — we match developers and builders to the right lender and manage every progress draw so your build stays on schedule.
What We Fund
Construction Finance for Every Project Type
Residential Construction
Single dwellings, townhouse projects, and small-medium residential developments up to 20 lots.
Commercial & Mixed-Use
Retail, office, industrial, and mixed-use developments requiring construction finance with commercial terms.
Land & Subdivision
Subdivisions from 2 to 50+ lots — land acquisition, holding costs, and staged drawdowns.
Duplex & Dual Occupancy
Knockdown-rebuilds, dual-occ projects, and small-scale multi-dwelling builds for investors and builders.
Vacant Land Purchases
Land banking and vacant land finance with flexible interest-only periods during the hold phase.
Owner-Builder Finance
Specialised lenders for licensed owner-builders — typically harder to place, but we have the panel for it.
Process
How Construction Finance Works at LFG
Free Project Review
We assess your project feasibility, council approval status, cost estimate, and equity position — before a single lender sees your file.
Lender Matching
We match your project to the right construction lender — bank, non-bank, or private — based on LVR, project type, and timeline.
Progress Draw Management
We coordinate each progress drawdown with your lender, so funds release on schedule and your builder doesn't stop work.
Completion & Refinance
Once complete, we review your end debt and arrange the best long-term financing — or facilitate a sale and settlement.
Example
What a Typical Construction Deal Looks Like
A Melbourne developer acquired a corner block in the south-eastern suburbs with plans approved for 4 townhouses. Total project cost: $2.1M (land $700K, build $1.4M). Equity position: 30% contribution from existing property and savings.
We placed the file with a non-bank construction lender at 70% LVR on a cost basis, with 5 progressive draw stages. Settlement occurred 18 days after application. Build completed on schedule. End debt refinanced to a standard investor loan at competitive rate upon completion.
Deal Snapshot
Why Developers Choose LFG
One Broker. End-to-End.
Access to 60+ lenders including specialist construction panels
Director-only advice — you deal with Andrew directly
Experience across residential, commercial, and land subdivision
Progress draw coordination included — we manage the paper trail
FBAA member — independent, not tied to a bank
Andrew Pogany
Principal Broker · Credit Rep 513550
Every construction file is handled by Andrew directly. No hand-offs to junior staff. You get experienced, senior-level advice on every aspect of your project funding.
Speak with AndrewFAQ
Common Questions
What LVR can I access for construction finance?
Most lenders will go to 65–70% LVR on a project basis (land + build costs). Some non-bank lenders will go higher with the right pre-sales or equity position. We'll give you a realistic range before you commit.
Do I need pre-sales before approaching lenders?
Not always. Small projects (1–4 dwellings) typically don't require pre-sales. Larger developments may need evidence of demand. We'll tell you exactly what each lender requires for your specific project.
How are progress draws released?
Drawdowns are released in stages — typically slab, frame, lock-up, fixing, and completion. Each stage requires a quantity surveyor or valuer sign-off. We manage the paperwork so your builder gets paid on time.
Can you help with private or non-bank construction lending?
Yes. For projects that don't fit bank criteria — unusual site, fast settlement, complex structure — we have access to private and non-bank construction lenders who move faster and can accommodate complexity.
What's the difference between a construction loan and a standard home loan?
A construction loan draws down progressively as the build progresses — you only pay interest on the amount drawn, not the full loan. Once the build is complete, it typically converts to a standard principal + interest loan.
Ready to Fund Your Next Project?
Request a free Developer Funding Review. We'll assess your project, identify the right lenders, and give you a clear picture of what's achievable — before you commit to anything.
Request a Developer Funding Review