Land and Construction Loans

With land and construction loans from Funding, you can finance the development of your property. Apply for a short-term loan secured against real estate today!

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Land And Construction Loans

You’ve got a great idea for a new development project, but you don’t have the funds to get it off the ground. You start searching for land and construction loans, but it can be a long and difficult process, especially when it comes to searching for a lender with the right offers for your needs.

When it comes to Funding, you’ll no longer experience these difficulties, as we are a trusted lender for development loans. We offer land and construction loans that you can use for different aspects of a property project, including renovations, home builds, development projects, and the like. 


What does a construction loan include?

Land and construction loans are short-term loans used to finance the building or renovation of a property. The loan is typically used to cover the costs of materials, labour, and land. Construction loans may also cover the cost of drafting plans, securing permits, professional fees, and even permanent fixtures like landscaping.

At Funding, we offer loans ranging from $20,000 to $10 million secured against Australian real estate, and our loan tenures range from one to thirty-six months. Our typical loan-to-value ratio (LVR) is 65% to 70% of the property value, depending on the location and type of security property. We also accept residential and commercial properties as well as vacant land. 

With these terms, you can apply for an amount that can cover the expected expenses of your property development and even more.

If you’re looking for a loan provider with fast approval times, Funding is one of the best options out there. Once you sign our loan documents, we can provide you with your settlement within three to five days, so you can get started with construction as soon as possible – there’s no need to wait for weeks just to get approved for your land and construction loans.


What are the eligibility requirements for a construction loan?

The eligibility requirements for a construction loan differ between loan providers. However, most lenders require the following: good credit standing, stable income backed by proof of income, a down payment for construction costs, and more.

The basic eligibility criteria for our borrowers at Funding are as follows: All potential borrowers must have sound real estate to put up as loan security, the ability to meet their repayments promptly, and a strong repayment strategy to exit the loan at the end of the term.

At Funding, we try to create a hassle-free loan experience, and that includes veering more towards providing fast, straightforward, and flexible land and construction loans for our clients, whether they are individuals, companies, or trusts.


Are construction loans expensive?

Whether or not land and construction loans are expensive depends on your loan terms and your loan principal. As with any type of loan, construction loans come with different rates and fees that you have to be aware of. Different loan providers charge different rates, which is why it is important to choose a lender that is upfront and transparent about associated costs.

At Funding, you can easily request a personalised Express Quote, and you will receive an outline of your applicable rates and fees for your construction and land development loan, along with same-day conditional approval. For those who are satisfied with the numbers they’re presented with, all you have to do is wait for the formal approval before signing the loan documents. 

Our industry experts ensure that you get great deals on your construction land loans, as we take a common-sense approach to lending. We’ll tailor our loan offer to your unique loan scenario and specific needs.

To begin the loan application process, Funding requires you to present the following information:

  • Basic personal information (name, email, and phone number)
  • Loan details (purpose of the loan, loan principal, and loan repayment terms)
  • Property information of loan security

You can also upload any documents that you think are relevant to your loan and can help expedite the approval process.


Kickstart your property project with land and construction loans from Funding.

Leveraging faster and simpler digital mortgages, we quickly emerged to become one of Australia’s most trusted private lenders. Even more, we use the latest technology to protect your assets and provide bank-level encryption and security across our product suite. 

There are many different types of loan products available, like short-term bridging loans, and Funding can help you find the right one for your needs. Some of our other loan products include caveat loans, home equity loans, and short-term property loans.

Taking out a loan with Funding also grants you access to our personalised customer service. If you ever have any questions or concerns regarding our loan products, such as our bridging loans, short-term business loans, or even our second mortgage loan option, we are available via our website, email at, or by phone at 1300 44 33 19.

Take out an Express Quote with Funding today, and enjoy our land and construction loans!

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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