Construction Finance Broker: 90+ Lenders, Australia-Wide

Settled Funding Group is a specialist construction and development finance broker based in Sydney. Joseph Farhat and the SFG team represent borrowers, including builders, developers, and investors, and submit their scenarios to a panel of 90+ bank and non-bank lenders. For unique scenarios, we can also introduce you to private finance options. SFG works on behalf of the borrower, not the lender, to find the most suitable finance for each project.

SFG is a broker, not a lender. We do not provide the funds ourselves. We represent you as the borrower, assess your scenario, and match it to the right lender from our panel of 90+ bank and non-bank lenders. For unique scenarios, we can also introduce you to private finance options. This distinction matters: we act in your interest, not the lender's.

SFG arranges finance across the full construction and development spectrum: residential construction loans, property development finance, house and land package loans, duplex and dual occupancy finance, townhouse development loans, low-doc construction finance, land subdivision finance, and construction bridging loans. If it involves building on or developing property, we can most likely assist.

SFG arranges construction and development finance from $200,000 to $15,000,000. The right loan amount depends on the project type, security value, and lender appetite. Submit your scenario and Joseph Farhat will provide an indicative assessment of what is achievable.

Speed depends on the complexity of the project and the lender type. For straightforward residential construction loans, approval through a non-bank lender can be achieved within days. For development finance, the assessment process takes longer as lenders review feasibility, DA status, and pre-sales. Where urgency is a factor, SFG will identify the fastest appropriate lender from the panel.

Yes. Bank declines on construction finance are often due to policy restrictions rather than project quality: the build type falls outside standard guidelines, the borrower structure is complex, income documentation is non-standard, or the bank simply has no appetite for the asset class. SFG's panel includes non-bank lenders with different credit models, and for unique scenarios we can introduce you to private finance options. Many projects that banks decline are funded through our panel.

For most construction and development finance, a development approval (DA) or building approval is required before a lender will formally approve the facility. However, SFG can arrange site acquisition finance and pre-DA bridging for borrowers who have identified a site but are still in the approvals process. Speak to Joseph Farhat about where you are in the development lifecycle.

Submit your scenario through our enquiry form or call our office. Joseph Farhat or a member of the SFG team will review your project details, ask for any additional information needed, and provide an indicative assessment. Once we understand the project and borrower profile, we identify the right lenders and manage the application process through to settlement.