Frequently Asked Questions
Got a question?
Common questions about construction and development finance, our broker process, fees, and loan types.
Talk to usSettled Funding Group is a specialist construction and development finance brokerage based in Sydney, operating Australia-wide. We represent borrowers, including builders, developers, and property investors, and arrange finance across a panel of 90 or more bank and non-bank lenders.
We are a broker, not a lender. We do not provide the funds ourselves. We assess your project, match it to the most suitable lender, and manage the process through to your first drawdown. For unique scenarios, we can also introduce you to private finance options.
We arrange construction and development finance from $200,000 to $15,000,000. The amount available depends on the project, the security, your financial position, and the lender. Development finance is assessed on feasibility, gross realisation value, and presales rather than a simple loan-to-value ratio.
If you have a scenario ready, contact us and Joseph Farhat will give you an indicative assessment.
We arrange finance across the full construction and development lifecycle. The most common include:
- •Construction loans for residential and commercial builds
- •Owner-builder, knockdown rebuild, and custom home finance
- •Duplex, townhouse, and multi-dwelling development finance
- •Land acquisition, site acquisition, and subdivision finance
- •Commercial and industrial development finance
- •Low-doc and alt-doc construction loans for self-employed borrowers
Browse the full range under construction finance and development finance.
It depends on the lender type and the complexity of the project. For straightforward residential construction loans, a non-bank lender can approve within days. Development finance takes longer, as lenders review feasibility, DA status, and presales.
Where speed is critical, we identify the fastest appropriate lender on the panel. In urgent scenarios, finance can often be arranged within the same week.
For a construction loan, we typically need the build contract, plans, council approval, and your income position. For development finance, we need the feasibility, DA status, builder contract, and presales position. Our team guides you through exactly what each lender requires. If you have a scenario ready, contact us and we will walk you through it.
As a broker, we are typically paid by the lender on settlement, so in most cases there is no direct cost to you. Where a third party such as a valuer or quantity surveyor is required, those costs are disclosed up front and paid directly to the provider. We set out all fees and how we are remunerated in our Credit Guide before you proceed.
Yes. Bank declines on construction and development finance are often due to policy restrictions rather than project quality, such as a complex build type, a non-standard income or ownership structure, or limited appetite for the asset class. Our 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.
Yes. We are based in Sydney but arrange finance Australia-wide, across both metro and regional areas, including Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra. Lender appetite can vary by location, particularly for regional and rural sites, so we match each project to lenders active in your area.
Access to over 90+ bank, non-bank, and private lenders
