# Settled Funding Group > Settled Funding Group is a specialist construction and development finance brokerage based in Sydney, operating Australia-wide. The legal entity is JCF Capital Pty Ltd trading as Settled Funding Group, Credit Representative Number 496121 of YBR Aggregation Pty Ltd (Australian Credit Licence 390261). Led by director Joseph Farhat, the firm represents borrowers (builders, developers, and property investors) and arranges finance across a panel of 90 or more bank and non-bank lenders. Loan sizes range from $200,000 to $15,000,000. Settled Funding Group is a broker, not a lender: it does not provide the funds itself, and for unique scenarios it can introduce borrowers to private finance options. ## About Settled Funding Group helps clients secure construction and development finance by matching each project to the most suitable lender from a broad panel. The firm covers the full lifecycle: land and site acquisition, residential and commercial construction, multi-dwelling and large-scale development, and the loan structures that support them. All finance is arranged on the borrower's behalf. Settled Funding Group acts in the borrower's interest, not the lender's, and is typically paid by the lender on settlement, so in most cases there is no direct cost to the borrower. ## Construction Finance Finance for building on a single site or at small residential scale, where the borrower intends to occupy or hold the property. Assessed on the borrower's position and the on-completion value. - [Construction Finance (overview)](https://settledfunding.com.au/construction-finance): Hub for every construction loan type across residential, specialised, and rural builds. - [Construction Loans](https://settledfunding.com.au/construction-finance/construction-loans): Staged progress-payment loans for residential and commercial builds. - [Owner-Builder Construction Loans](https://settledfunding.com.au/construction-finance/owner-builder-construction-loans): Finance for licensed owner-builders managing their own build. - [Knockdown Rebuild Finance](https://settledfunding.com.au/construction-finance/knockdown-rebuild-finance): Demolish and rebuild on an existing block. - [House Construction Finance](https://settledfunding.com.au/construction-finance/house-construction-finance): Finance to build a new home on owned land. - [House and Land Package Finance](https://settledfunding.com.au/construction-finance/house-and-land-package-finance): Combined land and construction finance for new estates and custom builds. - [Duplex and Dual Occupancy Finance](https://settledfunding.com.au/construction-finance/duplex-dual-occupancy-finance): Construction finance for two-dwelling builds. - [Granny Flat Finance](https://settledfunding.com.au/construction-finance/granny-flat-finance): Finance to build a secondary dwelling on an existing property. - [Renovation Finance](https://settledfunding.com.au/construction-finance/renovation-finance): Finance to renovate, extend, or structurally improve a property. - [Low-Doc Construction Loans](https://settledfunding.com.au/construction-finance/low-doc-construction-loans): Alternative documentation finance for self-employed and complex income. - [SMSF Construction Loans](https://settledfunding.com.au/construction-finance/smsf-construction-loans): Construction finance within a self-managed super fund. - [Construction Bridging Finance](https://settledfunding.com.au/construction-finance/bridging-finance): Short-term bridging for site acquisition, completion, and residual stock. ## Development Finance Finance for development projects built to sell or lease for profit. Assessed on project feasibility, gross realisation value, loan to cost, and presales. - [Development Finance (overview)](https://settledfunding.com.au/development-finance): Hub for every development finance type across residential, commercial, and industrial projects. - [Property Development Finance](https://settledfunding.com.au/development-finance/property-development-finance): Development facilities for multi-dwelling and commercial projects. - [Townhouse Development Finance](https://settledfunding.com.au/development-finance/townhouse-development-finance): Finance for townhouse developments of 3 to 20 dwellings. - [Apartment Development Finance](https://settledfunding.com.au/development-finance/apartment-development-finance): Finance for apartment projects from boutique to mid-rise. - [Multi-Dwelling Finance](https://settledfunding.com.au/development-finance/multi-dwelling-finance): Finance for multi-dwelling residential development across all sizes. - [Land Acquisition Finance](https://settledfunding.com.au/development-finance/land-acquisition-finance): Finance to acquire a development site before construction. - [Land Subdivision Finance](https://settledfunding.com.au/development-finance/land-subdivision-finance): Site acquisition and subdivision finance for residential lots. - [Industrial Development Finance](https://settledfunding.com.au/development-finance/industrial-development-finance): Finance for warehouses, factories, and logistics facilities. - [Childcare Construction Finance](https://settledfunding.com.au/development-finance/childcare-construction-finance): Finance to build purpose-built childcare centres. - [NDIS Housing Finance](https://settledfunding.com.au/development-finance/ndis-housing-finance): Development finance for NDIS-compliant Specialist Disability Accommodation. - [Boarding House Finance](https://settledfunding.com.au/development-finance/boarding-house-finance): Development finance for boarding houses and rooming accommodation. - [Non-Bank Development Finance](https://settledfunding.com.au/development-finance/non-bank-development-finance): Development finance from non-bank lenders for projects outside bank policy. ## Case Studies Real funded outcomes across construction and development finance. - [Case Studies](https://settledfunding.com.au/case-studies): All published client success stories. - [Ashfield 30-Room Boarding House](https://settledfunding.com.au/case-studies/ashfield-boarding-house-no-doc-private): $10.5M no-doc private facility for a boarding house development. - [Drummoyne Luxury Duplex](https://settledfunding.com.au/case-studies/drummoyne-luxury-duplex-major-bank): $5M major bank construction loan for a premium duplex. - [Five Dock Duplex Rescue](https://settledfunding.com.au/case-studies/five-dock-duplex-rescue-refinance): $4.5M private lender facility to rescue and complete a stalled duplex. - [Miranda Duplex](https://settledfunding.com.au/case-studies/miranda-duplex-no-doc-private-loan): $3.36M no-doc private duplex construction loan. - [Hurstville Luxury Home](https://settledfunding.com.au/case-studies/hurstville-luxury-home-major-bank): $2.9M major bank construction loan for an owner-occupied home. - [Wallsend Townhouses](https://settledfunding.com.au/case-studies/wallsend-townhouses-built-to-hold-private-lender): $2.5M non-bank facility for four townhouses built to hold. - [Blacktown House and Granny Flat](https://settledfunding.com.au/case-studies/blacktown-house-granny-flat-alt-doc): $1M alt-doc construction loan for a house and granny flat. - [Gymea Construction Shortfall](https://settledfunding.com.au/case-studies/gymea-construction-shortfall-second-mortgage): $300K no-doc second mortgage settled in 6 days. ## Key Information - [About](https://settledfunding.com.au/about): About Settled Funding Group and director Joseph Farhat. - [Contact](https://settledfunding.com.au/contact): Enquire about construction or development finance. Phone 0404 122 353, email info@settledfunding.com.au. - [FAQ](https://settledfunding.com.au/faq): Common questions about products, process, and criteria. - [Resources](https://settledfunding.com.au/resources): Guides on construction and development finance. ## Coverage Based in Sydney, New South Wales. Operates Australia-wide across metro and regional areas, including Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra, as well as regional centres such as Newcastle, Wollongong, Geelong, Gold Coast, Sunshine Coast, and Toowoomba.