Property Development & Construction Finance
Funding structured around your project, not a lender’s standard product.
First and second mortgages, construction finance, bridging finance, structured equity and top-up capital for Australian property developers.
Tell us about your project
Send us the key details and we’ll assess whether there is a viable funding pathway.
Confidential initial project review. No obligation.
Average annual deal flow
In development finance
Capital raised in 2024
Own capital, funding partners and investors
When traditional funding doesn't cover the whole project.
Projects change. Funding structures need to move with them.
You need construction funding
Your project is ready to move into construction and requires a funding structure built around the development.
Your existing lender falls short
The senior facility does not cover the remaining capital required.
Construction costs have increased
The original finance package no longer matches the revised project budget.
You need bridging or refinancing
An acquisition, settlement, refinance or timing gap requires short-term capital.
You need additional capital
A second mortgage, top-up facility or structured equity solution may be required.
The project has changed
Valuations, timelines, presales or development conditions have moved since the original funding was arranged.
More than one source of capital.
ACM Finance is not tied to a single lender or one funding product.
We operate our own fund and work with a select group of long-term funding partners and private investors, allowing us to structure capital around the total funding requirement of the project.
Depending on the opportunity, that may include:
- 01Senior debt
- 02Second mortgage funding
- 03Construction finance
- 04Bridging finance
- 05Structured equity
- 06Top-up capital
- 07Private investor capital
THE OBJECTIVE IS SIMPLE:
Flexible funding for property developers.
Development & Construction Finance
Funding structured around construction costs, project equity, valuations, presales, feasibility and the pathway through to completion.
Bridging & Refinancing
Short-term capital for acquisitions, settlements, refinancing and transitional funding requirements.
Second Mortgage & Top-Up Capital
Additional capital where an existing senior facility does not cover the project’s remaining requirement.
Structured Equity
Equity capital for suitable development opportunities where traditional debt alone does not provide the full funding solution.
One funding relationship across the development lifecycle.
Most short-term funding solves the immediate transaction.
Then the developer has to start again when the next funding requirement arrives.
ACM Finance takes a broader view.
Where the project meets our criteria, we can consider what the next stage of funding looks like at the same time as the immediate requirement.
Acquisition
Secure or refinance the development site.
Pre-Construction
Funding around planning, documentation and preparation for construction.
Construction
Structure the capital required to progress and complete the build.
Completion
Funding through completion, sales, refinance or the agreed project exit.
Funding structures built around real developments.
Townhouse Development
$4.3M first & second mortgage facility for a seven-townhouse development
A layered senior and second mortgage facility structured to fund construction of a seven-townhouse project, with a reported LVR of 68%. The facility was structured to accommodate staged drawdowns aligned with the build program.
Funding: $4.3M
Structure: Senior Debt + Top-Up Capital
Project: 7 townhouses
Land Subdivision
$14M construction facility with no presales at drawdown
Senior construction funding for a land subdivision project structured and settled without presales in place at the time the facility was arranged, reflecting the strength of the underlying asset and feasibility.
Funding: $14m
Structure: Construction Finance
Development Project
$56.8M first & second mortgage for a major property development
A layered funding solution combining first and second mortgage capital for a large-scale development, with a reported LVR of 68%, structured across multiple capital providers to meet the full funding requirement.
Funding: $56.8m
Structure: Senior Debt + Mezzanine
We understand the project, not just the loan.
Development finance requires more than comparing interest rates.
That allows us to assess the complete transaction and determine how the funding structure needs to work around it.
OUR TEAM UNDERSTANDS:
- Development feasibility
- Construction budgets
- QS reporting
- Valuations
- Presales
- Sponsor equity
- Senior and subordinated debt
- Funding gaps
- Project timelines
- Development exits
Specialist construction finance, built on decades of property and lending experience.
We are not a volume brokerage. Our team brings direct experience across property development, construction lending, banking, legal oversight and financial analysis to every project we assess.
Founded on a niche understanding of development finance
Send us the project
Provide the site, current project stage, funding requirement, feasibility and existing capital structure.
We assess the funding pathway
Our team reviews the project, security, valuation, capital requirement and proposed exit.
We structure the capital
Where suitable, we determine the appropriate funding structure and progress the opportunity through due diligence and documentation.
Funding across Australian property development.
Something different?
Send us the opportunity and we’ll assess whether it fits our funding criteria.
- 01Residential developments
- 02Townhouse projects
- 03Apartment developments
- 04Land subdivisions
- 05Mixed-use developments
- 06Commercial property
- 07Industrial projects
- 08Development sites
- 09Property acquisitions
- 10Part-completed projects
Before you submit your project.
Depending on the project, funding may include senior debt, construction finance, bridging finance, second mortgage facilities, top-up capital and structured equity.
No. ACM Finance operates its own fund and also works with a select group of long-term funding partners and private investors. This allows us to consider multiple sources of capital when structuring suitable transactions.
Potentially. Where ACM Finance is a suitable construction funding partner for the project, the future construction requirement can be considered alongside the immediate funding need.
Yes. Where suitable, additional capital can be structured alongside an existing senior facility.
Typically: project location, funding requirement, current debt, development feasibility, valuation if available, planning status, construction status and proposed exit.
Once we receive enough information to understand the opportunity, our team can determine whether there appears to be a viable funding pathway and what further information is required.
Tell us about the deal.
Whether you are acquiring a site, starting construction, refinancing an existing facility or solving a funding gap mid-project, send us the opportunity.
We’ll assess the project, the capital requirement and whether ACM Finance can provide a viable funding pathway.
Confidential initial project review. No obligation.