Development Finance

Finance solutions that bring your property projects to life

Whether you’re building a boutique townhouse project, subdividing land, or launching a multi-storey mixed-use development — the right funding structure is critical to success. At Heritage Finance, we provide tailored development finance solutions to help property developers access capital, manage risk, and maintain momentum throughout the project lifecycle.

We work with bank and non-bank lenders to source flexible funding options, even for projects that fall outside the box. From land acquisition to construction and residual stock, we’ll help structure the right facility to meet your goals and timeline.

What we finance

We assist with development projects at all stages:

Land Acquisition Loans

Construction Finance

Residual Stock Loans

Subdivision & Civil Works Finance

What developers should consider when choosing a lender

Choosing the right lender isn’t just about the interest rate. Consider:

✅ Presales requirements

Some lenders require a certain number of units to be pre-sold before releasing funds. We can help you find lenders with more flexible requirements — or even no presale options in certain cases.

✅ Experience & track record

Your experience as a developer can significantly impact lender appetite. If you’re a first-time developer or working with a new builder, we’ll help package your proposal in the best light.

✅ Project feasibility

Lenders will want to see a feasibility report, including projected sales, build costs, timelines, and contingency buffers. We can help you prepare a professional submission.

✅ Funding structure

Some lenders will finance based on end value (GRV), others on cost. The right structure can make or break your project’s viability.

✅ Time to settlement

Speed matters in development. We can often assist with fast approvals through private lenders for time-sensitive land settlements or bridging solutions.

How Heritage Finance adds value

  • Access to a wide network of lenders — banks, private funders, and boutique financiers

  • Help with preparing professional feasibility reports and submissions

  • Insight into current market trends and lender appetite

  • Experience with complex deal structures and multi-stage funding

  • We liaise directly with valuers, quantity surveyors, and project consultants to streamline approvals

📌 We’re not just here to get you funding — we’re here to help you deliver your project successfully.

Let's talk about your next project

If you’re planning a new development or just starting your feasibility, we’d love to support you with clear advice and smart finance options tailored to your vision.

👉 Start a conversation with us today. Contact us and let’s discuss what’s possible.

Contact us