Development Funding & Residual Stock Loans

We believe Developers are driving Australia forward and we want to help.

The positive impact of smart commercial, residential and industrial property development in Australia is felt far and wide, but not if the developments are held back by unrealistic financial requirements.


Whether you’re a first-timer or an experienced property developer looking to fund your next venture, we have funding solutions that can help you complete your development sooner. We don’t have a lengthy application process. We don’t always require pre-sales and you can get up to 100% of construction costs covered with previous credit issues considered.


Development finance options are available for:

  • Residential property developments
  • Commercial property developments
  • Industrial property developments
  • Mixed-use development
  • Land subdivisions
  • Land bank


Our development loans make better business sense:

  • Up to 65% of gross realisation for first mortgages
  • Up to 100% of construction costs covered
  • Pre sales not always required
  • Previous credit issues considered
  • Predominantly East Coast
  • Loan amounts up to $200 million (higher on application)
  • Mezzanine funding and land banking available
  • We don’t charge any up-front fees


How we provide fast, alternative funding solutions:

  • We have access to a large array of lenders including major banks, 2nd tier lenders and over 250 private funders who have more flexible lending criteria
  • We have a close relationship with our panel of Funders allowing us to expedite your application. We know that delays in funding can have a knock-on effect and we work tirelessly to achieve the results you need.
  • Our team are experienced in both the property development market and finance industry and work to meet the needs of all parties, quickly.


Residual stock loans

We know the banks have a weak appetite for high vacancy unit blocks… but we see the opportunity for you to maximise profits with market upswings and we’re happy to support you while you wait 3-12 months for the right time to move.

Don’t feel forced to sell your stock at reduced rates just to pay back your development loan. We can refinance your loan with our lenders into a short-term take out loan so you can make smarter business decisions free from constricting finance requirements.


How we’ve helped other developers:


This particular client commenced a 36-unit development initially using their own funds, expecting their existing funder to come to the party to cover any shortfall of funds. However, because pre-sales were unavailable and the client’s most recent financials had not been completed, the existing funder didn’t want to play ball. The client also owned a fully completed and leased residential development in the inner city, but this did nothing to budge the funder’s decision.


The client was concerned, to say the least, but then IBN came to the rescue with a suitable funding solution enabling the project to continue.



$6,000,000 loan sourced:

  • Low 6% rate for completed development
  • 65% LVR (Loan to Value Ratio)
  • Rental income as servicing
  • Full refinance plus considerable amount of working capital

$7,900,000 construction loan sourced:

  • For completion of 36 unit development
  • 11.25% pa
  • 69% LVR (Loan to Value Ratio), based on GRV (Gross Realisation Value)
  • Pre-sales & financials not required for servicing

See more development funding scenarios we’ve found alternative funding solutions for

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