Bank Construction Finance
Access construction finance from Australia's major banks at the most competitive rates available. For developers with strong track records and projects that meet institutional lending criteria.
Key Features
Competitive Rates
Construction rates from 5% to 7.5% per annum with major banks
Major Bank Access
CBA, NAB, Westpac, ANZ, and Macquarie construction desks
Structured Facilities
Professional drawdown management and QS monitoring
Long-Term Relationships
Build a lending track record for future projects
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationMajor Bank Construction Lending
Bank construction finance offers the lowest cost of capital available for property development. Major banks like CBA, NAB, Westpac, and ANZ each maintain dedicated construction lending teams that assess and fund development projects across residential, commercial, and mixed-use sectors.
The trade-off for competitive pricing is stricter eligibility criteria. Banks typically require 70-100% presales for apartment projects, a demonstrated development track record, 30-40% developer equity, and projects in established metropolitan locations. Meeting these thresholds rewards developers with rates significantly below non-bank alternatives.
Navigating Bank Construction Lending
Each major bank has different appetite depending on project type, location, and size. CBA may favour established metro locations while NAB has strength in regional projects. Understanding each bank's current credit appetite is critical to achieving approval efficiently.
As a specialist broker, we maintain relationships with construction lending teams across all major banks. We present your project to the institution most likely to approve and offer competitive terms, saving time and ensuring your application is structured to each bank's specific requirements.
Discuss Your Bank Construction Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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Start your application today and get a response within 24 hours from our finance specialists.