ORLA Finance › What we finance › Development & subdivision
Small development · subdivision · townhousesTownhouses, a land subdivision, a small infill project. Development finance is priced and assessed on the project, not just on you — and the feasibility is what the lender reads first.
Development lending turns on the numbers of the project: total development cost, gross realisation, the margin between them, and how much of it is presold. A lender is underwriting whether the project works, and only then whether you can carry it.
Smaller projects — two to ten dwellings — sit awkwardly between residential and commercial lending. Some banks will not look at them. Private credit will, at a price. Knowing which door to knock on saves months.
If the feasibility does not stack, no lender fixes it. We will tell you early.
Different appetites, speeds and costs. The right one depends on the project and the timeframe.
How much presale cover a lender wants, and what counts.
Facilities for each stage, including holding unsold stock after completion.
Development has GST and ownership-structure implications. Your accountant leads; we build the lending around it.
ORLA Legal handles planning and the subdivision legals where you need them.
Costs, sale estimates, planning status and timeframe.
Bank, non-bank and private credit appetite for this project.
Rate is only part of it — line fees, terms, presale conditions and exit matter more.
Facility drawn through the build, then refinanced or repaid from sales.
Not sure you have all of it? Start anyway — we will tell you what is actually needed for your situation rather than asking for everything.
Free to you for most home loans, no obligation, and no branch visit.
Add your details and a broker will come back with your real options — free, no obligation.
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