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Remara Principal Finance /

Development & Construction Finance

Download Application Group 5 Copy 3

Overview /

Acquisition or construction/development finance for residential, retail, industrial or office property. Our experienced team provides tailored, competitive and market leading solutions to get your project moving. With flexible lending criteria and a fast approval process, we’re here to help you make your project a success.

We adopt a holistic approach to lending, focusing on key aspects such as the borrower’s property development experience, the quality of the project, risk mitigation strategies, project leverage, and the financial robustness of the borrower group.

Committed to ensuring that every property project in our portfolio meets its financial objectives, our team is dedicated to supporting you throughout the entire loan process, from the initial stages to project completion, providing customised loan assistance where necessary.

  • 01
    Approvals within 48 hours

    Our team can provide indicative offers to loan applications within 48 hours; settlements inside 3 weeks.

  • 02
    Competitive Terms and Conditions

    Our terms and conditions are market leading considering both price and non-price factors such as service, structure and reliability, up to 75% LVR. No QS for loans under $3,000,000.

  • 03
    Certainty of Funding

    Backed by Australia’s big banks, superannuation funds and a strong and growing investor base, we are well-capitalised with funds are readily available.

Finance options

Quickly review our of property loan options. Understand interest rates, and identify the best loan options to support your business.

Ideal for Investment Loans including Residual Stock, Pre-Development and Bridging

Current Interest Rate
Loan-to-value ratio Loans <$7.5m Loans >$7.5m
65% LVR 8.25% 8.75%
70% LVR 8.75% 9.25%
75% LVR 9.25% 9.75%
80% LVR 9.75% n/a
Requirements

Maximum LVR (ex GST)

80%

75%

Security Type

All, excluding operating assets3

All, excluding operating assets2

Acceptable Security

Registered First Mortgage

Director(s) Guarantee

General Security Deed

Registered First Mortgage

Director(s) Guarantee

General Security Deed

Maximum LTC

n/a

n/a

Maximum Loan Term

5 years3

5 years3

Minimum Loan Term

3 months

3 months

Pre Sales

n/a

n/a

Repayment

1) Interest only (serviced)4
2) Capitalised

1) Interest only (serviced)4
2) Capitalised
Fees

Line Fees

n/a

n/a

Establishment Fee

1.50%5

1.50%5

Application Fee

Nil

Nil
Additional Information

Broker Trail

0.25% on drawn balance

0.25% on drawn balance

Evidence of servicing via

Accountant’s letter confirming ability to meet interest6

Accountant’s letter confirming ability to meet interest6

Valuation

Panel Valuer

Panel Valuer

QS

n/a

n/a

  1. < $3,000,000 single dwelling / duplex, can be owner / builder
  2. Security can be in the form of an operating asset with a lease or agreement for lease in place, we can’t lend against “business value”; we lend against the property value
  3. Residual Stock maximum terms 12 months
  4. For leased assets, 1.2x actual cover
  5. 1.50% inclusive of 0.50% pay away to Broker
  6. Confirmation that ATO obligations are current. If ATO arrears exist, they are capitalised within the 75% LVR
  7. Panel valuers include: M3, Ray White, Opteon, Hymans, Egans, Property Logic Valuers, Expert Valuation Services, Core Logic, Charter Keck Cramer, Civic MJD, Robertson & Robertson, Valuations TAS, PRP, Armstrong Biggs Fallon, Urbis, Collins Property Valuations, Valworxs
  8. Panel QS include: High B Gage, Property & Building Assessments, J A Quantity Surveyors, Mitchell Brandtman, Construction Consultants, Melbourne Quantity Surveyors, Napier & Blakeley, Archi-QS, RICQS, Alternative Venture Management, Newton Fisher
  9. No QS for fixed price build cost, loan < $3,000,000 (valuer used for site inspections, $600 per visit)
+ Show details

Ideal for Site Acquisition & Construction1

Current Interest Rate
Loan-to-value ratio Loans <$5m Loans >$5m
65% LVR 8.95% 9.25%
70% LVR 9.45% 9.75%
75% LVR 9.95% 10.25%
80% LVR n/a n/a
Requirements

Maximum LVR (ex GST)

75%

75%

Security Type

All, excluding operating assets2

All, excluding operating assets2

Acceptable Security

Registered First Mortgage

Director(s) Guarantee

General Security Deed

Builder Tripartite ($3,000,000+ loans)

Registered First Mortgage

Director(s) Guarantee

General Security Deed

Builder Tripartite ($3,000,000+ loans)

Maximum LTC

80%

80%

Maximum Loan Term

24 Months

24 Months

Pre-Sales

Nil

Nil

Repayment

Capitalised

Capitalised
Fees

Loans <$5m

Loans >$5m

Line Fee

Nil

1.50%+

Establishment Fee

1.50%5

POA
Additional Information

Broker Trail

0.25% on drawn balance

0.25% on drawn balance

Evidence of servicing via

n/a

n/a

Valuation

Panel Valuer

Panel Valuer

QS

No for loans < $3,000,0009

No for loans < $3,000,0009

  1. < $3,000,000 single dwelling / duplex, can be owner / builder
  2. Security can be in the form of an operating asset with a lease or agreement for lease in place, we can’t lend against “business value”; we lend against the property value
  3. Residual Stock maximum terms 12 months
  4. For leased assets, 1.2x actual cover
  5. 1.50% inclusive of 0.50% pay away to Broker
  6. Confirmation that ATO obligations are current. If ATO arrears exist, they are capitalised within the 75% LVR
  7. Panel valuers include: M3, Ray White, Opteon, Hymans, Egans, Property Logic Valuers, Expert Valuation Services, Core Logic, Charter Keck Cramer, Civic MJD, Robertson & Robertson, Valuations TAS, PRP, Armstrong Biggs Fallon, Urbis, Collins Property Valuations, Valworxs
  8. Panel QS include: High B Gage, Property & Building Assessments, J A Quantity Surveyors, Mitchell Brandtman, Construction Consultants, Melbourne Quantity Surveyors, Napier & Blakeley, Archi-QS, RICQS, Alternative Venture Management, Newton Fisher
  9. No QS for fixed price build cost, loan < $3,000,000 (valuer used for site inspections, $600 per visit)
+ Show details

Real Estate

  • Scott Morgan, Head of Real Estate Credit at Remara

    Scott Morgan

    Head of Real Estate Credit
  • Zane Alexander, Remara

    Zane Alexander

    Credit Analyst

Frequently asked questions

What type of property development projects can be financed?

We offer financing solutions for commercial property development and construction across various sectors, including residential, commercial, industrial, and retail. This may include:

– Townhouses
– Apartment complexes
– Industrial parks and facilities
– Land subdivisions
– Site acquisition
– NDIS and SDA housing
– Commercial buildings

Do you have relationships with industry consultants who can assist with a project?

We have strong, long-term relationships with a wide-ranging network of property professionals including quantity surveyors, project management specialists and real estate agency services. This ensures that the necessary consultants are readily available to provide assistance whenever it’s required.

After the loan is approved, our team includes specialists who manage construction progress draws and handle contractor remittances and invoices. This ensures that payments are processed quickly, helping to keep projects on track.

Is finance only avialable on projects if pre-sales have occured?

No, pre sales are not a requirement to secure property development and construction finance through Remara.

Is financing available for completed stock?

Yes, financing is available on a case by case basis. Please enquire with our team to find out more.

Do you have a project you’re
seeking funding for?

Download an application or talk to our team today about how we can tailor a construction or development finance solution for your project.

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This information is a general description of Remara only. Before acting on any information, you should consider the appropriateness of it having regard to your particular objectives, financial situation and needs and seek advice. No information set out above constitutes advice, an advertisement, an invitation, a confirmation, an offer or a solicitation, to buy or sell any security or other financial, credit or lending product or to engage in any investment activity, or an offer of any banking or financial service. Some products and/or services mentioned on this website may not be suitable for you and may not be available in all jurisdictions. All securities and financial products or instrument transactions involve risks. Past performance of any product described on this site is not a reliable indication of future performance.

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