Construction finance, drawn on the build.
Construction finance funds a build in stages, drawn against QS-certified progress claims from site preparation through practical completion. Envision Private arranges senior construction facilities on behalf of wholesale investors for developers, owner-builders and small commercial sponsors when the bank timeline, presale hurdle, or credit profile doesn't align with a major-bank facility.
When it makes sense
- Residential townhouse, apartment and dual-occupancy builds
- Commercial, industrial and warehouse construction
- Low-presale or nil-presale residential projects
- Owner-occupier custom home construction (business-purpose only)
- Refinancing a stuck construction loan mid-build
- Cost overrun and top-up facilities behind an existing construction lender
Indicative loan parameters
| Loan size | $1,000,000 – $50,000,000+ |
| LVR / LVC | Up to 70% GRV / 80% LVC |
| Term | 6 – 24 months |
| Draws | Progress-based, QS certified |
| Security | 1st mortgage, builder tripartite, GSA |
| Purpose | Business / investment only (non-NCCP) |
How the process works
- Deal snapshot — site, DA, builder, fixed-price contract, feasibility.
- Indicative terms — 24–72 hours.
- QS review — quantity surveyor initial cost report.
- Credit approval & docs — facility agreement, mortgage, tripartite.
- Drawdowns — monthly QS-certified progress claims.