Why property developers use private credit
Development is a timing business. Bank credit committees work to a policy calendar, while a development opportunity works to a contract date. Private credit exists to close that gap: we assess the site, the sponsor's track record, the feasibility and the exit — then price the risk. Envision Private arranges development-purpose loans on behalf of wholesale, sophisticated and professional investors, HNW individuals and family offices, secured by registered mortgages over Australian real property.
Common funding scenarios
- Acquiring a development site before DA or while a planning pathway is being finalised
- Bridging the gap between an unconditional purchase and bank construction approval
- Residual stock facilities against unsold apartments or townhouses on a completed project
- Equity release from a completed stage to fund the deposit on the next site
- Refinancing an expired bank facility while a sale or presale campaign runs
- Second mortgage top-ups behind an existing senior construction facility
Security we consider
- Englobo and DA-approved development sites
- Completed residual stock (apartments, townhouses, land lots)
- Commercial and industrial investment property
- Residential investment property held in a company or trust
Frequently asked questions
Do you fund development sites without a DA?
Yes. We consider englobo and pre-DA site acquisitions where the LVR is conservative, the planning pathway is credible and the exit is clearly defined.
How quickly can a developer get indicative terms?
Typically within 24 hours of receiving the deal snapshot — loan amount, purpose, security address, existing debt, term and exit strategy.
What LVR do you lend to on development sites?
Development site LVRs are assessed case by case and are generally more conservative than standard investment property, reflecting planning and market risk.
Are developer loans NCCP regulated?
No. Development and investment purpose lending sits outside the National Consumer Credit Protection Act 2009 (Cth). Envision Private is not an NCCP-regulated lender.
Important: Envision Private is not an NCCP-regulated lender. We arrange business and investment purpose loans only, funded by wholesale, sophisticated and professional investors, HNW individuals and family offices.