Real Estate & Property Finance Australia
Development finance and bridging loans for property professionals. Fast approvals, flexible amounts from $20,000, and a specialist team that understands your industry.
Finance solutions for real estate & property
- Development and construction finance
- Bridging loans
- Land acquisition finance
- Renovation and flip funding
Why Real Estate & Property Businesses Choose Shielded Finance
We understand the unique cash flow cycles and finance needs of your industry.
Industry Specialists
Our team has deep experience in real estate & property finance and can tailor solutions to your specific needs.
Fast Approvals
Get a decision within 24–48 hours. We understand that time is money in your industry.
Wide Lender Panel
We work with a broad panel of lenders to find the most competitive rates and terms for your situation.
Flexible Amounts
Access funding from $20,000 to $2,000,000, scaled to your project or business size.
No Hidden Fees
Full transparency from day one. All fees are disclosed upfront, no surprises at settlement.
Australian Based
Speak to a real Australian specialist who understands your local market and business environment.
Finance Solutions for Real Estate & Property Businesses
Property development and real estate investment in Australia require access to substantial capital at precisely the right time. Developers, builders, and property investors face a constant challenge: the gap between when capital must be deployed and when returns are realised can stretch from months to years. A residential subdivision may require land acquisition, council approvals, civil works, and construction before a single lot or dwelling is settled, tying up millions of dollars across an extended timeline.
Bridging finance is essential for property professionals who need to settle on a new acquisition before an existing property sale completes, or who must move quickly on an off-market opportunity. Similarly, development finance supports the construction phase of projects from townhouse developments to mixed-use buildings, with staged drawdowns aligned to construction milestones and interest capitalised until project revenue begins.
Shielded Finance works with property developers, investors, and real estate professionals across Australia. We understand feasibility assessments, loan-to-value and loan-to-cost ratios, presale requirements, and the nuances of development lending that mainstream banks often find too complex or risky. Our lender panel includes specialist property and development funders who can assess and approve transactions that fall outside standard bank appetite.
Common Finance Challenges in Real Estate & Property
We help real estate & property businesses overcome these obstacles with tailored finance solutions.
- Long settlement and development periods tying up capital for 12-36 months
- Bridging gaps between property purchase settlement and existing property sale
- Planning and council approval delays pushing back project timelines and increasing holding costs
- Construction cost overruns eroding project margins and requiring additional funding
- Deposit and equity requirements limiting the number of projects that can run concurrently
Recommended Finance Products
Based on the needs of real estate & property businesses, we recommend these finance solutions.
Business Loans
Unsecured and secured business loans from $20,000 to $2,000,000. Fast approvals with flexible repayment structures.
Working Capital
Short-term funding to cover operational costs, stock purchases, wages, and seasonal cash flow gaps.
Trade Finance
Fund imports, exports, and supplier payments. Bridge the gap between purchasing goods and receiving revenue.
Low-Doc Loans
Streamlined applications with minimal paperwork. Ideal when you have a strong ABN and credit history but limited financial statements.
Real Estate & Property Finance FAQ
Do you arrange bridging loans for property transactions?
Yes. Bridging finance helps cover the gap when you need to settle on a new property before your existing one sells. Loan terms are typically 6-12 months with interest capitalised, so you do not need to make repayments until the bridge is resolved.
Can I get finance for a small to medium property development?
Absolutely. We arrange development finance for projects ranging from duplex builds to multi-unit residential developments. Lenders assess your project feasibility, experience, presales, and equity contribution to determine terms and borrowing capacity.
What is needed to apply for development finance?
Typically you will need a development approval or at least a DA lodgement, a detailed feasibility study, quantity surveyor cost estimate, evidence of presales if applicable, and details of your equity or deposit contribution. We guide you through the documentation requirements for each lender.
Can I finance land acquisition before I have development approval?
Yes, though options are more limited. Some lenders will fund land acquisition at lower LVRs while you pursue development approval. We can also structure land loans with provisions for refinancing into a full development facility once approval is obtained.
How is interest handled on development finance?
Most development finance facilities capitalise interest, meaning it is added to the loan balance during the construction period rather than requiring monthly payments. Interest is then repaid from settlement proceeds when the completed dwellings or lots are sold.
Ready to Grow Your Real Estate & Property Business?
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