Make development and construction finance simpler by aligning your funding strategy, tax position, and cashflow from day one.
Development and construction projects don’t fail because the idea is bad. They fail when funding timing, valuations, cost overruns, and tax decisions don’t match the real-world build program. We help Melbourne and Victoria developers, builders, and investors structure the right finance, forecast cashflow properly, and reduce avoidable tax and GST mistakes, so you can move from approval to completion with fewer surprises.
IS THIS RIGHT FOR YOU?
-
You’re about to buy a site and want to confirm the funding pathway before you go unconditional.
-
You’re building (or developing) and you’re unsure how progress payments will work in practice.
-
You’re worried the bank valuation won’t stack up at key stages (land, as-if-complete, or end debt).
-
You’ve had build costs rise and need a contingency plan without blowing out interest and fees.
-
You’re unsure whether to buy in your personal name, company, trust, or a project entity (and what that means for tax, GST, and serviceability).
-
You want a clear cashflow model so you’re not funding a “silent blowout” from your own pocket mid-build.
HOW IT WORKS
-
Project Strategy Session
We map the project: site, build type, timeframes, budget, exit strategy (sell, hold, refinance), and your current financial position. -
Funding + Structure Review
We assess the best lending pathway (bank vs non-bank, construction vs development finance), and align entity structure, GST approach, and tax outcomes. -
Cashflow + Progress Payment Plan
We build a realistic timeline for progress draws, interest, contingencies, and key risk points so you know where pressure will hit. -
Lender Selection + Submission
We package the deal properly: feasibility, costings, contracts, valuation strategy, serviceability, and supporting documents to reduce back-and-forth. -
Settlement to Completion Support
We stay involved through valuation triggers, progress draws, variations, and refinance/end-debt planning so the finance doesn’t become the bottleneck.
WHAT MAKES US DIFFERENT
-
Finance + tax under one roof → fewer blind spots
Your funding plan, GST/tax treatment, and cashflow are designed together, not in separate silos. -
Risk-first structuring → fewer “surprises” mid-build
We pressure-test valuations, buffers, and timeframes early so you’re not scrambling when something shifts. -
Progress-payment realism → smoother drawdowns
We help you understand what lenders actually require at each stage, and how to keep the build moving. -
Melbourne/Victoria context → decisions that fit the local market
From stamp duty considerations to local build conditions and timelines, we plan with what happens here (not generic theory).
Frequently asked questions
Do you help with both small builds and larger developments?
Yes. We can assist with single construction projects, dual occs, townhouse builds, and larger multi-unit projects. The key is matching the right lender and structure to your timeline, costings, and exit strategy.
What usually causes construction finance to fall over?
Most problems come from a gap between the “plan” and lender reality—valuation shortfalls, underestimated build costs, missing contingencies, or delays that blow out interest and holding costs. We focus on preventing these issues upfront.
Can you help if my builder contract has variations or costs have increased?
Yes. We’ll review what’s changed, how it impacts lender requirements and cashflow, and whether you need a restructure, top-up, staged approach, or alternative funding.
How does GST work on a development in Victoria?
It depends on the structure, intention (sell vs hold), registration, and how the project is run. Getting it wrong can create a nasty cashflow gap. We’ll help you set it up correctly and make sure the approach matches your finance plan.
How long does approval usually take?
It varies based on the lender, complexity, valuation, and how complete the documents are. In general, well-packaged deals move faster and with fewer conditions—which is why we focus heavily on submission quality.
Next Step
If you’re planning a build or development, the best time to get clarity is before you commit—or before the project hits a funding pressure point. We’ll help you map the funding pathway, confirm the structure, and identify risks early so you can move forward with confidence.
Chat with DFG today
Booking in a quick call doesn't cost you anything.