Construction Loans

Finance That Moves with Your Project

Every great project starts with a solid foundation, not just in soil, but in strategy. Whether you’re building one luxury home or rolling out a multi-unit site, getting the finance right from day one can make or break the deal.

At Vita Finance, we help developers, builders, and investors take control of the funding process, from DA through to soil turn and all the way to the finish line.

We know how lenders think. We know what works (and what doesn’t). We tailor a funding strategy that matches your project, your timeline, and your long-term goals.

  • Before we talk about lenders, we talk about feasibility.

    Too many people skip this. They race to funding and skip the part where the numbers need to work.

    Questions to ask early:

    • Does your GRV support the cost base?

    • What’s your build contract look like? Fixed price or cost plus?

    • Are your margins healthy after debt, holding costs, and GST?

    • Do you have a clean exit, sell down, hold stock, or refinance?

    It’s not about chasing money. It’s about building smart.

    We help map out a cashflow curve, stress test your assumptions and make sure we have a strong base case overview of the project and its key aspects. Once we’ve done that we start to look at it from a lender’s lens. From there, we can tailor the capital stack to get you moving, without taking on unnecessary risk or overcapitalising.

  • Development finance isn’t one-size-fits-all. Different deals need different structures, and we cover the full spectrum of asset types and stages:

    • Luxury Homes or Duplexes – High-end specs, unique lenders, tight timelines. We get it done.

    • Terraces & Townhouses – Ideal for infill sites or mid-scale builds with local demand.

    • Multi-Unit Apartments – Whether it's 4, 12 or 40 units, we help you fund and phase it properly.

    • Land Subdivisions – Raw land or approved sites, we arrange finance from acquisition to titles.

    • Industrial Projects – Warehousing, storage, logistics parks — solid fundamentals, great lending appetite.

    • Specialised Assets – Think childcare centres, boarding houses, service stations — niche builds with big upside (when structured right).

    If you’ve got a DA approved site, or you’re staring at raw dirt with a vision in your head, let’s talk through what’s possible — and what’s smart.

  • Here’s the truth: development funding is a moving puzzle. What gets approved — and on what terms — depends on:

    • The type of project

    • The developer’s experience

    • The strength of the numbers

    • And most importantly — the way it’s presented

    Lenders don’t just look at you. They look at your feasibility, your builder, your pre-sales, your margins, your exit plan. You can’t bluff your way through it — they’ll see straight through you.

    • Site acquisition finance – Secure the land with the right terms, even before DA

    • Construction funding – Drawn down in stages, aligned to your project schedule

    • Residual stock loans – Post-build funding to hold or sell stock at your pace

    • Mezzanine or Preferred Equity – To reduce cash in, or fund larger deals

    • Joint Venture and Capital Partner introductions – If you’re light on equity but high on potential

    We package up the deal to give it the best chance of success, and if it’s not fundable right now, we’ll tell you straight and work out what needs to shift so we can get shovels in the dirt!

Timing, Staging & Milestones Matter

You need funding partners who understand the realities of building. That includes:

  • Stage-based Drawdowns Tied to Progress Claims

  • Contingency Buffers for Rising Construction Costs

  • Valuation and QS Management

  • Clear Conditions for Practical Completion and Final Payments

We coordinate the moving parts, so you don’t hit bottlenecks halfway through construction. No last-minute surprises. No chasing your tail when the concrete’s drying.

Let’s make the numbers work.

We’re not just here to “get you approved”. We’re here to help you run a tight project, one that makes money, builds your reputation, and sets you up for the next one.

Whether you're building your first duplex or delivering a 50 unit block, we’ll help you plan the funding, line up the right lender, and hit each stage with confidence.

Build With a Plan, Fund with Purpose

At Vita, we think like developers, not just brokers.

We know what it takes to bring a project to life. We know where the lenders sit, how to structure the debt, and when to bring in equity partners if needed. And most of all, we know how to tell you straight when something doesn’t add up.

Let’s sit down and map out your next move. The site’s one thing, but your funding strategy is what makes the vision real, and that ultimately comes down to knowing your numbers and having a thought-out plan to bring it all to life.