From Plans to Property
Whether you're building your dream home, purchasing land or undertaking a property development, the right finance is essential to bringing your plans to life.
At Formal Finance, we simplify the complexities of construction and development lending, helping you navigate lender requirements, funding structures and progress payments with confidence.
Home Construction
Building a new home involves more than securing a standard mortgage. We help you navigate construction lending, from land finance and building contracts through to progress payments and completion, ensuring your loan structure suits your project and financial circumstances.
House & Land Packages
Purchasing land and building your home often involves separate contracts, different settlement dates and staged funding requirements.
We help coordinate your finance arrangements and explore suitable lending options to support a smoother journey from land purchase to completed home.
Investment Construction
Constructing an investment property requires careful consideration of loan structure, cash flow and future investment objectives.
We help you explore suitable construction finance options, including repayment arrangements during the build and longer-term lending requirements.
Property Development
From duplex developments and townhouse projects to larger residential developments, we assist with finance solutions tailored to your project's size, structure and funding requirements.
Our approach considers construction costs, lender criteria, cash flow and the overall development strategy.
Land & Subdivision
Whether you're purchasing vacant land, subdividing an existing property or preparing a site for future development, we help explore appropriate lending solutions while considering valuation requirements, project costs and funding timelines.
Commercial Construction
Commercial construction and development projects often require more specialised funding arrangements.
We assist with exploring finance options for commercial premises, mixed-use developments and other eligible projects, taking into account lender requirements and project feasibility.