Development Finance Solutions

At EMC Finance, we cater for clients who seek development finance solutions. Whether you’re embarking on your first project or you’re an experienced developer, we’re here to help find the right finance option for your needs.

Development finance comes in many forms, catering to a variety of project sizes and goals. Whether you’re planning a small-scale residential project or a larger commercial development, EMC Finance can connect you with a product that aligns with your objectives.

When considering smaller developments, it’s essential to determine whether you intend to hold the property as a long-term investment or sell it upon completion. This decision significantly influences the type of financing best suited to your needs.

Before securing development finance, consider the following:

• Build-to-Sell or Hold-to-Invest: Will you sell the properties upon completion or retain them as investments?
• Pre-Sales: If you plan to sell, have you secured pre-sales to ensure financial stability post-construction?
• Comprehensive Cost Analysis: Have you obtained tenders or quotes for the entire project, including potential additional expenses?
• Extra Costs: Beyond construction quotes, have you accounted for holding costs, fees, and other unexpected expenses?

Understanding these factors is critical, and at EMC Finance, we’ll work with you to help provide the right options to your finance needs.

Development finance often comes at a premium. That’s why we focus on transparency, ensuring you understand your financial position and helping you secure a lender that aligns with your specific circumstances.

• Lower Loan-to-Value Ratios (LVR): Stronger security offers lenders confidence.
• Proven Track Record: Experience with multiple projects demonstrates reliability and preparedness.
• Pre-Sales Secured: Lenders are more confident when projects show a clear path to financial completion.

However, even if your situation doesn’t fit an ideal profile, we can explore alternative funding solutions to suit your needs.

Development finance requires careful consideration and expertise. If you’re planning a project and need financing, reach out to EMC Finance today. We’ll work with you to navigate your options and secure that finance solution.