Finance for residential and commercial projects, from duplexes and NDIS-compliant homes to office fit-outs and incomplete builds. Deposits typically start from around 10% to 20%, depending on the lender and the project's scale.
Project lenders judge the builder as much as the build: licence, track record, costings and how the numbers hold if sales or valuations slow. Major banks often step back from smaller or unusual projects, so second-tier and specialist lenders matter here.
| Project type | Examples |
|---|---|
| Residential | New builds, duplexes, NDIS-compliant homes |
| Commercial | Office spaces, retail fit-outs |
| Incomplete builds | Taking over or finishing a stalled project |
| Renovations and extensions | Major works for clients or on your own stock |
| Low doc | Builders without up-to-date financials |
For builders and developers funding a project.
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”
“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”
“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”
These are just some of the local suburbs we cover.
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