Construction loan rates 2022

Searching for a property development finance solution at a competitive rate?

At Trilogy Funds, we provide loans for property development and construction at interest rates from 7.25% p.a. (Terms & conditions apply).

For over 20 years our managed funds and private investors have enabled the successful completion of hundreds of property development projects across the residential, commercial, industrial and retail property sectors.

We are proud to be assisting mortgage brokers and commercial property developers with tailored financing across Queensland, New South Wales, Victoria and Tasmania. As at 30 April 2022, we have over 150 property projects in our loan book, including investment loans, bridging loans, and construction loans.

With funds readily available from our pooled mortgage fund, we welcome all property development finance enquiries.

For more information on our competitive finance solutions, read on.

What do our property development & construction loan interest rates depend on?

When determining the interest rate level for each borrower group, we consider various factors and the strength of each.

  1. Property development experience | We look at a borrower group’s past projects and years of experience in property development and construction to determine their capability to deliver the project at hand.
  2. Project merit | Is the proposed project designed well, suitable to market and profitable? Is there a clear marketing strategy for sell down or refinance?
  3. Risk mitigants | The loan must be secured by a first registered mortgage. Pre-sales and/or pre-commitments can also play a part in de-risking a project.
  4. Project gearing | The lower the loan-to-value (LVR) ratio, the more inclined we are to consider the loan and provide funding at our premium rate
  5. Borrower group’s financial strength | We consider the borrower group’s net-asset position and capacity to fund the project. We also seek to understand their other financial commitments.

Get in touch for a no-obligation discussion

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Other frequently asked questions (FAQs)

Why should I finance my project with Trilogy Funds?

As one of Australia’s leading non-bank lenders, our aim is to provide a competitive finance solution that is tailored to the borrower and project’s needs. Unlike some other lenders, we possess the flexibility and capacity to work closely with brokers and developers. We provide ongoing finance support from loan inception through to loan completion with a vested interest in ensuring each project delivers on its financial goals.

What types of property development projects does Trilogy Funds finance?

We provide property development and construction finance for projects across the residential, commercial, industrial and retail property sectors. This covers a range of project types, including:

  • Townhouses
  • Apartment buildings
  • Industrial complexes & parks
  • Prestige houses
  • Completed stock
  • Land sub-divisions
  • Site acquisition
  • NDIS & SDA housing
  • Commercial buildings

How can I secure a loan from Trilogy Funds at your lowest rate?

Premium pricing is offered to borrower groups with risk mitigants applied to the project. This generally includes a lower LVR, pre-commitments, and a clear strategy for sell down or refinance (among other factors).

Does Trilogy Funds have relationships with relevant consultants that can assist with my project?

We have long-term relationships with a comprehensive network of property professionals, who specialise in quantity surveying, project management, real estate agency services and more, so the necessary consultants are always on hand to assist where needed.

Once the loan is approved, we have staff who specialise in managing construction progress draws and processing contractor remittances and invoices to ensure payments are processed promptly to help keep projects progressing.

What is Trilogy Funds’ LVR limit?

Our target maximum LVR is 65% of the Gross Realisable Value (GRV) (incl. GST), and a maximum of 70% LVR on the “as-is” land value.

Does Trilogy Funds only finance projects if pre-sales have occurred?

No, pre-sales are not required for us to consider a loan.

What is Trilogy Funds’ typical loan term?

Our target loan term ranges from 12 months to a maximum 24 months.

Does Trilogy Funds provide home loans?

We do not provide loans to individuals seeking home loans as regulated under the National Consumer Credit Protection Act 2009. We work with brokers and direct property developer clients seeking development financing for commercial property only.

Does Trilogy Funds fund GST?

Yes. Subject to the borrower group being registered for GST on a monthly basis, Trilogy Funds can fund GST subject to the GST being refunded within two months (subject to certain terms and conditions). Alternatively, the borrower group can elect to pay.

Does Trilogy Funds provide loans for completed stock?

Yes, completed stock loans are available for certain projects and are assessed on a case-by-case basis.


Ready to discuss an upcoming project?

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This article has been prepared for existing and prospective borrowers and brokers and provides information only about Trilogy Funds’ lending services. Trilogy Funds Management Limited (Trilogy Funds) ABN 59 080 383 679 AFSL 261425 is not a licensed credit provider and does not make loans regulated by the National Credit Code. The source of Trilogy Funds’ loans may include managed investments schemes registered with ASIC, as well as other private lending arrangements with high net worth investors. If you would like more details on our investment opportunities, please contact us.