How to secure property development or construction finance with Trilogy

At Trilogy, we’re experts in property development and construction finance and have been providing tailored financing solutions to the residential, commercial, industrial and retail property sectors for more than 22 years.  

Below, we take a deeper look into some of the benefits of working with a non-bank lender and how to secure finance for your next project with Trilogy. 

About Trilogy Financing 

Trilogy provides registered first mortgage development and construction finance loans to the residential, commercial, industrial and retail property sectors. We have successfully funded hundreds of developments including land subdivisions, townhouses, unit blocks, small commercial developments, industrial complexes, prestige residential buildings, service stations, apartment buildings, retail shops and childcare centres. 

Trilogy’s Lending team and Portfolio Managers operate across key locations in South East Queensland, Sydney and Melbourne. We focus primarily on the metropolitan regions, greater-city areas, middle-ring suburbs and key regional centres.  

Why finance your next project with Trilogy?

Trilogy (and our investors) can’t prosper unless you do. As the performance of each loan underpins the returns provided to our investors, we go above and beyond to add value and ensure our borrowers projects are successful 

Borrowers who choose Trilogy benefit from limited pre-sale requirements, access to industry experience, personalised service, interest capitalisation, competitive pricing and a timely approval process. 

Limited pre-sale requirements  

We believe in backing developers with a strong track record and knowledge of the markets they’re operating in. Therefore, we consider loans based on a borrower’s property development experience, reputation, quality of the business plan and clarity of expectations set out in the loan proposal, rather than relying solely on the level of pre-sales. 


Our Lending team members collectively have more than 100 years of experience in property across commercial lending, property, development and construction, project management, quantity surveying and finance. Our Lending team can add value to your project through: 

  • Quantity surveying, project management and real estate agency services 
  • Assistance with exit strategy planning 
  • Assistance with sales through a proprietary sales management platform. 

Tailored support and personalised service

Your dedicated Portfolio Manager works directly with you from loan application and settlement through to full loan repayment to assist in the financing of your project, sell down of completed stock, and repayment of your loan. Trilogy also has a large national network of property professionals to ensure we always have the necessary consultants available to assist with your project. 

Interest capitalisation and competitive pricing

Interest is typically capitalised on loans financed through Trilogy. This means youre not required to have the cashflow to make repayments until the completion of the loan and can preserve valuable development capital for your project needs. As each loan is assessed on its individual merits, our comprehensive offer, including fees and charges, is adjusted accordingly. 

Timely Response

Developers benefit from an efficient approval process, with an indicative response to your proposal in as little as 24-48 hours, and drawdown timeframes to keep projects on track.  

Loan Profiles

We focus on loans ranging from $3 million to $20 million using funds readily available from Trilogy’s pooled mortgage fund, the Trilogy Monthly Income Trust. We may also be able to assist with additional access to funds for larger development transactions on a case by case basis.  

Our typical loan repayment period is 12 months, with a maximum of two years. 

How to apply for project development or construction finance with Trilogy

So how do you get started? The first step to securing property development or construction finance with Trilogy is to complete the loan application form or submit a project proposal. We will generally need from you: 

  • A project feasibility study 
  • Relevant DA approvals (BA/Op-works approval or construction certificate is ideal) 
  • A fixed-price construction contract 
  • Borrower details such as statement of assets and liabilities, and financial statements 
  • Substantiation of the borrower’s background and track record in construction and development. 

You can help us process your loan application as quickly as possible by providing comprehensive, well-prepared documentation. 

Once your loan application is submitted, the Trilogy team will review and provide an indicative response to your proposal in as little as 24-48 hours.  

It is important to be open and upfront when negotiating with a financier. Comprehensive due diligence is a standard part of the loan assessment process, so any information not disclosed may not be covered. 

Learn more about the next steps to obtaining finance with Trilogy > 

What should you look for in a financier?

It is important as a developer to seek a lender for your project who has: 

  • A good reputation and established track record in the property development industry 
  • A genuine capacity to manage construction progress draws. This is a very complicated process, for which Trilogy has a dedicated team 

Be wary of uncommercial terms. Loan agreements and other legal documents are binding and should always be checked by your own solicitor. 

For more information on financing your next project, talk to a member of our lending team > 

Trilogy is not a licensed credit provider and does not make loans regulated by the National Credit Code. The source of Trilogy’s 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, then please contact us. The material on this website is intended only to provide a summary and general overview on matters of interest. Trilogy is only licensed to provide general financial product advice on its own products and does not consider your objectives, financial situation or needs when providing any information or advice. You should consider whether the advice is suitable for you and your personal circumstances and we recommend that you seek personal financial product advice on your objectives, financial situation or needs and obtain and read the relevant product disclosure statement before making any investment decision. 

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