Property development finance funds the construction of multiple dwellings or a subdivision rather than a single home. It draws down in stages against the build program, is priced on the project rather than just your income, and is assessed on feasibility, builder capability and end value.

Around Logan it is most often used for duplex and townhouse projects in established suburbs including Springwood, Slacks Creek, Woodridge and Kingston, and for small land subdivisions through the growth corridors at Yarrabilba, Logan Reserve and Park Ridge.

Dual occupancy sits between the two and is a common Logan strategy, though lender treatment of secondary dwelling income varies sharply.

Cube Home Loans compares 60+ lenders including non-bank and private construction funders from 3/3986 Pacific Highway, Loganholme. Call 1800 774 756.

Most development lenders work to a loan to cost ratio rather than a simple deposit. Expect to contribute roughly 20% to 35% of total project cost, with the balance funded progressively as construction advances. Larger or more complex projects sit at the higher end.

Your contribution does not have to be cash. Equity already held in the development site is commonly counted, which is why Logan landowners in areas like Logan Village, Buccan and Chambers Flat often fund a first project without selling anything. Equity in an existing Logan home can serve the same purpose.

Presales can materially reduce the equity required.

We structure the equity position before you commit to a contract, so the numbers are tested early rather than at approval. Talk to Nevada and the team.

It depends on the lender and the size of the project. Small Logan developments of two to four dwellings can often be funded with no presales at all, particularly through non-bank lenders that assess on end value and borrower strength.

Larger projects are different. Major banks typically want presale coverage of the debt before they will settle, which can mean selling a meaningful share of stock off the plan before a slab is poured.

That gap between lender types is where broker selection earns its keep. Rather than reshaping a project around one bank's policy, it is usually faster to find the funder whose policy already fits the presale position you have.

Cube Home Loans compares 60+ lenders across the Logan and greater Brisbane market, including private construction funders retail branches cannot access.

Beyond the interest rate, budget for an establishment or line fee, a quantity surveyor report to verify the build budget, progressive drawdown inspection fees, valuations on both an as-is and on-completion basis, and legal and settlement costs. Some lenders also charge an exit or release fee per lot.

Interest during construction is usually capitalised into the facility rather than paid monthly, which protects cash flow but must be built into the feasibility from day one.

Logan projects also carry Logan City Council infrastructure charges, which vary by dwelling type and location and are a common cause of feasibility blowouts on first projects.

We work through the full cost stack before you go to market for finance, which is generally cheaper than discovering a gap at drawdown. Call 1800 774 756.