Finance for your project, arranged.

We arrange and structure finance for developers, investors and business borrowers, and place it with the lenders whose policy actually fits the deal. Residential and investment home loans are arranged by Siare too, as an authorised credit representative under Connective's Australian Credit Licence 389328.

How we work

What we arrange.

Siare structures and places finance for developers, investors and business borrowers. We are the arranger, not the lender — every facility is assessed, underwritten and funded by the lender whose policy fits your deal. Our job is building the case, running the process and negotiating the terms.

Six areas cover most of what comes through the door: construction and development debt, bridging finance, second mortgages and mezzanine, residual stock, and commercial and corporate debt. Residential and investment home loans are arranged separately, by our associated mortgage broking business.

The six areas

Six areas we arrange.

01

Development & construction finance

Capital stacks for new builds — senior, stretch senior and mezzanine debt, sourced and sequenced together, with the feasibility reviewed against what a lender will actually test.
Development and construction finance →
02

Bridging finance

Short-term debt for a settlement date, a purchase before a sale, or a valuation that has not landed yet. Sized against the asset as it stands and a named exit.
Bridging finance →
03

Second mortgages & mezzanine

Subordinated debt behind an existing first mortgage — including interstate and cross-collateralised security — to bridge a gap without refinancing the whole facility.
Second mortgages & mezzanine →
04

Residual stock finance

Refinancing completed, unsold stock so a construction facility can be repaid without a fire sale, while you weigh a sell-down, a hold, or a blend of both.
Residual stock finance →
05

Commercial & corporate debt

Term debt, working capital, trade and asset finance for companies, trusts and business-purpose borrowers, tested across bank and non-bank lenders.
Corporate & commercial debt →
06

Residential & investment home loans

Buying, building, renovating or refinancing a home or investment property. Arranged by Siare as an authorised credit representative under Connective's Australian Credit Licence 389328.
Home loans →
Buying, building or refinancing your own home? That is regulated consumer credit, arranged by Siare as an authorised credit representative under Connective's Australian Credit Licence 389328 — a separate regime from the business-purpose arranging on this page.
Residential & investment home loans
The process

How a mandate runs.

01

Tell us the deal

Send the site, project or facility details and what you are trying to achieve. We scope what is realistically fundable before anything goes further.
02

We package the case

Feasibility, security, borrower position and exit evidence, prepared the way a credit team actually assesses a file — not the way it is easiest to write.
03

We run the market

Your deal goes to the lenders whose policy fits, tested competitively across bank, non-bank and private credit balance sheets rather than placed with the first one that says yes.
04

Terms are negotiated

Pricing, covenants, security and review events negotiated on the points that bite later, not just the headline number.
05

Drawdown and settlement

For construction facilities, progress claims, QS drawdowns and lender queries managed through to completion. For other facilities, through to settlement.
06

We stay engaged

Covenant monitoring, extensions, refinancing and workouts, for as long as the facility is live.
Sectors

We know your sector.

Residential, commercial, industrial and specialised assets — we have structured and placed debt across all of them.

Residential

Townhouses, apartments and multi-unit developments across Australia.

Commercial

Office, retail and mixed-use projects with proven income streams.

Industrial

Logistics, manufacturing and warehouse assets with strong fundamentals.

Specialised

Aged care, student housing and complex structures others won't touch.
Track record

Deals that show how we work.

Individual past transactions, included to show how the assessment and the process were handled. They are not offers, benchmarks, or an indication of what any other transaction may achieve.

Bridging

Moama, NSW

An $800,000 six-month bridging facility on an approved development site, committed on a fully evidenced package before the GRV valuation had even been instructed.
Read the Moama case study →
Second mortgage

WA & VIC

A second mortgage placed across security in two states, pre-solving Western Australia's wet-ink execution requirement so settlement stayed on schedule.
Read the WA/VIC case study →
Residual stock

Mosman, NSW

A $12.6M residual stock facility against an $18M Savills-appraised asset, with pricing argued directly with the lender's credit and client-partnerships teams.
Read the Mosman case study →
Construction

Newport, VIC

$301,364 of cost-to-complete allowance released mid-build within 48 hours, after an evidence-based escalation reversed a lender's default no.
Read the Newport case study →
Exit planning

Altona North, VIC

A duplex delivered five months early, with the exit planned ahead of completion — one dwelling sold at auction, one refinanced onto a residual stock facility.
Read the Altona North case study →

More completed files sit on our track record.

Tools & reading

Model the numbers before you submit.

Calculators to sanity-check a structure before it goes to a lender, and further reading on the areas we are asked about most.

Development Finance Calculator

Model a capital stack →

Bridging True-Cost Calculator

Work out the real cost of a bridge →

Second Mortgage Sizing Calculator

Size a second mortgage against your security →

Residual Stock Decision Tool

Weigh sell, hold or refinance →
01
Senior debt finance explained: structuring the right facility for your development
02
How to use mezzanine finance to reduce equity on your next project
03
Second mortgage vs caveat loan: instruments, consents and sequencing
04
Residual stock finance in Australia: how developers refinance unsold dwellings
Get started

Put your project in front of the right lender.

Siare arranges and structures finance for developers, investors and business borrowers — construction, bridging, mezzanine, residual stock and commercial debt, placed with the lenders whose policy actually fits. You deal directly with the people who run your mandate, start to settlement.

Start a conversationSee our track record

General information for business and investment purposes only, and it does not consider your objectives, financial situation or needs. This is not financial, credit, tax, legal or accounting advice, and nothing on this page is an offer of finance. All finance is subject to lender assessment, credit criteria, satisfactory valuation, security and documentation. Case studies describe individual past transactions and are not a guarantee, benchmark or prediction of any future outcome. Residential and investment home loans are regulated consumer credit, arranged by Siare as an authorised credit representative under Connective's Australian Credit Licence 389328. Obtain your own independent legal, tax and accounting advice before entering into any transaction.