What documents does a development finance lender need?

Property and title documents, borrowing entity and sponsor documents, planning approvals and endorsed plans, the construction contract and program with the quantity surveyor's report, financials and serviceability evidence, and settlement items. Requirements vary by lender, product and state, so treat this as the union of what development and construction lenders commonly ask for rather than any one lender's list.

Should the pack be sent all at once or as documents come to hand?

Send the whole pack as one consolidated submission. Documents arriving in instalments restart the assessment queue: the valuer waits on the contract, the quantity surveyor waits on the construction details, and credit waits on both.

What is a gating document?

A document that stops everything else until it lands, because other parties in the assessment depend on it - the valuer waits on the contract, the quantity surveyor waits on the construction details, and credit waits on both.

Guide

Everything a development lender asks for, in one ask.

Development files stall because documents arrive in instalments. Each gap restarts a queue: the valuer waits on the contract, the quantity surveyor waits on the construction-details section, credit waits on both. This is the consolidated set, grouped the way an assessment actually consumes it. Items marked gate are the ones that stop everything else until they land.

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How to use this. Ticks are saved in your own browser only — nothing is sent anywhere and nothing is stored by us. Requirements vary by lender, product and state; treat this as the union of what development and construction lenders commonly ask for, not any one lender’s list. Send the whole pack in one consolidated submission rather than piecemeal, and where a funder has supplied its own template, use theirs. General information only, not financial product advice or credit assistance, and not an offer of finance.

Send it once, to the right lender

A complete pack in front of the wrong appetite is still a decline. We size the deal against the lenders that will actually write it, then submit it as one consolidated package.

Submit a project Size the stack first