Brisbane · development & construction finance
Property development finance in Brisbane
We package development and construction finance for Brisbane developers — structured from the lender’s side of the table by a former registered valuer.
BluCow Capital advises Brisbane developers on how to fund a project end to end. Our edge is simple: founder Sorren Perridge assessed development deals for the banks as a registered valuer, so we present a submission the way a credit team wants to read it — and that is what earns better terms.
The Brisbane development market
Brisbane’s development pipeline is broad: inner-city and middle-ring apartments, a deep townhouse and small-lot market across the middle suburbs, commercial and mixed-use through the inner city and around transit nodes, and fast-growing land, childcare and service-station demand in the Moreton Bay, Logan, Ipswich and Redlands growth corridors. With the 2032 Games driving infrastructure and confidence, lender appetite is active but selective.
Finance for every Brisbane project type
Whatever you are building, we package the debt and equity to suit the asset and the local lender appetite:
Apartments
High-rise and mid-rise residential funding.
Townhouses
Medium-density infill and estates.
Land subdivision
Staged civil works and titles.
Childcare centres
Early learning, valued on lease.
Service stations
Fuel, convenience and QSR pads.
Commercial
Office, retail, industrial and mixed-use.
What Brisbane lenders look at
Brisbane lenders focus on genuine developer equity and track record, an experienced builder with capacity, acceptable presale or lease support for the asset class, planning certainty, and a conservative, evidence-based exit. Get those right and bank debt is available at a keen rate; where a bank won’t stretch, private credit fills the gap.
The structures we arrange
We arrange the full capital stack so your equity is used where it earns the most:
- Senior debt — the base construction facility, priced on the lower of an LVR and LTC test.
- Stretch senior — one facility pushed to a higher leverage point.
- Mezzanine finance and preferred equity — to fill the gap above senior and preserve your cash.
- No-presale finance — to start construction without qualifying presales.
- Residual stock finance — to release equity from completed, unsold stock.
A typical Brisbane funding scenario
A middle-ring Brisbane townhouse project of, say, $14.5m end value on a $10m cost base might be funded with senior debt to around 65% of cost plus a small mezzanine layer to bridge the presale-driven equity gap — improving return on equity without over-gearing. You can model your own numbers in our residential, commercial, service station and childcare feasibility calculators, then send us the deal for a considered view.
Frequently asked questions
Are you a Brisbane-based finance broker?
We’re a Queensland-based development finance advisory that works closely with Brisbane developers, and we fund projects across the state and Australia-wide.
What kinds of Brisbane projects do you finance?
Townhouses and small-lot housing, apartments, land subdivision, commercial and mixed-use, and specialty assets like childcare centres and service stations — generally above $5m gross realisation.
Can you help if a bank has declined my Brisbane development?
Frequently, yes. A decline is often about structure or presentation rather than the deal itself. We re-package it and, where needed, take it to private credit.
How do repayments and fees work?
Interest is typically capitalised into the facility over the build; our brokerage is charged per facility (from 1.0% + GST on senior, minimum $20k + GST), net of any lender commission.
Figures and examples are illustrative only — every deal is assessed on its merits.