Borrowers

We lend from $200,000 up to $10 million per facility. The exact limit depends on the project, security offered, and your experience. Talk to our team for a same‑day indication.

Loans are fixed‑rate, interest‑only, paid in advance. Rates generally range from 9.5 % to 12.5 % p.a., determined by LVR, project risk, and sponsor track record. A formal term sheet will confirm the final rate once due diligence is complete.

Yes. You can discharge the loan at any time. We’ll calculate interest to the payoff date and issue a final payout figure. Call us on (08) 8312 5960 to arrange an early‑repayment statement.

Indicative terms within 24 hours, credit approval in 3‑5 business days, and settlement in as little as 10 days, subject to valuation and legal due diligence.

We primarily fund residential and mixed-use developments, including townhouses, low- to mid-rise apartments, and small-scale subdivisions. We work with experienced developers who need fast, strategic capital to move from acquisition through to completion. Our focus is on real, deliverable projects with a clear exit strategy and first mortgage security.

Yes, but only where there’s a clear DA in place or a well-defined build strategy. We assess land deals on a case-by-case basis and prioritise projects with an identifiable path to construction or value uplift. Our capital is designed to support active development, not passive land banking.

Yes. While our focus is on metropolitan and outer-metro areas in South Australia, we also consider projects in other Australian capital cities and regional growth corridors on a case-by-case basis.

While we prefer borrowers with a proven track record, we will consider projects by first-time developers if they engage reputable builders, consultants, and project managers, and can demonstrate a sound understanding of their exit strategy.

Link provides short to medium-term loans secured by first mortgages over Australian property. We specialise in loans for property acquisition, construction, and development, typically up to $10 million with a maximum 70% Loan-to-Value Ratio (LVR). Our loans are interest-only, with flexible terms suited to property developers and experienced investors.

Our standard maximum LVR is 70% of the property’s “as is” value or Gross Realisation Value (GRV) for construction loans. Lower LVRs may apply depending on project risk, location, and borrower experience.

We only offer first mortgage loans. We will take a registered first mortgage over the subject property and may require personal or director guarantees. In some cases, additional security may be requested depending on project risk.

An exit strategy explains how you plan to repay the loan at maturity, whether by selling the completed project, refinancing with a long-term lender, or other means. A clear, realistic exit strategy is critical for approval.

We pride ourselves on our agility. Conditional approval can often be issued within 48 hours of receiving your complete application and supporting documents. Formal approval and documentation typically follow within 7–14 days, depending on valuation and due diligence processes.

You’ll need to provide:

• ID documents for all borrowers and directors
• Company and trust documents (if applicable)
• Detailed project summary
• Development approvals or plans
• A statement of assets and liabilities
• Recent financials (if available)
• Exit strategy details (e.g. sale, refinance)

We’ll supply a full checklist tailored to your deal after your initial enquiry.

Yes. We engage an independent, accredited valuer from our approved panel. You’ll be responsible for the valuation fee, which typically ranges from $1,500–$3,500 depending on property size and complexity.

In addition to interest, standard costs may include:

• Establishment fee (usually 1.50%–2.50% of the facility limit)
• Valuation fees
• Legal documentation costs
• Line or drawdown fees (if applicable)

We’ll provide a transparent fee summary with your conditional approval.

In many cases, yes. We can capitalise interest and fees into the facility limit, reducing the need for upfront cash contributions. This allows you to preserve liquidity during your project.

Once formal approval is complete, drawdowns are processed upon receipt of a quantity surveyor or project manager’s progress certificate. Funds are usually released within 48 hours of approval.

We understand development timelines can shift. We’ll work with you proactively. Extensions are assessed on a case-by-case basis, usually requiring payment of an extension fee and updated valuations or project updates.