PROPERTY DEVELOPMENT LOANS GOLD COAST
Development finance from a broker who has been on the other side of it.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, DEVELOPMENT FINANCE EXPERT
Chat with Lee, your Gold Coast development finance expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Staged drawdowns built around the project.
Ground-up development, staged drawdowns and presale requirements, structured around the project's real timeline rather than a generic schedule.
2. Presale requirements matched to the lender.
Presale cover requirements vary widely across banks, non-banks and specialist lenders, and that single difference often decides whether a project proceeds this year or next.
3. A panel built for development, not home loans.
Development sits with a different panel to residential lending, and pricing spans a wide band. We find the layer of debt that suits the project rather than defaulting to a major bank.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast developers use Serres?
Development lending policy varies more between lenders than standard residential lending does, particularly on presale cover, loan-to-cost ratios and how a lender tests your end values.
We hold accreditations across a panel of 70+ banks, non-banks and specialist lenders, which matters most on development deals, where policy, not rate, decides whether a project gets funded.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
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I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
How much of my project needs to be presold?
Presale requirements vary widely between lenders, and some non-bank lenders will proceed with little or no presale cover at a different price. We match the project to a lender whose requirements you can actually meet.
What equity do I need for a development?
Development lending is sized against total development cost and end value rather than a simple deposit, so the equity required depends on your feasibility, not a fixed percentage.
Is development finance different from a construction loan?
Yes. A construction loan funds one build for the person who'll own it and is assessed on your income. Development finance funds a project built for sale and is assessed on feasibility, presales and end value.
How early should I talk to a broker about a development?
Before you commit to the site. Knowing what a lender will fund shapes what you can afford to pay for the land and how you stage the project.
