With our tailored construction loans, you’ll be ready to build when the time is right.
At AAA Mortgages we specialise in providing tailored construction loans to meet the unique needs of your project. Whether you're building a residential home or embarking on a commercial development, our expert team offers flexible financing solutions to support you from the initial planning stages through to completion.
We understand the complexities involved in construction financing and are committed to working closely with you to ensure your loan aligns seamlessly with your construction timeline and objectives.
Competitive, flexible and innovative
Commercial Property Finance solutions
Fast approvals
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Repackaging existing finance facilities
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Land Banking up to
80% LVR -
No Pre-Sales Finance
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Joint Venture Funding/ Pref Equity funding options.
Expert Knowledge
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Mezzanine Funding
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Private / Non - Conforming Lenders
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Bank Lenders
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Commercial Property Finance
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Personalised Portfolio Management
Support when you need it
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Agile decision making
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Property development finance from $500k to $500 million
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Project productivity and delivery
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Project due diligence analysis
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Project feasibility assessment
“No matter the project size or complexity, we specialise in creating custom, competitive financing strategies to meet your needs.”
Expert service that ensures you secure the best construction loan!
Melissa Ashcroft, our General Manager, is a leading expert in Construction and Development. With over 10 years of experience, Melissa has earned a reputation as the go-to professional for all bank and non-bank funding options in the building and construction industry.
Well-connected and highly regarded, she has built strong relationships with key industry partners, including valuers, quantity surveyors, project managers, builders, and architects.
Need advice? Ask our Melissa.
Roaming House Loans
Rooming houses, also known as co-living spaces, are residential properties designed to accommodate multiple tenants, each renting individual rooms while sharing common facilities like kitchens and living areas. This model offers affordable housing solutions and can provide developers with attractive rental yields.
Benefits of Investing in Rooming Houses
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High Rental Yields: Due to multiple income streams from individual tenants, rooming houses often achieve higher rental yields compared to traditional single-family rentals.
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Consistent Demand: There is a growing demand for affordable housing options, particularly in urban areas, making rooming houses a resilient investment choice.
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Portfolio Diversification: Investing in rooming houses allows developers to diversify their property portfolios, mitigating risks associated with traditional property investments.
AAA Mortgages, one of our recent specialities is in providing financing solutions for rooming house developments. Our team understands the unique requirements of these projects and can guide you through the process, from loan application to project completion. We work with a network of lenders to offer competitive rates and terms tailored to your specific needs.
Childcare Construction Loans
Childcare facility development is becoming an increasingly attractive option for property developers due to strong demand, government support, high-yield returns, and long-term lease stability.
We offer specialised funding solutions, including:
Long-Term Leases: Childcare operators often sign 10- to 15-year leases with annual rental increases, providing developers with stable cash flow.
Higher Rental Yields: Childcare facilities typically generate higher rental yields (6%-8% or more) compared to standard commercial or residential properties.
Triple-Net Lease (NNN): Many agreements are structured where the operator covers expenses like maintenance, insurance, and council rates, reducing risks for developers.
If you're a childcare developer in NSW looking for the best financing options, AAA Mortgages is your trusted partner.
Senior Debt Funding Products as At September 22nd, 2024
Regardless of the size or complexity of the project, we pride ourselves on our ability to structure and implement a custom and competitive financing strategy to meet your needs.
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SENIOR INVESTMENT LOANS
$20m - $500m -Non-Bank 4.5- 7% Margin over cash rate Bank: 1.65% margin over Cash rate.
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MEZZANINE INVESTMENT LOANS
$10m -150m - 8.95% Margin over Cash Rate
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SENIOR DEVELOPMENT LOANS
$50m - $1Billion -Non-Bank 4.5- 7% Margin over Cash Rate Bank: 1.65% margin over Cash Rate.
* IRR Spread comprising up fronts and margins. Maximum LTV/ LTC: 70 - 90%
What Our Clients Are Saying
Dale has been fantastic to work with. He listened and understood what we wanted. Came back with a proposal that covered off all that we set out to achieve. His follow up and work ethic was on point. He went above and beyond to ensure we were kept up to date all the time. Thank you for your efforts Dale. It was all very much appreciated.
Terry
Monique helped my wife and I with our investment purchase and we could not recommend her enough! She kept us informed the whole time and made the process simple. Thank you again to Monique and the AAA Mortgages team for their hard work and getting us a great result!
Sam B
World class professionals - easily the best I’ve worked with - Melissa used her creativity, problem solving and sheer hard work and persistence to find solutions to get the best loans - would recommend to my closest family.
