Specialist loans for property developers
Competitive rates. Fast approval & settlement.
Need more information? Download our lending guide.
Award-winning commercial property loans, Australia
HCP (Holden Capital Partners) are a specialist, non-bank lender to the property development sector. Since 2017, our experienced team has completed loan facilities exceeding $600 million across some 200+ projects. Our funding capacity has grown and we are now providing commercial real estate loans up to $15 million.
HCP has offices to assist with commercial finance in Brisbane, Sydney, and Melbourne and we work alongside property developers throughout Australia. We can provide debt and equity solutions for all stages of a project's life cycle, ranging from site acquisition finance through to the construction phase and residual stock.
Need to secure commercial property finance for a current or upcoming project?
HCP’s ExpressFUND is a stream-lined process providing fast approvals and funding solutions. Submit your scenario via our ExpressFUND form.
Reliable and flexible commercial property finance from a specialist non-bank lender
Banks have dramatically reduced their appetite for commercial construction lending over the last few years for a variety of reasons including tightened constraints from APRA. With pre-sales also hard to achieve, non-bank alternatives have become key options for property developers to get projects up and running.
HCP has identified that while many borrowers no longer meet the criteria of the banking sector, this does not mean that those projects are not viable. Rather they require a different solution for commercial property funding from a private lender that matches the relevant risk and rewards on offer with appropriate participants.
We provide funding for residential property projects, such as commercial loans for apartment buildings , townhouses, and land subdivisions, as well as loans for industrial property , retail, and commercial developments all over Australia, with a strong focus on the eastern seaboard.
Need more information? Download our lending guide.
Our recently funded projects
47 Lot Subdivision (Stage 3)
12 mths
10.45%pa
1st Mortgage
Site Loan for 15 Townhouses
8 mths
10.45%pa
1st Mortgage
2 House Build
15 mths
9.75%pa
1st Mortgage
Ron Bakir – Homecorp
Our trusted partners
The benefits of choosing HCP
Flexible Lending
Policies
Fast
Approval
Competitive
Industry Rates
$600m in
Completed Loans
Award-Winning
Company
Experienced Team
with 200+ Projects
Ready to move forward with commercial property finance?
Our recently funded projects
Site Loan for Land Subdivision
6 mths
9.75%pa
1st Mortgage
15 Lot Subdivision
6 mths
9.75%pa
1st Mortgage
Site Loan for Land Subdivision
11 mths
9.95%pa
1st Mortgage
HCP’s commercial property loan products
Site Loans
A straight-forward solution to get your site settled or refinanced.
Key features
Loan amount
$1M – $15M
Loan term
6 – 12 months
LVR
65% – 70%
Security
1st Mortgage
Locations
Metro. Regional considered*
Fees and charges
Interest rate
from 9.5% pa
Establishment fee
from 1.5%
Monthly admin fee
from 0.04% pcm
Senior Debt Construction Loans
A "keep it simple" approach to funding your project.
Key features
Loan amount
$1M – $15M
Loan term
6 – 18 months
LVR
Up to 65% or 73% with stretch product
Security
1st Mortgage
Locations
Metro. Regional considered*
Fees and charges
Interest rate
from 9.5% pa
Establishment fee
from 1.75%
Junior Debt Construction Loans
A top-up piece between senior debt and borrower equity.
Key features
Loan amount
$1M – $10M
Loan term
6 – 18 months
LVR
Up to 75%
Security
2nd Mortgage
Locations
Metro. Regional considered*
Fees and charges
Interest rate
from 18% pa
Establishment fee
from 2.75%
Residual Stock Loans
Enables you to refinance your existing facility and affect an orderly sell down ensuring value and the resulting return on investment are protected.
Key features
Loan amount
$1M – $15M
Loan term
6 – 12 months
LVR
Up to 70%
Locations
Metro. Regional considered*
Fees and charges
Interest rate
from 9.5% pa
Establishment fee
from 1.75%
Preferred Equity Loans
Deal rich, cash poor? HCP can partner with you to help deliver your projects and enhance your return.
Key features
Loan amount
$1M – $10M
Loan term
6 – 18 months
LVR
Up to 97%
Security
2nd Mortgage or Preferred Equity
Locations
Metro. Regional considered*
Fees and charges
Coupon
from 24% pa or negotiated profit share
Establishment fee
from 2%
Monthly admin fee
from 0.2% pcm
Reverse Equity Loans
Have a project where construction funding is in place, the builder has commenced and you would like to secure your next site / project. HCP can help.
Key features
Loan amount
$1M – $10M
Loan term
12 – 18 months
LVR
Up to 75%
Security
2nd Mortgage or Preferred Equity
Locations
Metro. Regional considered*
Fees and charges
Interest rate (2nd Mortgage)
from 15% pa for low risk / low gearing
Interest rate (Preferred Equity)
from 23–26% pa
Establishment fee
from 2%
Monthly admin fee
from 0.2% pcm
Securing commercial property finance for a new or active project?
Our recently funded projects
Luxury House
8 mths
10.25%pa
1st Mortgage
47 Lot Subdivision (Stage 2)
12 mths
10.45%pa
1st Mortgage
47 Lot Subdivision (Land)
14 mths
10.45%pa
1st Mortgage
Contact the HCP team
Dan Holden
0401 669 502
Send me an email
Gary Connolly
0432 470 498
Send me an email
Natalie Hockings
Send me an email
Callum Short
Send me an email
ExpressFUND Loan Application
HCP ‘ExpressFUND’ is a streamlined process which allows developers and brokers to submit their/their clients project information and loan requirement online.