Why partner with us?

  • Fast loan approvals and turnaround
  • Tailored property development finance

  • Up to 90% funding of total cost of property development
  • Creative funding solutions
  • Flexible interest payment options
  • Competitive pricing
  • Lower requirement for construction loan pre-sales
  • Early equity release
  • Dedicated Relationship Management Team
  • Access to networks and expertise
  • Collaborative and fair approach
  • Ability to partner with purpose with the Payton Foundation

Financing solutions

Business cashflow – providing working capital to borrowers, or to refinance an existing facility
LVRUp to 75%
Eligible securityResidential, commercial or industrial improved properties
Security typeFirst and second registered mortgage
Security locationAustralia wide, CBD, metropolitan and major regional
Repayment structureInterest only options include prepaid, capitalised or monthly
Loan terms3 months up to 3 years
Establishment feesNegotiable
Development Site – finance to assist with the acquisition or refinance of land to prepare the land for development
LVRUp to 60%
Eligible securityInfill or englobo land, ideally that already has, or is in the process of applying for, a development permit
Security typeFirst and second registered mortgage
Security locationAustralia wide, CBD, metropolitan and major regional
Repayment structureInterest only options include prepaid, capitalised or monthly
Loan terms3 months up to 3 years
Establishment feesNegotiable
Construction Projects -finance for construction (built form and broadacre land subdivision) on a progressive monthly draw down, cost to complete basis.
LVRUp to 70% of NRV
Eligible securityProperty with an approved planning permit for a residential, commercial or industrial development
Security typeRegistered first mortgage
Security locationPreference for Victoria, New South Wales and Queensland metropolitan or key regional location
Repayment structureInterest is capitalised into the facility
Loan terms6 months up to 3 years
Establishment feesNegotiable
Pre-salesRelative to project exit strategy, typically nil to 30% GRV
Mezzanine – second ranking construction finance facility, reducing borrower’s initial equity contribution requirements
LVRUp to 80% of LVR or 90% of TDC
Eligible securityProperty with an approved planning permit for a residential, commercial or industrial development
Security typeRegistered second mortgage
Security locationPreference for Victoria, New South Wales and Queensland metropolitan or key regional location
Repayment structureInterest is capitalised into the facility
Loan terms6 months up to 3 years
Establishment feesNegotiable
Pre-salesRelative to project exit strategy, typically nil to 30% GRV
Preferred equity
LVRUp to 80% of LVR or 90% of TDC
Eligible securityProperty with an approved planning permit for a residential, commercial or industrial development
Security typeUnregistered securities, including mortgage, share charge and step in rights
Security locationPreference for Victoria, New South Wales and Queensland metropolitan or key regional location
Repayment structureInterest and/or profit share payable upon maturity
Loan terms6 months up to 3 years
Establishment feesNegotiable
Pre-salesRelative to project exit strategy, typically nil to 30% GRV
Retained stock – early equity /profit release from a completed project to provide working capital to borrowers
LVRUp to 75%
Eligible securityResidential, commercial or industrial improved properties
Security typeFirst and second registered mortgage
Security locationAustralia wide, CBD, metropolitan and regional
Repayment structureInterest only options include prepaid, capitalised or monthly
Loan terms3 months up to 3 years
Establishment feesNegotiable

* Payton only approves loans to borrowers that are using the funds for a commercial purpose, and who otherwise satisfy Payton’s lending criteria. Payton does not offer loans that are subject to the National Consumer Credit Code.