Construction and development finance questions
What this section covers
These pages explain the parts of construction and development lending that first-time and small-scale developers most often ask about: what a quantity surveyor report is and why the lender insists on it, how many presales a small project needs, the difference between a land bank loan and a construction loan, what happens when the build goes over budget, what loan to cost means, how lenders treat fixed price versus cost plus contracts, and how interest is handled while the project is being built.
The answers describe common bank and non-bank practice. Terms vary with the lender, the project size and the borrower's track record, and private lenders play by different rules again.
Questions answered in this section
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