01·Development
Build
Building development loans
Staged construction funding for multi-unit projects, subdivisions, and knock-down rebuilds across Melbourne.
Learn more
Strategic development
funding, Melbourne.
Development funding in 2026 requires a sophisticated approach to leverage. Whether you are subdividing a block or launching a multi-unit complex, Cutter & Co provides the specialised structures needed to move from DA to completion without the traditional hurdles of retail banking.
- Building development & construction loans
- Wide range of development funding solutions
- Bridging loans & share purchases
Response within 3-5 business days
01 / 04
Team Cutter & Co
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
Why Developers Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
DA to completion
Full project lifecycle support
[ 04 ]
20+
Years experience
Development finance in Melbourne
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
Retail banks won't fund your project because they don't understand development feasibility or cost-plus contracts.
You need funding based on your project's future value, not just your current equity position.
You're unsure how to structure debt across land purchase, construction, and bridging to maximise your margins.
[ 01 ] Capitalise on your build
From DA to
completion.
Development funding in 2026 requires a sophisticated approach to leverage. Whether you are subdividing a block in Keilor East or launching a multi-unit complex in Berwick, Cutter & Co provides the specialised structures needed to move from DA to completion without the traditional hurdles of retail banking. We work with both bank and private lenders to find the right fit for your project.
Chantal Cutter
Founder & Strategic Director
Services We Provide
Here's how
Cutter & Co helps.
Specialised development structures from land purchase to final settlement.
[ 01 ]
Commercial & business loans.
Tailored funding structures for commercial developments, from office fit-outs to multi-unit residential projects across Melbourne.
[ 02 ]
Refinancing & investment loans.
Strategic refinancing to unlock equity from existing assets, plus investment loan structures optimised for development portfolios.
[ 03 ]
Bridging & construction loans.
Seamless bridging finance to purchase land while existing projects settle, plus staged construction drawdowns for your build.
[ 02 ] Funding solutions
Wide range of
development solutions.
Every project is different. We blend development, bridging, construction, and equity structures to fit your timeline.
02·Bridging
Bridge
Bridging loans
Short-term finance to purchase land or new sites while existing projects settle or sell.
Learn more
03·Construction
Staged
Construction loans
Progressive drawdown funding with interest-only during the build phase to manage cash flow.
Learn more
04·Equity
Shares
Share purchases
Funding for purchasing minority shareholdings or acquiring partners in development ventures.
Learn more
[ 03 ] Roadmap
Your roadmap to
lending success.
Six deliberate steps engineered around the way you actually live, earn, and plan.
- Step01
First strategy session – 15 minutes
Our team takes the time to understand your current financial position, future goals, and long-term objectives so we can provide the right lending strategy and guidance for you and your family - because the right strategy makes all the difference.
- Step02
Eligibility assessment
We conduct a comprehensive assessment of your financial position, goals, and lending needs to provide tailored recommendations based on current lender policies and market research. By considering your income structure, lending requirements, and available rate discounts, we help match you with the lender and loan solution best suited to your circumstances.
- Step03
Submission to the bank
We take the stress out of the lending process by managing everything on your behalf and working closely with the banks to ensure your application is assessed correctly from the start. Our team advocates for you behind the scenes to achieve the fastest possible pre-approval or formal approval turnaround, allowing you to focus on the exciting next steps with confidence and peace of mind.
- Step04
Pre-approval or approval
Our team has a strong background in credit assessment, giving us the expertise to structure applications strategically and achieve the best possible outcomes for our clients. By working closely with lender credit teams throughout the process, we help secure smooth approvals and faster turnaround times for you.
- Step05
Settlement
We make every stage of the process as seamless and stress-free as possible by providing a clear funding breakdown for your refinance or purchase, so you know exactly where you stand leading into settlement. We also manage the discharge process, coordinate with your solicitor or conveyancer, and handle the communication with the lender - allowing you to relax while we take care of everything behind the scenes until the moment we can say, “Congratulations, your loan has settled.”
- Step06
Ongoing support
You’ll be supported by a mortgage and finance firm built entirely around people, not numbers. Our focus is always client-first - guiding and supporting you through every stage of your journey, from exciting milestones to times of uncertainty. We’re here to help protect what matters most to your family while ensuring your lending remains competitive, with the best possible rates and solutions available to you at every stage of life.
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Award-winning team · Melbourne
The Cutter & Co team
Melbourne
[ 04 ] Your strategist
Your development journey,
backed by an award-winning team.
“From land purchase to final settlement, we are your partners in project success. We provide the specialised structures needed to move from DA to completion.”
2026
Hall of Fame
80+
5-Star reviews
MFAA
Accredited
Our Partners
Accredited Across 40+
Leading Lenders
Google · 5.0
[ 05 ] Reviews
Client reviews on our development funding.
“Chantal and her team were professional, friendly, and incredibly helpful in securing our development finance. Their expertise in structuring complex projects was invaluable.”
Laura & Joey S
Verified Client
“The level of service, attention to detail and positive attitude has been consistent every time. If you're looking for a 5-star team that makes you feel like a valued client, look no further.”
Jean C
Verified Client
“Chantal and her team worked tirelessly to find the right funding structure for our multi-unit development. We would highly recommend Cutter & Co to any developer.”
Nat & Damien B
Verified Client
“Truly outstanding. From the moment we made our initial enquiry they worked diligently to find a loan that met our needs their communication was exemplary.”
Measha & Dean A
Verified Client
[ 06 ] Essential answers
Questions Melbourne
developers
actually ask.
Short, honest answers to help you fund your development with confidence.
A bank can only offer its own products. A mortgage broker compares multiple lenders, policies, and loan structures to find an option that better suits your goals.
At Cutter & Co, we look beyond the rate. We help structure your application, manage the paperwork, liaise with lenders and solicitors, and guide you from strategy through to settlement. For clients with complex income, business income, ABN income, or long-term wealth goals, the right broker can make the process clearer, smoother, and more strategic.
Start Your Project StrategyReady to break
ground?
Tell us about your project. We'll come back at our earliest with a tailored development funding strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne developers.
- No cost to you. We're paid by lenders.
Step 1 of 3
What type of development?
Takes less than 60 seconds. No obligation to proceed.
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