Torrent Securities Advantages

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Disciplined Capital Allocation

Property finance is provided where there is a clearly defined structure, appropriate security, and a credible repayment pathway.

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Risk Aligned Pricing

Pricing reflects the structure, security, and risk profile of each transaction.

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Structured Lending Approach

Facilities are tailored within a disciplined credit framework to align with project requirements and risk profile.

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Construction Finance

Funding for residential, multi-unit, and commercial construction projects.

Each facility is assessed based on build programme, cost control, borrower capability, and completion risk, with staged drawdowns aligned to project progress and supported by appropriate security.

We endeavour to:

Staged drawdowns aligned to build progress and cost controls

Assessment of contractor capability, programme, and completion risk

Structured facilities supported by appropriate security and oversight

Land Development Finance

Funding for land subdivision and development projects, from initial site works through to completion.

Facilities are structured around project feasibility, staging, and presales (where applicable), with a clear focus on exit strategy, delivery risk, and security position.

We endeavour to:

Structured around staged development and delivery milestones

Assessment of feasibility, presales (where applicable), and exit strategy

Focus on security position and controlled project execution

Investment Property Finance

Funding for the acquisition or refinance of investment properties with established income or defined repositioning strategies.

Facilities are structured with regard to income profile, asset quality, and loan-to-value parameters, supporting stable and clearly defined repayment outcomes.

We endeavour to:

Funding aligned to income profile and asset quality

Conservative loan-to-value parameters

Clearly defined repayment structure and exit strategy

Bridging Finance

Short-term bridging facilities are provided where there is a clearly defined and credible repayment source, typically linked to an identified event or transaction.

These may include the acquisition of property ahead of a confirmed sale, or funding required to bridge timing differences between settlement dates. Each facility is assessed based on the strength of the exit strategy, security position, and overall transaction structure.

We endeavour to:

Confirm a clearly defined and credible repayment source

Ensure short-term facilities are aligned to specific transactions or events

Structure facilities with a focus on security position and exit certainty

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Frequently Asked Questions

Property development finance is short-term funding for residential, commercial and industrial development projects. It can involve financing the purchase of the land and progress (staged) payments for covering associated costs to complete the development.
Torrent Securities offers a range of different loans including investor loans, development loans, and bridging loans - so long as they are secured by property on a first mortgage basis.
Construction and development finance is core business for Torrent Securities, including commercial, industrial and residential developments and land subdivision.
Torrent Securities can structure interest payments to meet the needs of the financing proposal.
Options include:

- Capitalised Interest
Interest is calculated and added to the loan balance each month with the total amount of capitalised interest and principal paid in full at the end of the term.

- Interest Only
Interest is charged and paid monthly on the loan balance.

- Principal and Interest
Regular payments of both interest and principal are made, generally on a monthly basis (with quarterly or 6 monthly options also available in certain circumstances).
The amount borrowed depends on several factors, including the value of security, the exit strategy proposed and the earnings of the borrower (if applicable). Torrent Securities can fund up to 75% of the value of the security, depending on the location and type.

Torrents Funding facilities start at $1,000,000 on a single project.
Torrent Securities typically charges an application fee between 1 and 2% (plus brokerage if applicable), this will normally be capitalised onto the loan so nothing is paid up front. Depending on the circumstances, a line or management fee may also apply. Fees are customised to each transaction depending on the circumstances and are always fully disclosed.