Private Construction and Development Finance in Sydney
Sydney is Gravity Capital's home market. We fund residential, commercial and mixed-use projects from $5 million to $100 million across greater Sydney and New South Wales.
Gravity Capital is based in Sydney and lends across the metropolitan area and wider NSW. Construction loans are available up to 75% of TDC for qualifying sponsors, with none to low presales considered, alongside first mortgages, mezzanine finance, preferred equity and bridging finance.
Areas we cover
Eastern Suburbs Lower North Shore Upper North Shore Inner West Parramatta Hills District and Norwest South West Sydney Sydney CBD fringe Wider NSW
Projects we fund
- Townhouse and terrace developments
- Boutique and mid-rise apartment buildings
- Mixed-use retail and residential
- Commercial, industrial and hospitality assets
- Residual stock and site acquisition
What we look for
Sydney values have softened in 2026, so we test feasibilities against current sales evidence rather than peak pricing. We look for experienced sponsors, an approved development, a credible builder and an exit that holds up in a downside case.
Finance available
Construction Loans · First Mortgages · Mezzanine Finance · Preferred Equity · Bridging Finance · Structured Finance
What to send for indicative terms
- Property address and a short project or asset description
- Total development cost or purchase price, and current valuation if held
- Loan amount requested and the position in the capital stack
- Planning status (for example DA approved) and builder, if construction
- The exit: sales, refinance or settlement, with supporting evidence
- Borrower entity and a short summary of the sponsor's track record
For current conditions, see our October 2026 market update.
Frequently asked questions
Do you lend on Sydney construction projects without presales?
We consider none to low presales for qualifying Sydney projects, assessed on feasibility, current sales evidence, the developer's track record and the exit.
What size Sydney deals does Gravity Capital fund?
From $5 million to $100 million, across residential, commercial, industrial, hospitality and mixed-use property.
Do you lend outside metropolitan Sydney?
Yes, across New South Wales, subject to the asset, the location's sales depth and the exit.
Have a deal from $5M to $100M?
Send a one-page summary. Indicative terms within 48 hours of a complete submission.