Residual Stock Loans
From 9.90% p.a. Up to 75% LVR.
Solutions for developers with completed stock.
Be connected with a private lender who can move quickly, so your capital isn’t sitting idle while you wait for the right buyer or tenant.
WHAT
A short to medium-term facility secured against completed but unsold dwellings or titled lots, releasing the equity locked in finished stock.
WHO
Suits experienced developers holding completed apartments, townhouses, titled lots, or commercial stock who need to move capital forward or hold until the market improves.
HOW
At Bowery, facilities are sized against the residual value of your unsold stock—assessed by independent valuation, not rigid bank policy, and structured around your exit strategy.
What to expect from a Bowery partnership.
Residual stock finance for projects of every size.
Smaller residual stock facilities structured for speed. Ideal when you need to close out a construction loan, preserve cash flow, and hold stock for the right buyer—not the first one.
- Townhouse developments
- Duplex and spec home completions
- Titled residential lots
- Small apartment buildings
Larger, more complex residual stock portfolios with structured funding that scales to your project—without the rigid policy settings of traditional lenders.
- Medium-density apartment projects
- Mixed-use developments
- Commercial and industrial stock
- Retail & office
Why more developers are choosing Bowery for residual stock funding.
Release capital for your next project.
Stop leaving money on the table. A residual stock loan gives you immediate liquidity against completed assets, so you can retire your construction debt.
Hold stock for a chance at better sale prices.
Don’t let time pressure dictate your sale price. With a residual stock loan in place, you can take more time to find the right buyer at a better price and support your margins.
Flexible terms and structures.
Facilities from 3 to 18 months, interest only, sized to your actual residual stock position. Your deal is structured around your project, not a bank template.
Private lender speed.
When construction is done, every day counts. We can move from enquiry to approval in days, not months, so your capital keeps working while the banks are asking for more paperwork.
The right fit for completed stock of every type.
Bowery funds all types of construction projects across Queensland, South Australia, and Victoria – supporting developers in metro and greater metro locations. With a strong understanding of how different markets operate, we assess each project on its own merits, not just its postcode.
Titled Lots
Townhouse developments
Apartment projects
Mixed-use
Warehouses
Retail & office
What is a residual stock loan?
A residual stock loan (sometimes called a development exit loan or finish and exit development finance) is a short-term facility secured against completed but unsold properties or lots. It allows developers to repay their construction loan, improve cash flow, and hold stock without immediately being forced into a discounted sell-down.
How is residual stock valued?
An independent registered valuer assesses each completed dwelling or titled lot at current market value. We then size the facility as a percentage of that assessed value—typically up to 75% LVR, depending on stock type and project risk profile.
Is there a minimum number of units?
There’s no fixed minimum, but facilities are generally more efficient for developers holding three or more completed dwellings or lots. Smaller portfolios can still be assessed—speak with us and we can talk it through together.
Do I need presales to get a residual stock loan?
No. Unlike a construction loan, a residual stock facility is secured against completed, valued assets—not future sales. Presales are not required, though your existing sales activity will be considered as part of the overall risk assessment.
How long can I hold stock on a residual loan?
Loan terms typically range from 3 to 18 months, giving you plenty of time to run a solid sales campaign. We often negotiate extensions where the loan is performing and the exit strategy remains clear.
Do you lend across Australia?
Yes. We lend against qualifying residual stock in metro and key regional markets across Australia, subject to location, stock type, and our assessment criteria.
