Flexible residual stock finance for developers who need to refinance completed but unsold dwellings. Whether you are clearing an expiring construction loan, releasing equity or supporting cash flow during a sell down, our tailored lending solutions are designed to support your development cycle.
This type of finance provides breathing room at the end of a development cycle. It supports cash flow, removes the pressure of an expiring construction loan and gives developers time to run an orderly sales campaign or prepare for their next project. For many developers, residual stock funding is a practical way to transition from project completion to sell down while maintaining business momentum.
Fund your next development
Access equity from completed stock to secure a new site, cover early project costs or maintain momentum between projects.
Refinance at a lower rate than construction finance
Replace an expiring construction loan with a more
cost-effective facility once the project reaches completion.
Purchase additional property
Use released funds to acquire investment property or strategic assets without waiting for all sales to settle.
Support faster construction on other projects
Improve cash flow so you can accelerate progress on concurrent developments or bring forward important build stages.
Consolidate business debt
Streamline multiple facilities or short-term liabilities into one simple loan secured against your completed stock.
Residual stock funding is generally available for completed residential and commercial properties that form part of a newly finished development.
Eligible property types typically include:
Residential dwellings such as apartments and townhouses
Mixed-use developments where residential and commercial components are complete and separately saleable
Commercial suites or offices within a completed strata development
Industrial or warehouse units that are fully constructed and ready for occupation
Yard generally requires all properties to be fully completed, have received the required occupancy certification and be suitable for sale on an individual basis. Speak to a Yard Loan Consultant to check your property's eligibility.
Self-declared income with confirmed intent to sell.
Borrow up to $2.5 million for residential stock or $3 million for commercial stock.
Interest can be capitalised (added to your loan) for up to 12 months to cover interest repayments.
Loan-to-value ratios up to 70% available.
Loan terms can extend to 3 years.
No annual reviews or valuations.
An overview of the potential benefits and risks of Residual Stock Loans, including how this can support developer's cash flow, project continuity and broader portfolio management.
Pros
Improves cash flow once construction is complete, giving developers access to equity tied up in unsold dwellings.
Removes pressure from expiring construction loans, allowing more time for an orderly sales campaign.
Provides a practical funding bridge between the end of one project and the start of the next, supporting business continuity.
Cons
Higher interest rates than standard Commercial Loans, reflecting the short-term nature of the facility.
Requires a clearly defined exit strategy outlining how the facility will be repaid.
Lower maximum LVR compared to standard commercial loans, which may limit how much equity you can access.
Alternative income verification options through income self-decalaration.
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We are commercial lending specialists, we understand how the development cycle works and will find a solution for your situation.
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We can help you purchase, build, refinance, consolidate debts or release equity from your property.
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We perform individual assessment on each application to consider your specific circumstances on a case-by-case basis.
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Enquire online. A dedicated Loan Consultant will give you a call to discuss your loan requirements and help find the best solution for you.
We verify your information by receiving some supporting documentation. We also perform a valuation on your property.
Our credit team reviews your information and makes an assessment on your application.
Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your Residual Stock Loan!
A Residual Stock Loan may be suitable once your development is complete and unsold stock remains, allowing you to access equity for your next project without waiting for full sell-through. It is commonly used when a new site has been identified, when equity is required for a subsequent development facility, or when you wish to maintain project momentum. It can also provide additional time to achieve target sale prices without the constraints of a construction loan.
Yes. Residual Stock Loans apply to completed developments with occupancy certificates and individual titles or strata plans issued. Discussions can begin in the final stages of construction to ensure a smooth transition once practical completion is reached.
Yes. Full tax returns and detailed financial statements are not required, provided there is a clear development track record and a viable exit strategy.
Yard provides up to 70% LVR of the market value of your remaining stock, with maximum loan amounts of $2.5 million for residential properties or $3 million for commercial properties. The final loan amount will depend on the security type, location, market conditions and your development experience.
Yard provides Residual Stock Loans for terms between 6 months and 3 years. The term can be structured to reflect your sales strategy and broader development schedule.
Following practical completion, Yard assesses the market value of your remaining unsold dwellings. You then refinance your existing construction facility, and we provide the new loan, enabling access to equity for your next project. The interest may be capitalised for up to 12 months, reducing the need for monthly repayments and supporting cash flow for acquisitions or operational requirements. As completed properties sell, individual securities are released and the loan balance reduces accordingly. The process is designed to be efficient and coordinated, allowing you to progress your next development while finalising the sell down of your completed project.
New loan inquiries: hello@yard.com.au
Service requests: help@yard.com.au
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