Property Finance
Funding for the final units in a completed development.
Refinance the last unsold stock, repay the construction loan, and sell on your terms — residual stock finance placed across our panel.
Don't fire-sale the last few units.
The build is finished, most units have sold, but the construction facility is due and a handful of unsold dwellings remain. Banks rarely want to know — the deal is too small and too specific. We arrange residual stock finance and place it with funders on our panel who do this every day.
Residual stock finance refinances the remaining unsold units in a completed development, repaying the construction loan and giving you a sensible runway to sell into the market rather than dumping stock to hit a bank's deadline. It's business-purpose finance for developers with an ABN — not a consumer mortgage.
We structure the facility around the number of units, their value and your sell-down plan, often releasing some equity back to you in the process. Indicative answer in 24 hours, settlement in days, so you protect your margin on the final sales.
Why arrange residual stock finance through X Private.
Repay the construction loan
Take out an expiring or called construction facility so the lender deadline stops driving your pricing.
Sell without a fire sale
A sensible runway to sell the last units at full value instead of discounting to meet a bank's date.
A niche the banks skip
Too few units for a major bank is exactly the deal our specialist funders compete for.
Release working capital
Where there's equity in the unsold stock, pull some out to start your next project.
Priced on the stock and sell-down
We structure the facility around unit values and your realistic sales timeline.
Fast, developer-savvy placement
Indicative answer in 24 hours from lenders who understand completed-development risk.
When residual stock finance fits.
Built for developers holding completed but unsold stock. Common scenarios:
- Unsold units in a finished apartment project
- Townhouse or villa developments with stock remaining
- A construction facility due before sell-down completes
- Avoiding a discounted bulk sale to clear a deadline
- Releasing equity from held stock for the next deal
- Bridging the gap between practical completion and final sales
- Commercial or mixed-use developments with residual lots
- Re-pricing off an expensive end-of-build facility
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
It's a facility secured against the unsold units in a completed development. It repays your construction loan and gives you time to sell the remaining stock at proper value rather than discounting to meet a lender's deadline.
We're a specialist property finance brokerage: we place residual stock finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — this is business-purpose finance for developers. Residual stock finance is secured against development stock held for sale, not a home you live in.
Often, yes. Where the unsold units carry equity above the construction debt, we can structure the facility to release working capital for your next project.
You'll have an indicative answer within 24 hours and most facilities settle in days — usually well inside the window a maturing construction loan allows.