Property and construction credit
Security research, construction and development modelling, lender submissions and pre-committee packs for property and construction finance — prepared by Collective, reviewed by the credit team, released by you.
Transactions we prepare
Each transaction type draws on the relevant workstreams within Collective Execution. Research, modelling, credit materials and coordination are delivered as one defined engagement for each activated transaction.
Who it's for
Development and construction transactions that need project modelling and sensitivity analysis before a lender will engage.
Property-secured private loans that need consistent research, structure review and credit materials.
Property transactions running alongside a wider commercial book, without a dedicated analyst.
Consistent property-credit preparation across a network of offices.
Pre-committee readiness and credit process consistency for property opportunities from an existing origination channel.
Feasibility review and funding-table preparation for clients approaching lenders.
Representative workflows
Representative workflows only. Deliverables and timing are scoped according to the complexity and completeness of each transaction.
Construction
Collective reviews the site and planning position, builds the construction funding model, tests cost and sales assumptions and prepares the lender submission for the originator’s approval.
Representative workflow — not a credit decision, offer or turnaround commitment.
Development exit
Collective schedules unsold stock, compiles sales evidence, reviews the exit and prepares the refinance submission.
Representative workflow — not a credit decision, offer or turnaround commitment.
Commercial investment
Collective analyses lease income, assembles comparable evidence, classifies the documents and prepares the pre-committee pack in the lender’s format.
Representative workflow — not a credit decision, offer or turnaround commitment.
How it works
Provide the core borrower, security, facility and transaction information through the Collective platform.
Collective identifies the key metrics, information gaps, risks and most appropriate next step.
Suitable opportunities can be activated for deeper review or full credit execution.
Collective prepares the required credit material and manages the workflow through approval and conditions precedent.
Where the ladder leads
As the Collective network grows, the service extends from credit preparation into lender placement and, in time, managed lending products built around demonstrated demand.
Lender-funded on eligible settlements
Access an expanding panel of private and construction lenders through one specialist credit desk. Collective Credit will coordinate lender engagement, credit progression and transaction execution.
The fee benefit
Subject to lender participation and transaction eligibility. Independent legal, valuation, quantity-surveyor and other third-party costs remain separate.
Register for Panel accessFuture capability
Collective Credit will use the strength of its originator network, transaction data and credit capability to introduce managed and white-label lending products designed around demonstrated market demand.
Potential capabilities
Collective Panel and Collective Lending are described as forward capabilities, not current or guaranteed services. Any lender participation, fee waiver, funding or lending capability remains subject to partner arrangements, eligibility, due diligence and approval.
FAQ
Common questions about what Collective does and does not do for property transactions.
No. Collective prepares the research, model, submission and pack for property transactions. Lending decisions remain with the lender you select, and the recommendation and approval to submit remain with you.
Bridging, development exit, construction and development, land and subdivision, completion, commercial and residential investment, lease-doc, residual stock, SMSF property and property-backed business-purpose transactions.
Yes. Within Collective Execution the project workstream builds or reviews the construction funding model from the feasibility, budget and programme, calculates peak debt and cost to complete, and stress-tests sales, valuation, cost and timing assumptions.
Yours. Deliverables can be produced under your brand and are released only when you approve them.
Leverage and pricing are matters for the lender and each transaction. Turnaround is scoped with you according to the complexity and completeness of the transaction and, for Dedicated Desk partners, the capacity reserved.
Join Collective Access
Join Collective Access, configure your branded workspace and submit the next four opportunities competing for your attention.
The specialist credit desk behind your business.
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