We enable you to search the lending market in real-time, 24/7, providing direct access to quality loans, in seconds.
From the cheapest to the largest, we’ll match you
to a loan that stretches your equity further and
sets your sights a little higher.
We deliver accurate results you can trust, quickly,
empowering you to borrow smarter, mobilise faster
and get ahead of the game.
You tell us your development plans
and we provide multiple quotes
from credible lenders in seconds.
You choose the best loan for you
and apply instantly with our easy-to-use
online application process.
You track your application in real-time
and we provide regular progress updates
through your secure personal dashboard.
You’ll have a (human) loan manager
you can call or email at any time,
should you need to.
We are revolutionising the development lending market. We want to be the platform all experienced developers use to borrow finance. And we want to give you the power to control your borrowing. Here’s why:
In 2017 we were approached by a developer, frustrated with the difficult process of securing development finance. The company was building around 50 houses every year but spending more time chasing finance than building property, or its future.
It had two adequate funding relationships in place. The lenders mostly delivered the funds, eventually, but they weren’t ambitious or strategically aligned. Neither did they share our client’s vision to grow the business.
The key issues for our client, which we hear all too often, were:
The lenders wouldn’t support every development. They knew the deals they liked and lacked the flexibility to consider new ones. They also demanded high equity, meaning our client was limited to one project at a time or settling for smaller schemes. Our client was losing out on big opportunities.
Our client was restricted to two lenders because they lacked the time, resource and relationships to seek out new ones. Poor transparency meant when they finally received a loan offer, they had no idea whether they had the best deal. Or even a good one.
It was taking up to six months to drawdown a loan. The process and paperwork were so complicated, our client had employed a full-time person just to deal with the lenders. The process was proving an expensive drain on resource. And an inefficiency they couldn’t afford.
Our client asked for a solution. We created Brickflow. Now, our client is on track to complete 200 homes this year. We want you to have access to the same knowledge, power and efficiency. We want you to share the same success.
1. How does Brickflow calculate development finance?
We use unique algorithms, bespoke to each lender. This means we provide the exact same results as the lender would offer you directly.
Each lender has its own set of rules, so your results will show different loan amounts.
The lender caps the loan as a percentage of the above factors and delivers a final combined amount.
2. How many lenders do you search?
As of today, we have 10 lenders on Brickflow, with ambitious plans to grow this number. We handpicked the initial lenders to represent the entire market, covering a range of pricing and leverage, as well as all jurisdictions and loan sizes.
3. How do you rank the loans?
Loans are ranked in order, from largest to smallest. When the loan amounts are the same, the system ranks them in price order, with the cheapest loan first.
4. Why do you only display four options on each menu?
Our initial testing showed that developers only looked at the top three or four loans. In most cases there are more lending options available, but they are more expensive or offer smaller loan amounts than the top four.
5. Why are there two results menus?
The first menu shows loans that match the net loan amount you requested, in price order. If no lenders are able to match your request, the menu appears blank.
The second menu, ‘alternative options’ shows you the largest loans available. It also shows 'near miss' loans that might need a larger deposit but are cheaper, with the potential to provide significant savings.