Borrowers
Keyvest Capital is a boutique ASIC regulated non-bank lender for sub-$10m property projects. Our difference is in our experience — with an internal team of developers, valuers and asset managers, we speak your language and read feasibilities like you wrote it. That's why brokers and borrowers get certainty of execution from indicative terms through to repayment.
Sub-$10m
typical loan size — the niche the majors have abandoned
50–65%
target LVR on completion value (70% max)
6–36mths
typical loan term, structured to your exit
Project Types
Why borrowers choose us
We know what works in Australia.
Developer DNA
Our team has originated and managed projects at M/Group, Cedar Woods, Stockland and Minderoo. We understand the real constraints of construction.
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Property fluency
Our team are experienced property developers and licensed valuers. We have sat on your side of the table, and we assess deals on fundamentals, not formulas. We can assist in structuring the right deal for the success of your project.
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Speed and certainty
We move fast because we know what we're looking for. Indicative terms in days; what we quote is what we settle on.
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Developer advantage
Unlike traditional lenders, our directors are active property developers and investors. We know the market because we're in the market — and that means faster decisions, smarter structuring, and a lender who actually speaks your language.
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Lending parameters
Borrowers can screen a deal against our criteria in under a minute. No "ask us" pricing — what's here is what we lend on.
Outside these bounds? Send it anyway — Board approvals available case by case for the right deal.
Borrower
Corporations only
Aus citizens / PR / Corp Visa / Trust with corporate trustee
Loan term
Typically 6–36 months
1st mortgage LVR
Max 70%
Board may approve up to 75%
2nd mortgage LVR
Max 80% combined
Board may approve up to 85%
LTDC ratio
Max 80%
Board may approve up to 85%
Interest
Capitalised into loan balance
Paid on discharge (or monthly servicing where structured)
Loan size
Typically sub-$10m
Larger deals syndicated through the Fund
Security
First and second mortgage backed
Director guarantees, GSA, builder side deeds where applicable
Asset types
Residential subdivisions, low-rise apartments, industrial and commercial projects under $10 million across Australia.
Asset
We fund land acquisition and construction stages. Projects must have a clear sales pipeline or end-buyer commitment. Pre-sales are a precondition where they form part of the exit.
Process
A 6-step path from initial conversation to settlement, backed by a 5-gate underwriting framework. Toggle between the overview and the deep underwriting view.
You email loans@keyvest.com.au with your project details — feasibility, presales position, and a one-line summary of the exit. We review within 48 hours and tell you up front whether the deal fits our criteria.
Send a dealDocuments
Send the right pack first time and DD moves fast. An incomplete pack means we chase you for weeks, and your client loses faith.
Application
Full details of the borrower entity, directors, guarantors and project. We send you the form when you enquire — keep it brief but complete.
Project
The project pack tells us whether the deal works. Send the feaso, the contract, the planning approval and any pre-sales evidence.
Financials
We need to see the balance sheet behind the deal. Borrower entity financials and personal asset/liability statements for guarantors.
Supporting
The supporting pack closes the loop on risk and exit. Keyvest must be noted as an interested party on insurances; exit evidence supports the path to repayment.
FAQ
Apply for a loan
Tell us: project address, loan amount & term, LVR, exit strategy, and one line on you/your client. Indicative terms back in 2–5 business days.
Prefer email?
loans@keyvest.com.au
