Introducing 13x

You built it.
We'll help you clear it.

13x refinances your completed, unsold residential stock — and helps you sell it. Your lender and your exit, in one facility.

Senior secured Interest-only Up to 75% LVR Completed stock 48-hour terms Net of GST
The Offer

Finance, structured to clear
completed stock.

Facility · As-is value
$48.0M
75%  Funded (LVR)
25%  Developer equity

Refinance out of the construction loan

Replace an expiring development facility with a short-term, interest-only residual stock loan — up to ~75% of as-is value, net of GST.

UnitTypePriceStatus
A‑12042 bed$845kSettled
A‑11082 bed$820kSettled
B‑09071 bed$610kReserved
B‑10113 bed$1.18mAvailable
C‑07052 bed$865kAvailable
C‑08021 bed$595kReserved

We're also your exit

We don't just lend and wait. Our brand-new-property buyer network helps move the remaining stock — so the loan repays as each unit settles.

Who it's for

Built for developers
holding completed stock.

Holding completed, unsold stock

Apartment and townhouse developers with completed, titled dwellings still sitting on the books.

Construction facility expiring

Your development loan is due before the last units have settled — and the bank wants out.

Pending-settlement risk

Pre-sold, off-the-plan stock where valuation shortfalls or fall-overs at settlement leave completed dwellings to re-sell.

How it works

Three steps to settled.

Send us the project

Completed stock schedule, current sales status, and the existing facility.

Get indicative terms

A clear, structured offer within 48 hours — no committee maze.

Fund and clear

We settle the residual facility and put the buyer network to work on the rest.

Indicative terms

Simple, secured, short-term.

Facility
Residual stock / exit
Security
Completed, titled stock
LVR
Up to ~75% as-is
Structure
Short-term, interest-only
Repayment
Reduces as units settle
Sell-down
Buyer network included

Figures are indicative only and subject to credit assessment. Each facility is structured to the project.

FAQ

Good questions.

What kind of stock do you fund?+

Completed, titled dwellings — the unsold residual stock in a finished project, plus pre-sold stock that's pending settlement. The construction risk is already behind the asset; the live question is the sell-through, which is exactly what we underwrite.

How much can I borrow?+

Up to ~75% of as-is value, net of GST, secured against the completed stock. The final LVR reflects the project, the location and the remaining unit mix — we'll confirm it in your indicative terms.

How is this different from a normal residual stock loan?+

Most lenders fund the stock and then wait for you to sell it. We fund it and help clear it — our brand-new-property buyer network works the remaining stock alongside the facility, so your exit isn't left to chance.

Do you guarantee the sell-down?+

No. The buyer-network support is a service that accelerates your exit — never a guarantee of sale. We always size the facility conservatively, as if you'll sell the stock yourself, so the clearance help is upside rather than the plan.

How fast can you give me terms?+

Indicative terms within 48 hours of receiving your stock schedule, current sales status and existing facility. Because the security is completed, titled dwellings, the assessment is quick.

Get started

Holding stock
you'd rather
have settled?

Send the project. We'll come back with indicative terms in 48 hours.