MaxCap Group Pty Ltd, established in 2007, is an Australian commercial real estate financier and investment manager. The firm specialises in various debt products including senior debt, mezzanine debt, and structured property finance tailored for commercial property development and investment sectors. Regulated by ASIC in Australia, MaxCap operates institutional-grade funds and offers bespoke bilateral loans primarily to professional developers and high-net-worth investors. This lender may suit experienced developers and sponsors involved in medium-to-large scale property projects. For those evaluating their funding options, see our debt financing overview and commercial mortgage options for context.
Key Features of MaxCap Group
MaxCap provides a range of features that reflect its institutional approach and sector expertise. It aims at supporting sizable projects through flexible financing structures and end-to-end financial management.
- Access to institutional capital pools for transactions between £10m and £200m+, as detailed in our debt financing guide.
- Offering full capital stack solutions including senior, stretch senior, mezzanine, and preferred equity finance, matching details found in equity finance information.
- Application of flexible security packages and allowance for low or no presales arrangements for construction finance, supported by guidance on credit facilities.
- Efficient credit decisions by an in-house team specialising in real estate backed by an institutional risk management framework, see our take on lender reviews.
- Provision of continuous project monitoring through a dedicated asset management division, improving oversight from origination to completion.
Funding Eligibility for MaxCap Group
You may qualify for funding with MaxCap if you can demonstrate a strong property development or investment track record. Although there is no formal minimum trading period, a history of successful projects is essential. MaxCap primarily serves professional developers focusing on commercial real estate in Australia's east coast capitals and selected New Zealand markets. Certain specialised assets and smaller borrowers are excluded from eligibility. For tailored advice, check out our eligibility guide and finance tools helping users determine loan qualification.
Loan Options Available
MaxCap offers a variety of loan products aimed at different stages of property development and investment. These are generally suited to substantial projects and include options from land acquisition to mezzanine lending.
- Land Acquisition Finance: Loans from £5,000,000 to £100,000,000, terms of 6 to 24 months with interest rates between 8.50% and 12.00% p.a. Typically secured by a first mortgage on land, this loan supports quick acquisitions without needing planning consent upfront. Learn more under debt financing.
- Senior Construction Finance: Amounts from £10,000,000 to over £200,000,000, for 12 to 36 months. Interest rates range from 7.50% to 11.00% p.a., with loans often featuring up to 70% loan-to-cost. These loans require first-ranking mortgages and completion guarantees. Details can be reviewed through our commercial mortgages section.
- Investment Property Loan (Stabilised Asset): Loans range from £10,000,000 to £150,000,000 with terms of 24 to 60 months and interest rates of 6.00% to 9.00% p.a. Designed for income-generating assets, these loans may offer flexible amortisation schedules. Visit debt financing for more insights.
- Residual Stock Facility: Loans between £5,000,000 and £60,000,000, terms lasting 12 to 24 months with rates from 8.00% to 11.50% p.a. This product helps developers release equity from completed projects with unsold units. See our debt financing guide for further information.
- Mezzanine Debt / Preferred Equity: Facilities from £3,000,000 to £40,000,000 over 12 to 36 months. The internal rate of return ranges between 14.00% and 18.00% p.a., often with profit participation requirements. This form of subordinate financing sits above senior debt in the capital stack. Reference our equity finance details for an overview.
- Stretch Senior / Whole Loan: Loan amounts start at £20,000,000 up to £250,000,000 for 18 to 48 months, with rates of 9.00% to 12.50% p.a. This single-source funding covers multiple development phases, offering a streamlined process compared to separate senior and mezzanine loans. Explore this type in relation to debt financing.
How to Apply with MaxCap Group
Prospective borrowers typically engage offline through dedicated relationship managers. The process involves detailed documentation and due diligence, reflecting the complexity of the financed projects.
- Submit project feasibility studies, quantity surveyor reports, independent valuations, planning approvals, company financials, and director statements in a secure online data-room. Refer to our application form guidance.
- Expect an indicative term sheet within 5 to 7 business days and full credit approval in 2 to 4 weeks depending on due diligence completion. See our approval timelines.
- Upon agreement, loan drawdown can occur within 5 to 10 business days after final documents are executed and conditions precedent are fulfilled. Check our credit facility process for context.
Funding Agent's View on MaxCap Group
MaxCap Group is positioned as a specialist non-bank financier serving medium-to-large scale property developers in Australia and selective New Zealand markets. Its offerings suit borrowers seeking comprehensive capital-stack finance beyond what traditional banks provide. However, minimum loan sizes, stringent security demands, and regional focus limit access for smaller UK borrowers or those outside the commercial real estate sector. For UK property developers and investors, further comparison can be made using our finance tools, eligibility checkers, and lender review pages.
