We founded North Point Capital on a simple insight: the best development finance advice comes from people who have sat on both sides of the table — as lenders and as developers. That dual experience shapes everything we do.
North Point Capital was established by professionals who have worked on both sides of the transaction — inside non-bank lending institutions and as property developers in our own right. We have reviewed thousands of credit submissions, sat in credit committee, and structured facilities across the full spectrum of development finance.
We have also experienced firsthand what it means to be a borrower: the complexity of assembling a capital stack, the pressure of timelines, and the frustration of dealing with lenders who don't understand your project. That dual perspective is something most advisors simply don't have.
It shapes the way we work. We know what lenders are looking for because we were lenders. We know what developers need because we have been developers. When we sit across the table from a credit committee, we understand the room — and we use that to your advantage.
Today, we operate as an independent advisory firm, working exclusively for borrowers. Our only measure of success is getting your deal funded on the best available terms.
Having worked inside credit institutions, we know exactly how submissions are assessed, what triggers a decline, and how to frame a project to maximise approval chances and terms. We have also developed property ourselves — so we understand the pressures, timelines and risks you are managing.
We don't shotgun your deal to every lender on our list. We identify the two or three most aligned institutions and approach them with a professionally packaged, lender-ready submission.
From LVR to interest reserve to pre-sale requirements, we model the optimal capital structure before approaching anyone — ensuring you're not just funded, but funded on terms that work.
We stay actively involved throughout the process — managing due diligence, responding to lender queries, and driving toward settlement. You're never left navigating the process alone.
We listen first. Understanding your project, timeline, equity position, and goals shapes every recommendation we make. No two projects are alike — we don't treat them like they are.
Drawing on our lender-side experience, we model the optimal capital structure before approaching anyone. Rate, LVR, fees, presale conditions, and drawdown mechanics are all considered upfront.
A curated shortlist — not a broadcast. Every approach is tailored and professionally packaged for the specific lender, maximising the quality of responses and minimising wasted time.
We negotiate hard on rate, LVR, fees, and flexibility — using our lender-side experience to push for terms that genuinely reflect your project's quality and risk profile.
We manage due diligence, coordinate with lawyers and valuers, and drive toward settlement. And when your next project is ready, we're already on your side again.