Most beginners chase the perfect site for months, then get knocked back the second they ask for the money. The fix is simple: lock in your funding before you ever start looking.

In this episode of Inside Property Development, I sit down with Gavin, Head of Acquisitions at Little Fish, to break down the three main ways to fund a townhouse development in 2026 — residential finance, development finance, and private funding. We explain who each option suits, the type of project it works for, and the pros and cons you need to understand before you commit a dollar.

You'll learn why a development loan is nothing like a normal home loan, and why the lender effectively becomes your business partner once you go down that path. We cover how your borrowing capacity against GRV shapes the size and suburb of your project, and why getting your accountant and broker working together from day one can make or break your strategy.

Whether you're planning your first townhouse project or scaling up your next one, this episode will help you fund it properly from the start.

🔥In this episode:

• The 3 ways to fund a townhouse build
• Why funding a build isn't a home loan
• How lenders become your business partner
• Why you sort finance before finding a site
• How borrowing capacity sets your project size
• Why your accountant comes before your broker
• How development finance frees up your cash flow
• The beginner mistake that wastes months

👇 Chapters

00:00 Intro

0:47 Why dev funding isn't a normal home loan

9:02 The 3 funding options in 2026

12:56 The biggest mistake first-time developers make

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