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1. Parties: Identification of the lender, borrower, and any guarantors
2. Background: Context of the loan agreement, including purpose of the loan and construction project details
3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement
4. Loan Facility: Details of the loan amount, purpose, and term
5. Interest and Fees: Interest rate, calculation method, fees, and charges
6. Security: Description of security arrangements and obligations
7. Conditions Precedent: Conditions that must be satisfied before the loan becomes available
8. Drawdown Conditions: Requirements and process for progressive drawdowns linked to construction stages
9. Construction Requirements: Obligations regarding construction timeline, approvals, and standards
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Borrower Covenants: Ongoing obligations of the borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences
13. Payments: Payment obligations, methods, and timing
14. General Provisions: Standard contract clauses including notices, amendments, governing law
15. Execution: Formal execution blocks for all parties
1. Guarantor Provisions: Required when there are guarantors for the loan
2. Insurance Requirements: Detailed insurance obligations beyond standard requirements
3. Multiple Properties: Required when the loan covers construction on multiple properties
4. Environmental Requirements: When the construction has specific environmental obligations or certifications
5. Heritage Requirements: When dealing with heritage-listed properties or areas
6. Quantity Surveyor: When a quantity surveyor is required to certify construction progress
7. Builder Default: Specific provisions for managing builder default or replacement
8. Cost Overrun Facility: Terms for additional funding if construction costs exceed estimates
1. Schedule 1 - Loan Details: Key financial terms including loan amount, interest rate, fees
2. Schedule 2 - Security Details: Details of all security properties and other security interests
3. Schedule 3 - Construction Schedule: Detailed construction milestones and corresponding drawdown amounts
4. Schedule 4 - Required Insurance: Specific insurance requirements and minimum coverage amounts
5. Schedule 5 - Construction Documents: List of required permits, plans, and specifications
6. Schedule 6 - Drawdown Requirements: Documents required for each drawdown stage
7. Appendix A - Approved Plans: Copies of approved construction plans and specifications
8. Appendix B - Construction Budget: Detailed construction budget and cost breakdown
9. Appendix C - Builder's Contract: Copy of the executed building contract
10. Appendix D - Certificates and Permits: Copies of all required certificates and permits
Advance
Approved Builder
Approved Construction Budget
Approved Plans and Specifications
Authorisations
Building Contract
Building Works
Business Day
Certificate of Completion
Certificate of Occupancy
Completion Date
Construction Phase
Construction Schedule
Cost Overrun
Credit Provider
Default Event
Default Interest Rate
Development Approval
Drawdown
Drawdown Notice
Drawdown Schedule
Environmental Law
Event of Default
Facility
Facility Limit
Final Inspection
Finance Documents
Financial Indebtedness
Government Agency
Guarantee
Guarantor
Independent Certifier
Interest Payment Date
Interest Period
Interest Rate
Land
Legal Costs
Loan
Loan Account
Material Adverse Effect
Mortgaged Property
Outstanding Money
Payment Date
Permitted Security Interest
Planning Approval
Practical Completion
Progress Payment
Project
Project Documents
Quantity Surveyor
Related Entity
Required Insurance
Security
Security Documents
Security Interest
Security Provider
Stage Completion
Structural Defects
Sunset Date
Taxes
Term
Trust
Valuation
Variation
Works
Interest and Fees
Security
Construction Requirements
Drawdown Conditions
Representations and Warranties
Borrower Covenants
Lender Covenants
Events of Default
Insurance
Payment Obligations
Construction Monitoring
Project Management
Completion Requirements
Environmental Compliance
Work Health and Safety
Confidentiality
Assignment and Transfer
Force Majeure
Dispute Resolution
Termination
Amendment and Waiver
Notices
Governing Law
Severability
Entire Agreement
Further Assurance
Costs and Expenses
GST
Set-off
Third Party Rights
Time of Essence
Counterparts
Electronic Execution
Banking and Financial Services
Construction and Building
Real Estate Development
Property and Real Estate
Infrastructure
Commercial Property
Residential Property
Property Finance
Construction Finance
Legal
Credit Risk
Construction Finance
Property Finance
Compliance
Commercial Lending
Project Finance
Construction Management
Property Development
Risk Management
Document Management
Loan Officer
Credit Manager
Construction Finance Manager
Property Finance Manager
Legal Counsel
Construction Manager
Project Manager
Risk Manager
Compliance Officer
Property Developer
Development Manager
Building Surveyor
Quantity Surveyor
Contract Administrator
Financial Controller
Chief Financial Officer
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