Unsure as I haven't counted and ran any sample size. Developers often offer discounts for early complete so they can get the full sum of cash earlier rather than later. Some developer loans are not ideal and going straight to the bank is better. Or buyers will get the first mortgage 50-60% from the bank then a top up loan from the developer for any shortage. This still puts a handful of cash in the developers pocket. Lend 20% to the buyer but charge 5% higher on the property price. Something like this but every price list has different offers.