The numerate version of development finance.
No fluff, no funnel. The same things we’d tell you on the first call, written down — so you walk into the deal knowing what a credit team is going to ask.
Exit··5 min readWhen to refinance a construction loan to a residual stock facility
The build is done, half the units are sold, and the construction lender wants out. When a residual stock loan beats discounting, what LVR to expect, and the 6–8 week window to start it.
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Tax··6 min readThe GST margin scheme and your development feasibility
The margin scheme can cut the GST on your sales by more than half — which lifts net realisation, improves LTGRV and shrinks the equity you need. Eligibility is decided the day you buy the site.
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Structure··6 min readSenior vs mezzanine development finance in Australia
Senior debt funds 60–75% of cost against a first mortgage. Mezzanine stacks behind it to 85–90%, priced for the risk. How the capital stack works and when the expensive layer is worth it.
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Guide··8 min readHow do you finance a property development in Australia?
Senior construction debt against total development cost, your equity in first, presales where required — drawn down progressively and repaid from settlements. Here's how the whole structure works.
Read- Numbers··6 min read
How much deposit do you need for a townhouse development?
For a typical 6-unit townhouse project, plan on 20–35% of total development cost as equity. Where that range comes from, what counts as equity, and how to sit at the low end of it.
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Broking··4 min readWhat a development finance broker actually does
Anyone can quote three lenders off a list. The value is in lender relationships that are current, not nostalgic — and in a brief shaped for the answer.
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Credit··5 min readWhat actually kills deals at credit committee
Three things sink more development deals at credit than anything else — a feasibility that doesn't reconcile, a builder who can't be verified, and a track record nobody can find.
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Process··5 min readThe order of things: site, feasibility, equity, debt
Developers who chase debt before they have a feasibility and a builder get turned away by every credit committee that matters. The sequence that actually works.
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Primer··6 min readThe language of development finance
TDC, LVR, LTC, LTGRV, ICR, presales. Lenders assume you speak it. A plain-English run through the vocabulary a credit team uses on day one.
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Twenty minutes. No obligation. Straight answers.
If your deal is fundable, you will know inside the call. If it is not, you will know why — and what to fix before it is. Either way, twenty minutes well spent.