The Small Developer's Pre-EOFY Money Map for 30 June
Developer Pre-EOFY Finance Checklist | Switchboard Finance
Property Lending Hub
EOFY Planning · Development Finance · Property
The Small Developer's Pre-EOFY Money Map for 30 June
Twenty-two days out from 30 June, every settlement, drawdown, valuation and facility review on a small developer's calendar competes for the same window. The money map sequences those decisions in the order lenders and valuers can actually deliver them, so the year ends on your terms rather than the calendar's.
Quick Answer
A pre-EOFY money map sequences every settlement, drawdown, valuation and facility review against the end of the financial year so nothing lands in the closed-out week. Most small developers work backwards from the exit strategy and book valuations first, because lead times set the real deadline, not lender appetite.
What the 30 June Money Map Actually Sequences
The 30 June money map is a single ordered list of every dated money decision across your projects: settlement dates, drawdown claims, valuation bookings, facility reviews and tax-adjacent purchases, ranked by how movable each date really is. At T-22 to year end, the ranking matters more than the items themselves, because two decisions that are easy in isolation can be impossible in the same fortnight when they depend on the same valuer, the same credit team or the same pool of cash.
From the broker's side of the file, the pattern repeats every June. Dates written into contracts, such as a settlement or a certified builder's claim inside a development finance facility, are fixed. Dates that depend on a third party's diary, such as valuations and credit assessments, are softer than they look on paper and slip first. Dates you control, such as lodging a new application or ordering equipment, are the ones to move deliberately rather than by default.
If staged funding is new territory, the primer on how development finance works covers the mechanics; the property lending hub collects the rest of the lane. This post assumes the facility exists and asks a narrower question: in what order do you work the dates between now and 30 June?
Settle, Draw, or Defer: The Three Calls on Every June File
Every dated item on the map resolves to one of three calls: settle, draw, or defer. The discipline is making each call early, while all three options still exist. By the final week of June the calendar usually makes the call for you, and the option it picks is rarely the cheap one.
Select your scenario
Settle, if the funding and the valuation are both already in place.
A June settlement works when approval is done and the valuation is current. If either is missing, the realistic routes are short-term funding secured against property you already hold, or a deferred settlement negotiated with the vendor. Speed costs more, so it has to beat the cost of waiting.
June callThe settle call is where short-term funding earns its keep. A caveat loan can complete in days rather than weeks because a caveat sits behind the existing mortgage instead of replacing it, which suits a vendor deadline that will not move. The draw call is mostly administrative if the claim is certified, and the defer call is the quiet winner more often than developers expect, especially when the sell-down on a completed stage is the thing that actually funds the next move.
Valuation Lead Times and Facility Review Season
Valuations are the slowest moving item on the map: valuation lead times, typically measured in weeks, indicative, stretch further as panels book out toward 30 June. Everything that depends on a valuation inherits that lead time, which is why the map is built backwards from the valuation booking rather than forwards from the settlement date. A stale valuation also quietly moves your loan-to-value ratio, and a moved LVR is the first thing a credit team queries.
June is also facility review season. Lenders re-run project numbers before their own year end, check sales progress against the original schedule and confirm the facility is still inside its approved terms. A developer who walks into that review with a documented sales position and a current valuation has a short meeting. A developer carrying a facility toward expiry with unsold stock has a different conversation entirely, which is covered in our guide to a construction facility expiry with unsold stock.
Completed commercial stock has one more June option worth knowing: once a tenant is in place, some developers move a held unit onto a lease doc commercial property loan, which turns a review problem into an income line and frees the development facility to close out cleanly.
Where the Budget Fits the Map, and Where It Does Not
The Budget 2026-27 measures sit at the edge of the money map, not the centre. The headline item for small business is the write-off window, around 20,000 dollars per eligible asset, proposed permanent from 1 July 2026, not yet law. For a developer that covers eligible plant and equipment, not land or construction costs, so it shifts the timing of a ute or site equipment purchase rather than the project calendar itself. The measure is before Parliament; the Budget 2026-27 papers set out the proposal as it stands, and present-tense is the only honest tense until it passes.
Payday Super also starts on 1 July 2026, which changes the cadence of super payments from the first pay run of the new financial year. For a developer running a small crew through a company, that is a July cashflow line worth pencilling into the map now, not a June decision.
The practical move at T-22 is sequencing, not prediction. Lock the dates that are fixed, book the valuations that gate everything else, make the settle, draw, or defer call on each file while the options are still open, and if a June completion needs funding behind it, check eligibility early enough for the answer to matter.
The last three weeks of June reward developers who treat the calendar as the constraint, not the lender. Valuations gate settlements, settlements gate drawdowns, and facility reviews sit over all of it, so the map is built backwards from the slowest item. Fixed dates get funded, soft dates get managed, and movable dates get moved on purpose. The Budget measures are ambient context; the sequencing is the work.
Key takeaway: Build the 30 June money map backwards from the valuation booking, and make every June file a settle, draw, or defer decision before the calendar decides for you.Frequently Asked Questions
Before 30 June, a small development business should map every settlement date, drawdown claim, valuation booking and facility review against the calendar, then decide which items must complete this financial year and which can move to July. The sequencing matters more than any single item, because the exit strategy on each project determines which dates are actually fixed. Valuations go first, since their lead times set the critical path for everything behind them.
A developer can settle a site purchase before 30 June at short notice in some cases, but the funding route usually changes. Bank-style facilities rarely complete inside a tight June window, so short-notice settlements typically run on a caveat loan or a private facility secured against property the developer already holds, refinanced later into longer-term funding. The trade-off is cost for speed, and it only makes sense when the contract terms make waiting the more expensive option.
Valuations need to be ordered well before the end of the financial year if a June settlement or drawdown depends on them, because valuer panels book out as 30 June approaches and lead times stretch. A valuation ordered in late June usually becomes a July file, which moves the whole decision into the new financial year. An early booking also keeps your loan-to-value ratio reading current, which matters when a facility review is close.
The instant asset write-off applies to eligible plant and equipment a development business buys and uses, not to land or the build itself, so for most small developers it is a side item next to settlements and staged drawdowns rather than a core EOFY lever. The Budget 2026-27 proposal to make the measure permanent from 1 July 2026 is before Parliament and not yet law, while the current write-off window still closes with this financial year. Check the detail with your accountant rather than building the project calendar around it.
Development facility reviews usually cluster around the end of the financial year, when lenders re-run project numbers, check sales progress and confirm the facility is still inside its approved terms. June is facility review season across most non-bank books, so a developer carrying a facility into July should have the sell-down position documented before the review lands. A facility approaching expiry with unsold stock is a different problem again, covered in our guide to a construction facility expiry.
FBAA Accredited
