A 30 June money map for small developers. Sequence settlements, drawdowns, valuations and facility reviews before EOFY, with broker timing notes.

How a one doc home loan works when your profits sit inside the company: what the declaration covers, how lenders read it, where the accountant letter fits.

What private lenders read in a DA-approved site file before they fund it: the red flags that stall a deal and the green flags that get it priced.

How a residual stock loan releases equity from completed unsold units so a small developer can secure the next site before 30 June.

GRV, total development cost and residual margin decide a development finance approval. How lenders read the three numbers, from the assessor's side.

Broker or direct to lender for your cafe premises purchase? How a broker-led path sequences facilities and protects the owner-occupier read in 2026.

How a one doc home loan works after you commit to a commercial premises, and how lenders read self-employed serviceability with one income document.

How lenders read a cafe building you occupy in part and lease in part: tenant-in-part income, lease-doc vs full-doc, and LVR by use, from a broker's desk.

How private lending covers a cafe premises deposit gap: the LVR shortfall math, a second mortgage or caveat top-up, and the exit that decides the deal.

What cash a cafe owner needs around a premises purchase: deposit, stamp duty, disbursements and the working capital that carries you through settlement.