The FY27 Reset: Property Finance Moves for the New Financial Year
What the new financial year changes for property finance: tax settings, lender appetite, and how to stage your FY27 lending pipeline from 1 July.
Director's Guarantees and Your One Doc Home Loan
How lenders assess director's guarantees as contingent liabilities on a One Doc home loan, and why upfront disclosure strengthens the file.
The Exit Plan Private Lenders Want Before Funding a Second Mortgage
Private lenders assess the exit plan first on a second mortgage. What exit credibility means, which exits hold up, and how to pressure-test yours.
When Construction Costs Outrun the Senior Facility
When construction costs outrun the senior facility, four top-up paths can fund the gap. How developers sequence variation, second mortgage and mezzanine.
Second Mortgage on a Development Site When the Senior Is Stretched
How lenders assess a second mortgage on a development site when the senior facility is stretched: combined LVR, equity buffer, valuation and consent.
Retention and the Final Claim: A Builder's EOFY Read
Retention sums, the final claim and practical completion, and where the 30 June line bites the release. A broker's EOFY read for builders.
One Doc Home Loan When Your Capital Is Tied Up Mid-Build
How lenders read self-employed income for a One Doc Home Loan when your capital is tied up mid-build. Drawings, BAS profile and deposit evidence.
When a Progress Claim Is Short-Paid: The Caveat Exit Risk
What a short-paid or varied-down progress claim does to a caveat loan exit, and the paths brokers work when the shortfall lands near 30 June.
Commercial Property Loans in Adelaide: A Builder's Guide
A builder's guide to commercial property loans in Adelaide: owner-occupier purchases, indicative LVR ranges, valuations and FY27 settlement planning.
What Each Line on a Progress Claim Tells Your Lender
What lenders read on a construction progress claim: payment schedule line items, variations, retention and how certification timing affects funding.