How the 2026-27 Budget changes builder finance, mapped to where you are in the build, from equipment and caveat cashflow to development and bridging.

How a one doc home loan reads a builder's earning capacity after a write-off year, from an accountant's letter and BAS, not two years of tax returns.

How builders bridge the gap between build stages or a settlement, with short-term funding repaid on the next drawdown, sale or refinance.

How open banking changes the way self-employed builders compare a non-bank commercial property loan, assessed on the deal not the tax return.

From 1 July 2026, super moves with the pay run. How builders use a planned caveat bridge to cover the wage and super run when a client pays late.

How a One Doc lender treats equity locked in a live development as your home loan deposit, plus the servicing read and the exit once the build sells.

Second mortgage now or wait for FY27? How the announced 1 July 2027 negative gearing and CGT changes affect the timing of an equity release decision.

A caveat loan can still settle before 30 June if the file is clean. The final-week timeline, what disqualifies a file, and how the exit is priced.

A map of five property-backed funding levers a self-employed owner can use before 30 June, matched to equity and timeline, plus the FY27 tax outlook.

What a development finance lender checks first on an EOFY-start file: feasibility, entity structure, staged drawdowns and your exit. Self-employed focus.