A development lender underwrites your builder as well as you. What gets checked on licence, capacity, cover and contract before a facility is approved.

A director or business guarantee is exposure, not drawn debt. How a contingent liability reads on a One Doc home loan file, and what to sort out first.

Interest on a development facility is drawn against the loan, not paid monthly. See what the interest reserve does to your build headroom before you sign.

NCC 2025 applies in some states and not in others, and Victoria changed its payment rules. What the split does to build finance and to cashflow.

How a development lender tests the revenue side of your feasibility, from qualifying contracts and comparable evidence to the assumed sell-down period.

How lenders read a home loan file after an ATO debt is cleared, what dated proof of discharge they accept, and when alt doc is no longer needed.

Buying plant from a related entity changes the chattel mortgage file. What funders check on valuation, the tax invoice, GST and PPSR clearance.

How a tax debt is paid out at settlement when a second mortgage funds it. Who is paid, in what order, and where the sequence commonly breaks.

What a lender needs on the table before it can assess finance for a business carrying an ATO debt, and how the ATO disclosure test changes the read.

Which business debt to clear first when cash is tight. The order across secured, statutory and supplier debt, and what a lender needs resolved first.