Most lenders/retention teams are across this practice, i.e. initiating the call upon receiving the discharge request/form. Most are now only...
One policy that may fit depending on how things are structured and how you pay yourself is CBA and ANZ's wages policy. These lenders just need...
You need to engage your bank or broker to determine your borrowing capacity. Re the $1.4mil build cost - how many sqm have you based this off?...
Yes subdivision costs is another one to factor - good pick up
It may be difficult to live in a unit with 2 kids - some can do this quite easily and even prefer a unit but most will outgrow the space and will...
An Architect generally does building approval (DA) plans - this is for approval of the building. Then the builder will require structural plans....
Hydraulics should be around $4k. Also does the $11k architect fees include structural or only plans? Does the landscaping include any retaining...
The Newcastle Permanent will allow construction (you will need credit approval) but the Pepper option does not. In terms of commercial lenders -...
If the build cost is $1.1mil I would factor in an additional $100,000 for unexpected or variation costs. Things that may come up during...
Are you engaging the council directly or via an architect/town planner? Recommend engaging a decent town planner (although maybe somewhat costly...
I think you are referring to a Boarding House - if so then you have 2 options being Residential and Commercial lending. Assuming you can't get...
Don't go custom unless there is a need for it (funky block size/shape, area demands custom, etc). Project home builders are easier to work him...
Sit on it for as long as you can - R3 even in Lake Mac is valuable. From memory Lake Mac allows you to do multi unit construction under R3 so you...
It's specific to what that council may allow - some councils allow multi unit development even under R2 zoning. The development types available in...
It depends on the council but any R3 (with proposed planning changes) land is gold (if we are talking Sydney metro).
Any solicitor or conveyancer can assist with the transaction - it doesnt have to be SMSF specific. Re the structure - this is on the Broker and...
There is a strategic way you can approach this where you use lender A and not lender B as lender B doesn't factor the liability in future...
Get specific Accounting and Finance advise as it will make a big difference between company vs person. There are future borrowing capacity...
Strongly suggest against small loan term loans - plenty of lenders that are offering a combination of high LVRs, low rates and long (20-30 year)...
Some like Granite, Pepper, Liberty don't have a liquidity test. one of the big differences between all these is going to be the...
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