Need some info please guys and girls. Building is my strong point, finance and dollar signs is not. My block has been rezoned and is a fairly simple retain and build (aka new 4x2 at rear and keep existing at front). Looking at doing it while build pricing is competitive/quiet. However, I need money to do this. From my understanding on the building side of things, we are always given a letter from the bank stating the client has the funds/finance to cover the build and off we go after providing claim breakdown. From the other end, how do I achieve this? I anticipate at worst $300k for the process, but obviously this would not suffice for the bank. Alternatively, I can go spend money getting plans done and quotes from builders, provide this to the bank and ask for the funds. This I am guessing would be dependent on anticipated end valuation. I don't particularly want to do this only for my finance to be declined, as I will need to spend some of my own cash as a deposit for plans or to contract one of my draftsmen to do this for me. So, from this end valuation, does this determine LVR? If final valuation would be $400k, will they give me $300k based on a low LVR, or will I need to pony up a 20% deposit in cash for the $300k build? Possibly a stupid question to others, but I live my life on the motto that no question is a stupid question.