Hi guys, I truelly need some valuable advise on financing a property for subdivision I own, that has been issued a planning permit - two lot subdivision. Both lots have existing dwellings, one is residence (lot 2) other unoccupied.(lot 1) , established circa 1910. There are 17 conditions in total imposed, more than expected. Storm water management plan = contracting Civil Engineer & Open Space Contributation on Lot 2, Building report health safety, other conditions are utilities. Propose to sell off lot 2 and retain lot 1 to develope into a residence. After speaking with two realestate agents, finance by way of contract of sale! Subject to conditions, once a buyer is secured, speak to bank they will provide a bank guarentee for works? Is this right? And how does this work? Unable to finance using equity - equity is available to the sum of $65k but my income will not support additional borrowings. Which also rules out personal loan, overdraft, credit cards. Would going to a broker help? Contracting a civil engineer for project managing the subdivision? Would they do installment payments ( upfront payment, middle payment, then completion payment) this would help as I can access small amounts. Or do you pay at the end? Appreciate any advise thank you for reading.