Things you can actually use.
Tools, guides, calculators and resources built out of how property capital actually gets placed — not summarised from a policy document. Take what is useful into your own practice: model a deal before you quote it, work out which constraint is really blocking a file, or hand a client something that answers their question properly. All free, no gate.
Tools.
Development Feasibility Calculator
Test a whole project the way a lender will: margin on cost, peak debt, IRR and required equity, with duty, land tax and GST for every state and territory.
AccessRenovation Feasibility Solver
Work a renovate-to-sell project from either end — what a purchase price returns, or the most your cash supports. Includes facility cost, peak debt and return on cash.
AccessPolicy Exclusion Handler
The constraints that get property deals declined — interstate security, stale valuations, seconds behind a bank first, servicing that fails on paperwork — and what actually moves each one.
AccessResidual Stock Decision Tool
Hold or discount? Put in your settlement profile and facility cost and see the holding cost against the discount needed to clear, month by month.
AccessAustralia's Housing Deficit Live Tracker
A live counter of the national housing shortfall, built from AMP, HIA and NHSAC estimates of the gap between homes built and homes needed.
AccessDevelopment Funding Stack Calculator
Size a senior facility at the lesser of LVR and loan-to-cost, layer mezzanine against the real gap, and see the equity left to find — with return on cost against the hurdle credit applies.
AccessBridging True-Cost Calculator
Turn any short-term quote into one effective annualised number: rate, establishment fee, minimum term, prepaid interest, disbursements and the cost of getting out.
AccessSecond Mortgage Sizing Calculator
What a second mortgage can actually advance — headroom under the combined LVR cap, less retained interest, fees and the debts cleared at settlement.
AccessPayout-Figure Audit
Rebuild a discharge figure independently before you rely on it — full-term interest, less interest already prepaid, plus itemised legals and disbursements.
AccessDevelopment Site LVR Decision Tree
Zoning, permit status and the valuer's highest-and-best-use finding decide your land LVR before a lender forms a view. Five questions to an indicative band.
AccessSecond Mortgage or Caveat
Three instruments, three consent requirements, three timelines. Six questions to the structure that fits, and the order the consents have to happen in.
AccessDevelopment Finance Application Pack
The consolidated document set a development lender needs before formal assessment — property, entity, planning, construction, financial and settlement — in one tickable checklist.
AccessProgress Claim Playbook
From claim to cleared funds, and the six things that stall it. Why the QS certifies against physical works, not against what you have already paid the builder.
AccessPrivate Lender Term-Sheet Decoder
Interest basis, minimum term, interest reserve, default rate, exit fees and the conditional pricing language to query in writing before a term sheet reaches your client.
AccessDocument Checklist Pack
What a lender needs by scenario — low-doc, investor purchase, trust or company purchaser, refinance and construction — so the pack goes in complete rather than in instalments.
AccessAccountant's Letter Prep Kit
What lenders accept in an accountant's letter, the format, the shelf life, and how to brief your accountant for the verification call. Written to forward straight to them.
AccessTrust & Company Pre-Clearance Checklist
What a lender checks in a trust deed or company structure before it will lend, and what to fix before lodging rather than after a decline.
AccessPre-Settlement Pack
Certificate of currency wording, execution and witnessing, trust deed certification, guarantor advice and the workspace steps that decide whether settlement holds.
AccessSettlement-Day Playbook
What actually happens when funds are short or a cut-off is missed, the options in order of preference, and the checks that stop a shortfall being found on the day.
AccessManager Due-Diligence Questions
The questions a wholesale investor or adviser should put to a private credit manager on panel governance, valuation independence, construction control and adopted value.
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