Case Studies

A selection of transactions led by our team across current broking portfolios and prior banking roles.

Inner-Melbourne Townhouse Development VIC

A $3.7M development facility for a client acquiring and redeveloping an ageing inner‑Melbourne residential site into four townhouses. The structure enabled the project to proceed without presales, supported by additional security and an interest‑capitalised facility to manage cash flow during construction.

• $1.8M land acquisition; $1.9M construction and contingency

• GRV $5.4M across 2 × 3‑bed and 2 × 4‑bed townhouses

• Interest‑cap facility to preserve liquidity during build

• No presales required; additional security of $680k commercial + $1.6M residential

• Funding aligned to staged construction and valuation milestones

Service Station Funding Reset SA

A $16M refinance across three South Australian service stations, including a new flagship site under construction. The major bank’s shift to an 8‑year P&I profile created unsustainable cash‑flow pressure. A non‑major lender provided a 5‑year interest‑only structure aligned to trading performance and supported by accountant‑prepared projections that the business ultimately exceeded.

• $16M total facilities across three sites

• 5‑year interest‑only structure replacing major bank’s 8‑year P&I

• Funding aligned to construction and ramp‑up period for new highway site

• Projections validated by stronger‑than‑budget actuals (30/6/26)

• Two additional sites being rebuilt with petroleum‑supplier support, increasing future valuations

Commercial Refinance and Acquisition Capacity WA

A $13M facility combining refinance, tenant‑driven upgrade funding and future acquisition capacity. The structure supported negotiations with a major corporate tenant and preserved flexibility through an undrawn cash‑out line with no line fee. Competitive tension between lenders secured favourable pricing.

• $8M refinance plus $2M for tenant‑related works

• Additional $3M undrawn cash‑out facility with no line fee

• Asset valued at $23.5M with strong corporate tenancy

• Incumbent non‑major matched major‑bank pricing to retain client

• Facility structured to support future acquisitions and lease negotiations

Refinance for Investor with Outstanding Tax Returns VIC

A $4.0M refinance for a property investor and business owner whose delayed tax returns restricted major‑bank appetite. A non‑bank lender provided a clean reset with a two‑year term and conservative gearing, stabilising the client’s position and removing pressure from mainstream credit settings.

• $4.0M facility at 55% LVR

• Two‑year term with simplified covenants

• Strong security position across Melbourne suburban assets

• Non‑bank solution to accommodate irregular ITR timing

• Improved liquidity and reduced administrative friction