LVR against GRV, LTC against cost, presale cover, QS-certified draws and the lender tiers, with September 2026 rates and the construction cost data behind them.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
Both ratios on the same six-townhouse project, and why the lower one sets your loan.
The cost stack with sourced percentages, the margin lenders want, and the QS and DA documents.
Major banks, non-banks, private credit and mezzanine: presale cover, rates and where each fits.
How it differs from standard lending, and what changed in 2026
The two ratios that size your loan and set your equity
What lenders assess, and the lines developers leave out
What counts, what does not, and what changed
How money actually reaches your builder, and how long it takes
Banks, non-banks, private credit and where mezzanine fits
Where projects fail, and what the developers who repeat do differently
Your sequence, and the government settings that affect it
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