$3.3M Acreage Property in Ipswich

The Situation

A client was looking to purchase a large acreage property in Ipswich, QLD as a long-term investment, with the potential for future development.

The property had strong underlying value, but it also came with an unusual factor — high-voltage power lines running through the property.

The client wanted to move forward with the purchase, but the property did not fit neatly into the standard lending criteria used by many traditional banks.

The Challenge

The main challenge was finding funding that worked with the property itself, rather than trying to force the property into a standard bank lending model.

The client needed enough funding to secure the property while retaining the flexibility to work towards their longer-term investment and development plans.

The Solution

We explored a short-term property lending option based on the property’s value and the borrower’s overall position.

Loan: $3,300,000

LVR: 60%

Estimated Property Value: ~$5.5M

Term: 12 months

Strategy: Long-term land holding with potential future development

This provided the client with funding to proceed while giving them time to work towards their longer-term plans.

The Process

Rather than simply looking at whether the property met a traditional bank’s criteria, we looked at the bigger picture:

1. Understand the goal — Why the client wanted the property and what they planned to do with it.

2. Assess the property — Consider the property’s value, location and unique characteristics.

3. Review the overall position — Look at the borrower’s financial circumstances and available equity.

4. Explore suitable funding — Identify lending options that could accommodate the property’s circumstances.

5. Structure the finance — Work towards a funding structure that supported the client’s immediate purchase and longer-term strategy.

The Takeaway

Not every property fits neatly into a traditional bank’s lending model.

An unusual property doesn’t necessarily mean there are no options. The right approach starts with understanding the property, the borrower and the plan.

If you’re looking at a property that doesn’t fit the usual lending process, give us a call and let’s have a chat about your options.

Email add: contact@ahtl.com.au

Contact No.: +61 482 788 143

Address: 138 Kangaroo Road Hughesdale 3166

Helping Victorian homeowners make more of the property they already have — renovations, downsizing, granny flats, subdivisions and other property opportunities, right across Victoria.