With $500k available, what options are there if traditional lending isn’t suitable?

The Situation

A client had approximately $500,000 available and wanted to explore property investment opportunities.

However, traditional lending wasn't necessarily the right fit for their circumstances.

The Challenge

The client wanted to make their available funds work harder, but needed a financing structure that could support a property project without relying solely on traditional income-based serviceability.

The Solution

We explored several potential strategies, including private property lending.

Depending on the deal, lender and circumstances, private lending may provide a different approach to traditional finance.

With sufficient deposit or equity, potential strategies could include:

• Purchasing a property that needs renovation

• Renovating and reselling the property

• Building a new property specifically for resale

• Using the available funds as equity or deposit towards a larger project

The Process

The first step is understanding the client's available funds, the property or project they're considering, the expected value and their proposed exit strategy.

From there, we can explore whether a suitable funding structure exists and what the overall costs and requirements would look like.

The Takeaway

Having $500K available doesn't necessarily mean there is only one way to use it.

Depending on the circumstances, there may be different ways to structure a property investment or development project.

Thinking about what you could do with your available capital? Give us a call and let's explore your options.

Email add: contact@ahtl.com.au

Contact No.: +61 482 788 143

Address: 985-999 Etiwanda Ave., Mildura, VIC, AUS

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