Background
A long-standing, high-net-worth property investor with a relationship history spanning more than a decade with Development Finance Partners. Known for a disciplined investment approach and strong market acumen, the client sought to leverage an unencumbered asset to unlock capital quickly allowing them to act on upcoming opportunities with speed and confidence.
Project Overview
This project involved a strategic cash-out refinance, using a single, unencumbered asset to access capital without the limitations often imposed by traditional lenders. The goal was to release equity and maintain flexibility for timely investment deployment in the property market.
Key Metrics
- Loan Amount: $14,650,000
- LVR Against Valuation: 70%
- Loan Type: Equity release / refinance
- Settlement Timeline: 4 business days post-approval
The Challenge
The client had already received an offer from a major retail bank, but the terms were far from ideal:
- LVR was capped at 50%, despite the strength of the asset.
- Interest was deducted upfront, reducing the usable funds.
- The facility structure lacked flexibility and didn’t support the client’s preferred financial strategy or timeframe.
For an experienced investor with a strong asset position and time-sensitive plans, the conventional approach wasn’t fit for purpose.
The challenge was to access maximum liquidity, on the client’s terms, quickly and efficiently.
DFP’s Role
With over ten years of trusted partnership, the client turned to Development Finance Partners for a more tailored solution. They knew DFP could navigate non-bank lending channels and deliver a facility aligned with their broader investment strategy.
DFP worked closely with the client to:
- Understand the time-critical nature of their plans
- Identify a lender willing to support full cash-out
- Structure a solution with minimal friction and maximum flexibility
Strategic Financing Approach
DFP arranged a self-declared income facility—removing the typical verification roadblocks faced in traditional banking. The structure offered several key advantages:
- Full cash-out allowed with no interest deducted upfront
- No all-monies guarantee required, reducing cross-liability risk
- Client’s preferred valuer approved, improving speed and transparency
- No capitalised interest, allowing the client full access to funds from day one
Once approved, the facility settled in just four business days, delivering well above the client’s expectations and enabling immediate capital deployment.
Results and Benefits
By tailoring the facility to suit the client’s needs, DFP was able to secure a solution that delivered clear and immediate advantages:
- $14.65M cash-out facility settled within four days
- 70% LVR on a single asset
- Full control and flexibility, with no unnecessary restrictions
- Simplified process using the client’s preferred valuer
- No cash erosion from prepaid interest or holding costs
This result empowered the client to move forward with speed—ready to invest in high-return opportunities as they arise.
Conclusion and Advice
The client is now strategically positioned to take advantage of current and future property market opportunities, using released equity to fund acquisitions as they emerge.
Their advice to other investors?
“Engage a finance partner who understands your goals and can deliver tailored solutions quickly—especially in time-sensitive market conditions.”
Why Did the Client Choose DFP to Assist Them?
With over a decade of successful transactions together, the client knew DFP had the capability, lender access, and structuring expertise to deliver where traditional banks could not. The relationship, built on trust and consistent performance, made DFP the clear choice to execute a fast, flexible equity release under pressure.
Client Testimonial
"The professionalism and skill provided by the team at DFP is second to none, which is a testament to their market knowledge and understanding of the client’s requirements."