Development Finance Partners (DFP) was engaged by a property advisory group to restructure existing debt facilities secured across a portfolio of assets located in New South Wales and Victoria.
The restructure was driven by the need to reduce debt against a key landbank asset following a downward valuation adjustment. The change affected loan-to-value ratio (LVR) thresholds and introduced compliance risks under the client’s existing finance arrangements.
The client sought a solution that would restore compliance, reduce financial pressure, and release equity for broader strategic flexibility.
The property portfolio included mixed-use assets with varying security profiles and loan structures. One landbank asset within the portfolio had dropped in assessed value, triggering a breach in the LVR covenant under the mortgage agreement.
DFP’s objective was to develop a tailored funding structure that:
Spanned multiple property types
Restored compliance with existing loan terms
Released over $2.7M in cash to reduce landbank-related debt
Offered loan terms tailored to each asset’s profile, from short-term finance to long-term amortising facilities
Key Metrics
Facility Size: $18,000,000
Finance Type: Mixed (refinance + cash-out + landbank support)
LVR: 75% average across the portfolio
Loan Term: Ranged from 1 to 30 years depending on the asset
Cash Released: $2,700,000+
Location: NSW and VIC
The portfolio restructure involved multiple security types and lenders
A key landbank asset required urgent debt reduction to restore LVR compliance
The client needed access to significant cash-out to reduce exposure and preserve strategic control
Finance terms needed to be tailored per asset, not applied as a blanket solution
DFP carried out a full credit assessment and asset-level review, then engaged its capital partner network to structure a flexible, asset-specific funding strategy.
The solution included:
$18M refinance across the NSW and VIC portfolio
75% LVR maintained across all securities
Over $2.7M in cash-out to reduce the landbank facility
A combination of short- and long-term loan facilities, matching each asset’s profile and income plan
DFP’s coordination across multiple stakeholders, including valuers, lenders, and legal teams, ensured the transaction settled smoothly and efficiently.
$18 million funding secured across a multi-asset portfolio
Landbank compliance restored through targeted debt reduction
$2.7 million cash-out released to reduce financial pressure
Loan terms matched to each asset’s profile, from 1 to 30 years
Newfound financial flexibility, enabling the client to explore future development and acquisition opportunities
DFP’s ability to deliver tailored portfolio finance solutions was critical in unlocking $2.7M in capital and restoring loan compliance for this client. By structuring a flexible, multi-asset refinancing package, DFP positioned the client to move forward with confidence,well-capitalised and in control of their strategic roadmap.
Whatever the size of your development plan, DFP have a wealth of experience and strong relationships to help you succeed. Contact us to explore your tailored finance options.