In Episode 202 of the Property Mastermind Podcast, Hilary Saxton and Bob Andersen revisit the most important points from their recent live lunchtime event on property development finance.

This episode is a must-listen if you're unclear about how development finance works, who lends the money, and how to structure deals for approval. From the two core funding stages to no-doc loans, capitalised interest, and lender types, Bob shares real experience and practical insight that new and seasoned developers need to understand.

Episode Highlights

[00:00] Intro and recap of the live finance session
[01:20] Why limited-time replays drive action and protect valuable IP
[02:45] Plans to re-record the session as a more visual YouTube version
[03:54] Book giveaway: Property Millionaires Exposed goes to Genita Abraha
[04:57] The two stages of property development finance: acquisition and construction
[07:15] Three ways to finance a development depending on cash and approvals
[09:50] Why residential banks don’t typically finance developments
[12:00] Understanding non-bank lenders and when to use them
[14:02] Why some developers use investment loans as a workaround for site purchases
[16:03] How second loans replace first mortgages at construction phase
[17:19] When private individuals provide second mortgages
[18:57] Types of lenders: banks, non-banks, and private equity
[20:00] APRA vs ASIC vs unregulated lenders
[21:29] No-doc loans: what they are, who uses them, and how they work
[24:58] Capitalised interest and why it helps manage cash flow
[26:39] How non-banks assess the deal more than the person
[27:44] Understanding line fees and how they affect your costs
[29:44] Real-world finance win: 4-hour loan approval on an apartment project
[31:45] Real-world finance challenge: when a broker’s misstep nearly lost a deal
[34:43] Why your feasibility must include what valuers and lenders need
[36:28] Developers selling to developers: why transparency matters
[37:50] Handover success for mentoring student David—project complete and listed

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