Duplex Construction Finance
Finance your duplex or dual-occupancy project from land acquisition through to completion. Whether you are building to sell, hold, or live in one and sell the other, we structure the right facility for your project.
Key Features
Single-Lot Development
Finance for dual-occupancy builds on a single title
Entry-Level Projects
Ideal starting point for first-time developers
Competitive LVRs
Up to 80% LVR for owner-occupier duplexes
Fast Turnaround
Simpler assessments mean quicker approvals
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationBuilding Two Dwellings on One Block
Duplex construction finance covers the build of two dwellings on a single lot — whether a knockdown-rebuild to duplex, a rear-of-block addition, or a purpose-built dual-occupancy development. These projects offer an accessible entry point into property development with manageable risk and strong returns.
Lenders view duplexes favourably because the project scale is contained, construction timelines are shorter, and the end product appeals to both owner-occupiers and investors. This translates to more competitive rates and higher LVRs compared to larger multi-unit developments.
Finance Structures for Duplex Builds
Duplex finance can be structured as a standard residential construction loan for owner-occupiers, or as a commercial construction facility for developers. The right structure depends on whether you plan to retain both dwellings, sell one or both, or subdivide the land into separate titles.
We assess your plans and recommend the most cost-effective structure. For subdivide-and-sell strategies, we arrange construction facilities that allow lot registration and individual sales. For hold strategies, we ensure the facility transitions smoothly to long-term investment lending.
Discuss Your Duplex Construction Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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