Now writing — Caringbah & greater Sydney

Your project.
Greenlit.

Development and investment finance that moves at the speed of your ambition. We exist for one moment — the one where everything goes green.

Start your file How it works →
Duplex finance ● Live
Investment lending ● Live
Construction loans ● Live
Private funding ● Live
SMSF lending ● Live
How it works

Three steps to green.

01

The 48-hour read

Send us your deal — a site, a purchase, a refinance, an idea. Within 48 hours you'll know if it's financeable, with which lenders, and what it takes to get there. No forms-first nonsense. The answer first.

02

The build

We structure the deal before we submit it. Right lender, right structure, right order of operations. One application, done properly — not five applications hoping one sticks. Your credit file is an asset; we treat it like one.

03

Greenlit

Approval lands. We manage every milestone through to settlement — and we don't disappear after. Every client gets an annual position review, because the next green light is always coming.

The Greenlit feasibility tool

Does your duplex stack up?

Enter your numbers. Get an instant read on margin, deposit, the likely lender tier, and a live Greenlit rating — before you call anyone.

Your project
$
$
$
$
Greenlit
Strong project. Financeable now.
Healthy margin and a clean borrower profile — this sits comfortably at standard residential construction terms.
Total project cost
$2.25M
Projected margin
$648K
Margin %
28.8%
Indicative deposit
~$560K
Likely lender tier
Macquarie / Bluestone — bank-tier construction
Get the real 48-hour read →

Indicative estimates only, based on general lending guidelines — not a valuation, credit assessment, or advice. Your actual position depends on your full circumstances and lender assessment.

The Greenlit board

Deals, in motion.

Most brokers hide their work. We show ours. A live, anonymised look at what's moving through the pipeline — because speed and outcomes are the whole point.

Project
Type
Status
Days

Anonymised for client privacy. Representative of typical Greenlit deal flow.

What we finance

Built for people
doing real things with property.

Live

Investment lending

First investment property to your fifth. Structures built for the portfolio, not just the next purchase. Equity release, debt recycling, and a broker who tells you what you can do before you ask.

Check your position →
Live

Self-employed & complex

Business owners, contractors, trusts, companies. If your income doesn't fit in a payslip, you need a broker who reads financials fluently. Full-doc, alt-doc, and everything between.

Talk it through →
Live

SMSF & structures

Property in super, trust lending, company purchases. The deals most brokers avoid because they're hard. We work alongside your accountant and planner — they stay in the loop on everything.

Ask about SMSF →
The promise

You don't hire Greenlit.
You get greenlit.

Every client. Every deal. One promise: you'll always know exactly where your file stands, what happens next, and when you'll hear from us. No chasing. No silence. No surprises.

48hr
Deal feasibility read
60+
Lenders & private funders
12mo
Position review, every client
For agents & developers

Sell it Greenlit Ready.

Selling a duplex site, a development-approved block, or a project? We pre-assess the finance so your buyers arrive confident, qualified, and ready to move. A faster sale for you. A de-risked deal for them. Our name working for you on every listing.

Greenlit Ready Finance pre-assessed

The badge agents add to listings and campaigns. It tells buyers the finance pathway for this property has already been assessed — indicative, subject to individual assessment, but enough to turn a hesitant buyer into a confident one.

01
Submit the site
Send us the property and project. Takes two minutes.
02
We assess in 48 hours
Feasibility, likely lender, indicative deposit, financeability rating.
03
You get the badge + summary
A co-branded one-page finance summary for your listing and campaign — your logo beside ours.
04
We look after your buyers
Interested buyers come to us finance-ready. You sell faster; they move with confidence.
Sell faster

A buyer who knows the finance works is a buyer who acts. The badge removes the biggest hesitation on a development deal.

Stand out

No other agent in your patch is listing duplex sites with the finance pre-assessed. It signals you've done the homework.

Cost you nothing

No fee to you, ever. We earn from the finance when your buyer proceeds. You just sell more, faster.

Become a Greenlit Ready partner →

The Greenlit Ready badge indicates general finance feasibility for a property and is not an offer of credit or a guarantee of approval for any individual. All lending is subject to individual assessment and lender approval.

By invitation

Greenlit Black

For serious developers running multi-dwelling and major residential projects. A dedicated, hands-on finance partnership — structured deals, private capital access, and priority execution from feasibility through to completion.

Direct capital lines
Private funders and development financiers, accessed directly — not through a queue.
Deal structuring
Feasibility modelling, capital stack design, and exit strategy built around your project.
Priority execution
A dedicated line to Luke and first position in the pipeline. Your deal moves first.
Request an introduction

Limited engagements. By application and assessment only.

Straight answers

Duplex finance, demystified.

The questions developers and investors actually ask us. No jargon, no spin.

Do I need presales to finance a duplex?

Usually not. If you're building a duplex and keeping both dwellings — or living in one — most lenders require zero presales. Presales only become a factor when you're selling dwellings off the plan, and even then the right lender can often waive it. Many people talk themselves out of a project over a rule that doesn't apply to them.

How much deposit do I need for a duplex build?

For a standard residential duplex construction, lenders typically fund 70–80% of total project cost (land plus build), so you're looking at roughly 20–30% deposit or equity. A clean borrower with strong income sits at the lower end; complex income or a trickier site pushes it higher. Our feasibility tool above gives you an indicative number in seconds.

The bank said no. Is my project dead?

Often not even close. The major banks structurally retreated from development lending years ago under capital rules — so a bank "no" frequently means you're simply at the wrong door, not that the deal is bad. Non-bank and private lenders fund exactly these projects, assessing on feasibility rather than rigid policy. Knowing which lender suits your specific deal is the whole job.

Can I get duplex finance if I'm self-employed?

Yes. Self-employed and complex-income borrowers are a core part of what we do. Several lenders now offer construction loans up to 80% specifically built for self-employed borrowers, accepting alternative income documentation. The key is matching your income profile to the right lender from the start — not applying everywhere and hoping.

What's the difference between peak debt and end debt?

Peak debt is the most you owe at any point — land plus construction plus capitalised interest during the build. End debt is what's left after any sale proceeds. Lenders care about both: peak debt against the project's viability, and end debt usually capped around 70–75% of completed value. Getting these right upfront is what makes a project financeable.

My block is in an R2 zone — can I build a duplex?

Quite possibly — and this changed recently. Since February 2025, dual occupancy is permitted in R2 low-density zones across NSW, including councils that previously banned it. If your block is 450m²+ with a 12m frontage, it may now be duplex-capable even if it wasn't a year ago. Always confirm the specific council's controls — happy to check a site for you.

How long does duplex finance take to approve?

It depends on the lender tier. A clean deal at a major can take several weeks. Non-bank and private lenders move faster — some settle in days when speed matters, like a tight exchange. We give you an indicative read within 48 hours of seeing your deal, so you're never left guessing.

Have a question that's not here? Ask us directly →

Start here

Tell us what
you're building.

A deal, a site, a plan, a maybe. Whatever stage you're at, the first conversation costs nothing and you'll leave knowing more than you came with.

Direct line
0458 993 552
luke@greenlitfinance.com.au

We respond within one business day. Always.