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Dual occupancy finance allows you to build or buy two dwellings on one residential title. Rental income from the second dwelling improves serviceability. Construction loans with progressive drawdowns are used for new builds.
Yes. Most major lenders treat dual occupancy residential properties as standard home loans. The second dwelling rental income is included at 70–80% in serviceability. Typically you need a minimum 10–20% deposit depending on the lender.
Yes, in most states. NSW allows CDC approvals for complying dual occupancy developments which are faster. QLD and VIC require DA. Check local council zoning and minimum lot size requirements before purchasing a site.
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