Anonymized deal shapes drawn from the files Archer Wealth actually writes. The shapes that clear, the structures behind them, the outcomes.
Representative deal shapes · Not specific transactions · For information only
Settle before sale, refinance gap, planning approval window.
Borrower had exchanged at auction on a Bondi family home with an unconditional date 4 weeks out. Existing property in Bronte under contract but settling 8 weeks after the new property. Bank could not match the timing.
Prime registered first mortgage, residential or commercial security.
Self-employed investor with a profitable business and two years of strong financials, but a one-off ATO timing issue from a prior year. Bank serviceability calculator rejected the file despite real cashflow easily covering the loan.
Release capital behind an existing first mortgage.
Self-employed borrower with strong equity in a Toorak family home, an existing first mortgage fixed at a rate well below current variable, and a six-figure ATO debt the bank would not refinance into a top-up. Full refinance would have meant losing the fixed first.
Land settlement plus construction, QS-monitored, with residual options.
Experienced developer with a DA-approved site for three townhouses in an inner-west Sydney suburb. Bank credit committee 4 months out; site needed to settle inside 6 weeks to hold the contract. Pre-sales on two of the three units.
Commercial property security, owner-occupier or investment.
SME owner acquiring the industrial warehouse the business already leased. Strong trading cashflow, full doc, but bank credit timeline did not match the vendor's contracted settlement date. Borrower needed to clear settlement to hold the property at the agreed price.
Short-dated property-secured liquidity, settlement in days.
Vendor finance arrangement falling through on the day of settlement on a Sydney metro residential acquisition. Buyer had equity in a separate unencumbered property but no time for a standard process.