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Your Val should not be low if your budget and the val estimate is 3 oot Where Val's come in short is where u have strata subdivision on completion Until completion you have 3 oot and most valuers will discount the Grv by 25 to 30 % You are building to end product, so val should be fine...

TLAs OOT = IOL On Title = In one Line helps to have teen kids ta rolf

which wont ( shouldnt) be an issue here since the intent was to always to stay on OOT ta rolf

Me, id probably go NabBroker still. there are others that would entertain same ta rolf

for clarity others such as ANZ will lend to 90 % BUT not for triplex build ta rolf

triplex construct depends if the xpat is paid in AUD and if the loan amount is under a mill Nab broker may be a fit ta rolf