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1<main><div class="pb-12 lg:mb-10 lg:mt-8 page-content"><div class="container mx-auto"><div class="mb-8 pb-8 pt-5"><h1 class="text-h1 accent-bar">News & Insights</h1></div></div><div class="bg-ln500 z-10 sticky top-0"><div class="container mx-auto py-10 lg:py-4"><div class="flex flex-col sm:flex-row justify-between sm:items-center"><div class="flex gap-2 gap-y-4 flex-wrap"><p class="bg-white text-ln500 rounded-full px-4 py-2 cursor-pointer">All articles</p><p class="text-ln200 border-1 border-ln200 capitalize rounded-full px-4 py-2 cursor-pointer">news</p><p class="text-ln200 border-1 border-ln200 capitalize rounded-full px-4 py-2 cursor-pointer">insight</p></div><div class="hidden mt-4 sm:mt-0 sm:block"><p class="font-semibold text-ln300 text-sm">56 Articles</p></div></div></div></div><section><div class="bg-lb100"><div class="container mx-auto py-20 lg:py-16"><p class="text-ln700 font-bold text-2xl my-0">Featured</p><div class="grid sm:grid-cols-2 lg:grid-cols-3 gap-4 lg:gap-6 pt-4"><a class="flex flex-col gap-4" href="/news-insights/articles/how-later-in-strata-could-cost-you-more-than-you-bargained-for"><div class="rounded-lg w-full overflow-hidden"><div class="w-full relative overflow-hidden" style="aspect-ratio:16 / 9;background-image:url(data:image/jpeg;base64,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
1/xAAVEQEBAAAAAAAAAAAAAAAAAAABIP/aAAgBAwEBPxBhj//EABYRAQEBAAAAAAAAAAAAAAAAAAEAIP/aAAgBAgEBPxAjf//EABcQAQEBAQAAAAAAAAAAAAAAAAEAEBH/2gAIAQEAAT8Q0Ma7nBjXcxrWufWVlZWVlbrf/9k=);background-size:cover;background-position:center"><img alt="" fetchPriority="auto" loading="lazy" width="976" height="549" decoding="async" data-nimg="1" class="block absolute inset-0 h-full w-full object-cover transition-opacity duration-500 opacity-0" style="color:transparent" sizes="(max-width: 640px) 100vw, (max-width: 640px) 50vw, 460px" srcSet="https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/384x216/smart/filters:quality(60):format(webp) 384w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/640x360/smart/filters:quality(60):format(webp) 640w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/750x422/smart/filters:quality(60):format(webp) 750w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/828x466/smart/filters:quality(60):format(webp) 828w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/1080x608/smart/filters:quality(60):format(webp) 1080w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/1200x675/smart/filters:quality(60):format(webp) 1200w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/1400x788/smart/filters:quality(60):format(webp) 1400w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/1920x1080/smart/filters:quality(60):format(webp) 1920w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/2000x1125/smart/filters:quality(60):format(webp) 2048w, https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/2000x1125/smart/filters:quality(60):format(webp) 2864w" src="https://a-ap.storyblok.com/f/3000737/2000x1125/3f6b3aad21/how-later-in-strata-could-cost-you-more-than-you-bargained-for.jpg/m/2000x1125/smart/filters:quality(60):format(webp)"/></div></div><div class="flex gap-2"><div class="relative max-w-fit min-w-min inline-flex items-center justify-between box-border whitespace-nowrap px-1 h-7 rounded-large bg-cln300 font-semibold text-cln1000 text-xs"><span class="flex-1 text-inherit font-normal px-2">NEWS</span></div></div><p class="text-2xl text-ln700 font-semibold">How 'later' in strata could cost you more than you bargained for?</p><p class="text-ln700 font-semibold w-fit border-b-1 border-ln700 cursor-pointer"><span class="mr-2 inline-block">Read more</span><img alt="arrow-right" loading="lazy" width="10" height="10" decoding="async" data-nimg="1" class="inline-block" style="color:transparent" src="/icons/arrow_forward.svg"/></p></a><a class="flex flex-col gap-4" href="/news-insights/articles/what-does-it-really-cost-your-strata-to-delay-necessary-repairs"><div class="rounded-lg w-full overflow-hidden"><div class="w-full relative overflow-hidden" style="aspect-ratio:16 / 9;background-image:url(data:image/jpeg;base64,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);background-size:cover;background-position:center"><img alt="" fetchPriority="auto" loading="lazy" width="976" height="549" decoding="async" data-nimg="1" class="block absolute inset-0 h-full w-full object-cover transition-opacity duration-500 opacity-0" style="color:transparent" sizes="(max-width: 640px) 100v
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alt="" fetchPriority="auto" loading="lazy" width="976" height="549" decoding="async" data-nimg="1" class="block absolute inset-0 h-full w-full object-cover transition-opacity duration-500 opacity-0" style="color:transparent" sizes="(max-width: 640px) 100vw, (max-width: 640px) 50vw, 460px" srcSet="https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg/m/384x216/smart/filters:quality(60):format(webp) 384w, https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg/m/640x360/smart/filters:quality(60):format(webp) 640w, https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg/m/750x422/smart/filters:quality(60):format(webp) 750w, https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg/m/828x466/smart/filters:quality(60):format(webp) 828w, https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg/m/1080x608/smart/filters:quality(60):format(webp) 1080w, 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1<script>self.__next_f.push([1,"20:[\"$\",\"div\",null,{\"className\":\"pb-12 lg:mb-10 lg:mt-8 page-content\",\"children\":[\"$\",\"$L26\",null,{\"category\":\"$5:4:props:children:0:1:props:story:content:categories\",\"articles\":[{\"name\":\" Why âlaterâ is the most expensive word in strata\",\"created_at\":\"2026-07-07T23:40:27.556Z\",\"published_at\":\"2026-07-15T00:40:23.838Z\",\"updated_at\":\"2026-07-15T00:40:23.848Z\",\"id\":195698800954542,\"uuid\":\"6f63ad16-be3f-4946-858e-f0f8fda0f89e\",\"content\":{\"seo\":{\"_uid\":\"bf7d7ec9-bac4-4d8c-bbe1-1685e14805d4\",\"title\":\" Why âlaterâ is the most expensive word in strata\",\"plugin\":\"meta-fields\",\"description\":\"In this webinar, CEO \u0026 Founder Paul Morton and Mitchell Lipscombe from BAC Insurance Brokers put the cost of delay under the microscopeâ¯and give owners, committees, and strata managers the tools to start acting before \\\"later\\\" becomes a crisis.\"},\"_uid\":\"7d32873a-70b4-4768-b3d3-89756338607c\",\"title\":\" Why âlaterâ is the most expensive word in strata\",\"author\":[],\"content\":[{\"_uid\":\"2680d995-8dfb-4409-adf8-907d841b5e19\",\"html\":\"\u003cdiv style=\\\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\\npadding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\\nborder-radius: 8px; will-change: transform;\\\"\u003e\\n\u003ciframe loading=\\\"lazy\\\" style=\\\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\\\"\\nsrc=\\\"https://www.youtube.com/embed/lGoKTFlNGwE?si=yfXVBEBDvEWBEbmH\\\" allowfullscreen=\\\"allowfullscreen\\\" allow=\\\"fullscreen\\\"\u003e\\n\u003c/iframe\u003e\\n\u003c/div\u003e\",\"component\":\"embed_html\"},{\"_uid\":\"ea083400-67e2-49d3-bfc9-95ad18e769ae\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"heading\",\"attrs\":{\"level\":5,\"textAlign\":null},\"content\":[{\"text\":\"Small problems donât stay small forever. CEO \u0026 Founder Paul Morton and Mitchell Lipscombe from BAC Insurance Brokers put the cost of delay under the microscopeâ¯and give owners, committees, and strata managers the tools to start acting before \\\"later\\\" becomes a crisis.\",\"type\":\"text\"}]},{\"type\":\"horizontal_rule\"},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Major capital works test the decision-making abilities of owners corporations and their strata committees like few other agenda items. Agreement on a way forward, and particularly how to pay for it, can be elusive. The easiest option to turn to is to do nothing, kick the can down the road and hope that a consensus will somehow emerge over time.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"It may be the easiest option, but also the most expensive, as Lannockâs Paul Morton and\",\"type\":\"text\"},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"Gemma Davey, joined by Mitch Lipscombe from BAC Insurance Brokers, spelt out in a recent webinar for 400 owners and service providers.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The evidence presented was compelling. Inflation erodes all budgets over time, but its corrosive impact has been supercharged with construction costs. The benchmark Consumer Price Index has risen 31 per cent over the last 10 years. But the more directly relevant Labour and Materials Index rose 31 per cent in just four years from 2020.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Delay also invites scope creep. Buildings deteriorate over time, and the impact spreads from the failure of key elements such as waterproofing. Both the scale and cost of work compound rapidly.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Examples given include:\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In Campbell Street, Parramatta, a rectification first identified in 2016 at a cost of $1 million. Owners decided not to do the work. Seven years later, in October 2023, they resolved to borrow $5.5 million after the insurer refused to renew cover if the work did not proceed.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#323130\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In Abercrombie Street in Darlington, also in Sydney, owners resolved
1in 2023 to proceed with a project costed at $500,000. But it didnât go ahead because they decided to try to raise the funds with special levies. Barely 18 months later, the cost had blown out to $1.5 million.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#323130\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In Melbourneâs Flinders Street, owners took out a loan for work estimated at $250,000 in 2022. Two years later, the cost reached $1 million due addition work and defects.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#323130\"}}]}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"There is no one reason why inflation in strata works far outpaced costs in the wider economy.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#323130\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"More stringent regulation dealing with major safety and quality issues has added to the upfront costs of many projects. But it has also reduced the risk that the work will need to be redone down the track, as well as the risk of more catastrophic outcomes. Examples include combustible cladding rectification, waterproofing remediation, fire safety upgrades, electrical compliance, asbestos handling and EV charging infrastructure.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#323130\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Then there is the unavoidable reality of competition for trades pushing up their rates. Huge infrastru
1cture projects with vast budgets, such as Sydney Metro, are a lot less price conscious than your average owners corporation.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Things can be more complex in strata. People want to stay in their homes while work is underway. Most other major projects are on vacant sites. That adds more cost.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"So how do committees overcome owner resistance? According to Paul Morton, a good start is the right language. Substitute words like cost and expense with investment and return. Invest this much now or invest more later. Which offers the best return?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"No owners corporation sets out to triple the cost of its own repairs. It happens one deferred motion at a time. The good news is the fix is equally simple: make the decision while the number is still small.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Donât delay, start your works today with fast, flexible and fuss-free funding: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"https://lannockstratafinance.com/start\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/start\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}}]}]}]},\"component\":\"article_text\"}],\"category\":[\"news\",\"insight\"],\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":195698977367060,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/1920x1080/a44263345a/why-later-is-the-most-expensive-word-in-strata.png\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$27\"},\"hero_image\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"main_author\":\"\",\"postcontent\":[],\"published_at\":\"2026-07-01 00:00\",\"author_override\":\"\",\"hide_hero_image\":true},\"slug\":\"why-later-is-the-most-expensive-word-in-strata\",\"full_slug\":\"au/news-insights/articles/why-later-is-the-most-expensive-word-in-strata\",\"sort_by_date\":null,\"position\":-160,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"4b01cb64-acc2-45eb-8cb5-a8b9914dffd2\",\"first_published_at\":\"2026-07-08T00:49:28.964Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Six Questions Every Strata Committee Should Ask Before Signing a Loan Agreement\",\"created_at\":\"2026-06-18T05:22:19.499Z\",\"published_at\":\"2026-08-27T01:48:14.980Z\",\"updated_at\":\"2026-08-27T01:48:15.000Z\",\"id\":188704929831342,\"uuid\":\"30cee4fe-dcb0-456f-afc0-9ef4dd075bf2\",\"content\":{\"seo\":{\"_uid\":\"bb9683f8-fb22-4bc7-a6dc-57accc702913\",\"title\":\"Six Questions Every Strata Committee Should Ask Before Signing a Loan Agreement\",\"plugin\":\"meta-fields\",\"description\":\"Strata committee members have a duty to understand what they're approving. Here are the questions to ask before a hybrid loan goes to a general meeting.\"},\"_uid\":\"61be450d-963f-48cb-b321-1aa23ad7e7eb\",\"title\":\"Six Questions Every Strata Committee Should Ask Before Signing a Loan Agreement\",\"author\":[\"abb9f9ad-7f62-4cb0-8fa6-fe7f945814a4\",\"ec3f8ecf-64f0-4260-8fbf-3e107b37cf07\"],\"content\":[{\"_uid\":\"98808286-ee3e-4f27-8284-068325fc4888\",\"content\":{\"type\":\"doc\",\"attrs\":{\"backgroundColor\":null},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata finance has been and should be a very straightforward process, with well-trodden decision criteria and clear loan documentation and processes.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Now committees are faced with complexity in dealing with a subset of owners who want to pursue a different loan structure â usually called a hybrid strata loan.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Hybrid strata loans were the subject of a recent in-depth legal analysis by leading strata lawyers Bugden Allen Group Legal, who found these products to be incompatible with strata legislation in New South Wales and Victoria.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This article takes that analysis and considers its implications for strata committees, particularly regarding the questions they should be asking before putt
1ing a hybrid strata loan agreement for decision by the corporation, and the duty of committee members to act in the interests of the owners corporation â which extends to understanding what they are approving.\",\"type\":\"text\"}]},{\"type\":\"horizontal_rule\"},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"Six questions committees need to answer.\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Â \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Question 1: Is this loan structure compliant with strata legislation in your state?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This is the foundational question. It is the one most committees do not ask explicitly, but they must do so.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners corporations in Australia are âcreatures of statuteâ â they are created and governed by specific state legislation: the \",\"type\":\"text\"},{\"text\":\"Strata Schemes Management Act 2015\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" in NSW, the \",\"type\":\"text\"},{\"text\":\"Owners Corporations Act 2006\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" in Victoria, the \",\"type\":\"text\"},{\"text\":\"Body Corporate and Community Management Act 1997\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" in Queensland and their equivalents in other states. These Acts prescribe the powers that an owners corporation has, powers that are limited to those expressly set out. You canât just âmake upâ things you want an owners corporation to do â if the legislation doesn't say the corporation can do something, then it canât.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A recent legal analysis by leading strata lawyers Bugden Allen Group Legal found that the levy credit mechanism used in hybrid strata loan products is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\", that is, â\",\"type\":\"text\"},{\"text\":\"beyond the powers\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"â that legislation grants to owners corporations. A general meeting resolution cannot authorise something the legislation does not permit or is silent on.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask your legal adviser directly:\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}},{\"type\":\"bold\"}]},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Is this loan structure compliant with strata legislation in your state? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Are all elements of the structure âwithin the powersâ of an owners corporation? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Can my owners corporation authorise something that the legislation does not explicitly permit? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Make sure it addresses the issues raised by Bugden Allen Group Legal. If it does not, that is an answer in
1itself.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Question 2: Will all lot owners retain their full voting rights throughout the loan term?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In both NSW and Victoria, lot owners who fail to pay their levies become âunfinancialâ, a status that removes their right to vote at general meetings for the duration of the arrears.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Under a hybrid strata loan, Lending Owners do not pay their levies directly. Rather than pay a special levy, they lend their share of the corporationâs requirements to the owners corporation before works commence. These hybrid loan contracts purport to allow a mechanism whereby Lending Owners receive a \\\"credit\\\" from the owners corporation that offsets their levy obligation against what the owners corporation owes them in repayments. The Bugden Allen analysis concludes that this credit mechanism is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" and therefore legally void. The levy credit being legally void means that the levy remains unpaid. Which means the Lending Owner is in arrears. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The consequence is significant: Lot owners who have made this unsecured project finance loan to the owners corporation at law lose their right to participate in the governance of that scheme for the life of the loan.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Consider that for a moment. The lot owners who choose to lend their own hard-earned money to fund their building's capital works may be classified as non-paying owners. They attend their AGM, take a seat, and are told they have lost their right to vote on the future of their asset.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Any loan product that affects the voting rights of lot owners creates a governance problem that the committee will be responsible for managing. Itâs important to understand this before these loan structures are proposed.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"But there is more. Because the credit mechanism is a fundamental term of these contracts, for them to be void would lead to what is called âfrustration of the contractâ â leaving the whole arrangement without any contractual foundation. What happens then to money already lent? To repayments? To the money already used by the owners corporation?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Your legal advice should cover these issues.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Question 3: Can your treasurer/auditor actually sign off the accounts?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata legislation in both NSW and Victoria requires owners corporations to keep accurate financial records, reconcile them against bank statements each year and produce accounts that give a âtrue and fair viewâ of the owners corporation's financial position. This is not optional. It is a legal obligation of the owners corporation. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Under a hybrid strata loan, when a levy credit is applied, no money changes hands so nothing appears on the owners corporation's bank statement. There is no transaction to record. An auditor presented with accounts containing notional credits that cannot be verified against bank records faces an impossible task. In Victoria, the legislation requires that the bank accounts show a 'true and fair view' of the owners corporation's financial position, something that cannot be achieved when the offset arrangements are absent from the banking records.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask your auditor:\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}},{\"type\":\"bold\"}]},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"How does your product allow our treasurer to complete the accounts? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"How does our auditor sign off? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If the answer is unclear, that is a significant red flag for the corporation's legal obligations.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Question 4: What happens if a Lending Owner wants to sell during the loan term?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Property sales occur frequently. People's circumstances change. An owner who entered a hybrid strata loan arrangement in good faith may need to sell their property before the loan term ends.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Under a hybrid strata loan, the Lending Owner's agreement is a contract between that individual, the owners corporation and the commercial lender. An incoming purchaser is not automatically a party to this contract and so cannot automatically step into the Lending Ownerâs position. To transfer the arrangement on sale requires a deed of assignment executed by four parties: the Lending Owner (seller), the purchaser, the owners corporation and the commercial strata lender. T\",\"type\":\"text\"},{\"text\":\"he owners corporation might also need to convene a general meeting to approve the assignment.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The coordination of four parties and a general meeting inside a standard property settlement window is a significant practical burden. It may affect the sale timeline, the sale price, or whether a buyer proceeds at all. A purchaser's bank or conveyancer may treat the internal loan as a complication that affects their assessment of the property.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask your lender and legal adviser:\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}},{\"type\":\"bold\"}]},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"What is the documented process for assignment on sale? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}
1,\"content\":[{\"text\":\"Has it been done? \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"And most importantly, get your own personal independent advice! Have your own conveyancer review the assignment requirements before the committee votes.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Question 5: What are the tax implications for owners in the scheme?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"ATO product ruling PR 2024/2\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.ato.gov.au/law/view/document?docid=PR2024/2\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}}]},{\"text\":\" determines that interest received by a Lending Owner (even when received as a levy credit rather than the transfer of funds) is assessable income in the year the credit is applied. This means Lending Owners must declare the interest component of every levy credit as income in their annual tax returns, even though no money has entered their bank account.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"For investors who entered the arrangement expecting higher returns, the after-tax position may be materially less attractive and more complicated.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The tax impact extends beyond the Lending Owners. The additional administration, multiple lenders, multiple accounts and the ATO Annual Investment Income Return that must be rendered by the owners corporations drive up strata management fees for every owner in the scheme. Ordinary owners who did not lend personal funds to the owners corporation may still face higher levies and administration costs as a result of the structure.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask your lender\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}},{\"type\":\"bold\"}]},{\"text\":\" to provide a worked example of the after-tax position for a Lending Owner at your strata scheme's levy level. Then have an independent accountant review it. \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Question 6: As a Lending Owner, have you actually reduced your financial exposure?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In a hybrid strata loan, Lending Owners believe, or are led to believe, that making a loan directly to the owners corporation removes them from the external borrowing arrangement. It does not.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The hybrid strata loan structure creates two tiers of owners but it does not create two tiers of liability. Arrears, defaults, budget blowouts, cost overruns, shortfalls, fees and penalties â a Lending Ownerâs liability for the full obligations of the owners corporation remains intact.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"What has changed is your exposure. Your loan to the owners corporation is unsecured project finance. You now carry a lender's risk. If the owners corporation cannot repay you, you are an unsecured creditor of a corporation of which you are also a member and for whose debts you have unlimited liability.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"As a Lending Owner, you have not reduced your exposure. You have added to it.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask your legal adviser\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}},{\"type\":\"bold\"}]},{\"text\":\" to provide a written summary of your joint and several liability as a Lending Owner under this structure.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#0B477C\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"A note on due diligence\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Every one of these questions has two simple tests: if the lender cannot answer it clearly, in writing, with supporting documentation to a standard that results in no confusion on the part of any owner, the committee should seriously question if it is in a position to table this loan structure for a vote.\",\"type\":\"text\"},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}
1,{\"text\":\"And if your legal adviser cannot address these questions to the level of detail and certainty required, the committee should also question whether it is wise to put this loan structure to a general meeting.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The Bugden Allen Group Legal analysis does not just conclude that hybrid strata loan products are complex. It concludes that in their current form, hybrid strata loans are incompatible with the legislation that governs every owners corporation in NSW and Victoria. This is the first legal review we have seen which analyses these agreements in depth \",\"type\":\"text\"},{\"text\":\"and \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"considers the critical mechanism that purports to make them work â the levy credit. It is not acceptable to state that an owners corporation can borrow from an owner (of course it can) and therefore state that these loans are OK â the devil is in the detail, and here that detail is a cane toad.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"At Lannock, we made a deliberate decision \",\"type\":\"text\"},{\"text\":\"not to offer hybrid strata loan products.\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://staging.lannockstratafinance.com/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\" Not because flexibility is a bad idea, but because structures that cannot meet the legal tests that apply to every owners corporation are not loan structures we are willing to put our name to.  \",\"type\":\"text\"}]},{\"type\":\"horizontal_rule\"},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}}]},{\"text\":\" continues to lead the way in strata for more than 20 years, helping strata communities find finance that works simply, transparently and fairly for everyone in the scheme. If your committee is evaluating loan options or trying to make sense of an arrangement it is already in, we are happy to walk you through the corporationâs options.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}}]},\"component\":\"article_text\"}],\"category\":[\"news\",\"insight\"],\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":190469416291123,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$28\"},\"hero_image\":{\"id\":190469416291123,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2119x1415/ecbba630c4/istock-845494632.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$29\"},\"main_author\":\"\",\"postcontent\":[{\"_uid\":\"d1b153b6-1b1e-489b-b8ed-05ec97049cf6\",\"items\":[\"6b22f85d-f47e-4448-9889-25e419bf1cfa\",\"7ca41b66-1ce5-4310-bbcf-7d85f6d0edeb\",\"0f46798d-dd52-4478-887c-9125aaa37903\",\"2a9c63fa-b35f-455e-b2fa-fe5390e95957\",\"aaf63e57-c912-4848-b3a7-b5a5afdab385\",\"ebfcbdcd-f322-4538-9e81-cd35343bbcdb\",\"6cf8388a-ea23-48ab-be4c-70a5395607c6\",\"8f2ef205-4cb6-4289-8bd1-4e2e9805fc9c\",\"b720f5e1-0f5c-49c0-abb1-bfd92fc08a06\"],\"title\":\"Frequently asked questions about hybrid strata loans\",\"button\":[{\"_uid\":\"96f59d2b-0d3e-4bce-a09d-a7d4ef80aa41\",\"icon\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"link\":{\"id\":\"7cff490a-03ff-4794-b67e-253272574fbb\",\"url\":\"\",\"linktype\":\"story\",\"fieldtype\":\"multilink\",\"cached_url\":\"au/faqs\",\"story\":{\"name\":\"FAQs\",\"id\":67384,\"uuid\":\"7cff490a-03ff-4794-b67e-253272574fbb\",\"slug\":\"faqs\",\"url\":\"au/faqs\",\"full_slug\":\"au/faqs\",\"_stopResolving\":true}},\"label\":\"View all FAQs\",\"variant\":\"primary\",\"is_large\":false,\"component\":\"button\"}],\"subtitle\":\"\",\"component\":\"faq_section\",\"items_section\":[{\"_uid\":\"27a58a01-b67e-4c6a-ac15-1d2d13285eff\",\"answer\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan is a strata finance arrangement in which an owners corporation borrows capital from both a commercial lender and from individual lot owners within the scheme (called Lending Owners or Participating Lot Owners). Lending Owners fund their proportionate share directly to the OC under separate loan agreements, with repayments offset against their levy obligations via a 'levy credit' mechanism.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]}]},\"question\":\"What is a hybrid strata loan?\",\"audiences\":[],\"component\":\"faq_section_item\",\"
1is_visible\":true}]},{\"gap\":\"\",\"_uid\":\"4c9a70dd-7751-4816-98b8-392dfad169d2\",\"wrap\":\"\",\"width\":\"full\",\"lg_gap\":\"\",\"margin\":\"\",\"md_gap\":\"\",\"display\":\"\",\"padding\":\"\",\"block_id\":\"\",\"children\":[{\"_uid\":\"03cb1b49-814e-4091-864a-46f3654dbf62\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"About Lannock Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock Strata Finance is Australia's leading specialist strata lender, with more than 20 years of experience providing finance to thousands of owners corporations and strata communities. Lannock lends exclusively in the strata sector; it is not a bank, not a generalist commercial lender, and not a new market entrant.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock does not offer hybrid strata loan products. This page is not marketing material for a competing product â it is an educational resource for strata communities, committees, managers and advisers navigating an increasingly complex strata finance market.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"For independent information about conventional strata loans, visit \",\"type\":\"text\"},{\"text\":\"lannockstratafinance.com/our-loans/strata-loan\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/our-loans/strata-loan\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\", or call 1300 851 585.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4,\"textAlign\":null},\"content\":[{\"text\":\"Sources and references\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Bugden Allen â 'Hybrid Loan Agreements in Strata Schemes: Why the Current Structure Does Not Work', Gerard Doyle, Partner (May 2026)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata Schemes Management Act 2015 (NSW) â ss.100 (borrowing power), 270 (void contract terms)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners Corporations Act 2006 (VIC) â ss.25 (borrowing power), 202 (void contract terms)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"ATO Product Ruling PR2024/2 â treatment of interest credits as assessable income\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This page is for educational purposes only and does not constitute legal, financial or tax advice. We recommend seeking independent advice from qualified strata legal and financial professionals.\",\"type\":\"text\"}]}]},\"display\":\"\",\"block_id\":\"\",\"component\":\"text_block\",\"font_size\":\"\",\"max_width\":\"\",\"lg_display\":\"\",\"md_display\":\"\",\"text_align\":\"\",\"text_color\":{},\"custom_class\":\"\",\"lg_font_size\":\"\",\"lg_max_width\":\"\",\"md_font_size\":\"\",\"md_max_width\":\"\",\"lg_text_align\":\"\",\"md_text_align\":\"\",\"background_color\":{}}],\"lg_width\":\"\",\"md_width\":\"\",\"overflow\":\"\",\"component\":\"box\",\"direction\":\"column\",\"flex_grow\":\"\",\"max_width\":\"\",\"padding_x\":\"\",\"padding_y\":\"8\",\"lg_display\":\"\",\"lg_padding\":\"\",\"md_display\":\"\",\"md_padding\":\"\",\"min_height\":\"\",\"align_items\":\"\",\"flex_shrink\":\"\",\"custom_class\":\"\",\"lg_direction\":\"\",\"lg_padding_x\":\"\",\"lg_padding_y\":\"\",\"md_direction\":\"\",\"md_padding_x\":\"\",\"md_padding_y\":\"\",\"border_radius\":\"\",\"use_container\":true,\"lg_align_items\":\"\",\"md_align_items\":\"\",\"justify_content\":\"\",\"background_color\":{\"value\":\"#F3F8FE\",\"plugin\":\"storyblok-palette\"},\"lg_justify_content\":\"\",\"md_justify_content\":\"\"}],\"published_at\":\"2026-06-26 08:30\",\"author_override\":\"\",\"hide_hero_image\":false},\"slug\":\"six-questions-every-strata-committee-should-ask-before-signing-a-loan-agreement\",\"full_slug\":\"au/news-insights/articles/six-questions-every-strata-committee-should-ask-before-signing-a-loan-agreement\",\"sort_by_date\":null,\"position\":-150,\"tag_list\":[],\"is_startpage\"
1:false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"8d5e69e9-9221-4f6c-99f7-a022fd74e983\",\"first_published_at\":\"2026-06-18T06:15:05.348Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"The Legal Reality of Hybrid Strata Loans and Why Lannock Steers Clear of This Product\",\"created_at\":\"2026-06-18T04:00:24.665Z\",\"published_at\":\"2026-08-27T01:56:48.495Z\",\"updated_at\":\"2026-08-27T01:56:48.515Z\",\"id\":188684798666736,\"uuid\":\"66a5bc20-43e0-478d-950f-27cf1c2b3979\",\"content\":{\"seo\":{\"_uid\":\"0a6f5011-5be2-47d1-b86c-12c549c9fca7\",\"title\":\"The Legal Reality of Hybrid Strata Loans and Why Lannock Steers Clear of This Product\",\"plugin\":\"meta-fields\",\"description\":\"Hybrid strata loans have been found non-compliant in NSW and VIC. Lannock chose not to offer them â here's why, and what the Bugden Allen analysis confirms.\"},\"_uid\":\"af751024-47ee-41c4-8386-87682029f13b\",\"title\":\"The Legal Reality of Hybrid Strata Loans and Why Lannock Steers Clear of This Product\",\"author\":[\"6c911f96-90ff-4822-be4f-911f14316859\",\"230351dd-63dd-4350-8bb5-f1471568e110\"],\"content\":[{\"_uid\":\"716d5187-90dd-4fba-968d-f18f91eae7a0\",\"content\":{\"type\":\"doc\",\"attrs\":{\"backgroundColor\":null},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Recently, leading strata lawyers Bugden Allen Group Legal published a detailed analysis of the so-called hybrid strata loan products. Their conclusion was unambiguous: These hybrid structures do not comply with strata legislation in either New South Wales or Victoria. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"At Lannock, weâve seen these types of loan structures enter the market, disappear and reappear over time with only minor changes. We evaluated hybrid loan structures carefully, chose not to offer them and stand by that decision. This article explains why and what the Bugden Allen analysis has now confirmed for the wider strata community.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"What is a hybrid strata loan?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan is a financing structure where an owners corporation borrows simultaneously from two sources;\",\"type\":\"text\"}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"an external commercial lender, and\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"individual lot owners (\",\"type\":\"text\"},{\"text\":\"Lending Owners\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\") who choose to make an unsecured loan through a Trust to the owners corporation (the corporation of which they are also a member).\",\"type\":\"text\"}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The Liability Risk:\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" Lending Owners often mistakenly believe that their unsecured loan to the owners corporation exempts them from the obligations of the owners corporation's external loan arrangement. \",\"type\":\"text\"},{\"text\":\"It does not\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\". All lot owners have \",\"type\":\"text\"},{\"text\":\"unlimited liability\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" for their owners corporationâs obligations, which include all borrowings, both the external commercial debt and any amounts owed to Lending Owners.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The hybrid strata loan structure creates a financial paradox where the Lending Owner is an unsecured creditor to the owners corporation, yet also liable for its debts:\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If the owners corporation defaults on its external loan, then the Lending Owner is liable (via levies) to contribute to repaying that external debt, even though the owners corporation already owes them money from their initial unsecured loan.\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan creates two tiers of members (owners) within the owners corporation. However, it does not create two tiers of liability.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Understanding hybrid strata loans: The gap between market appeal and structural reality.\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A strata lender is responsible for ensuring its loan products comply with regulatory requirements\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\" and \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}},{\"type\":\"italic\"}]},{\"text\":\"strata legislation.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The first of these two points is our problem â if a strata lender chooses to ignore their accountability under ASICâs Design and Distribution Obligations or fails to register their trust as a Managed Investment Scheme under the Corporations Act, then there are major problems â but those failures will only affect the owner corporation when they bring about the early demise of the funder.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Compliance with strata legislation does, however, become the owner corporationâs problem.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata committees face genuine tension when owners are divided between borrowing and levying. A product that appears to resolve both preferences within a single structure has obvious, if superficial, appeal. However, âappealâ is a very different matter to âmeritâ.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"That appeal is real. The lending owner option itself may be the factor that makes a borrowing motion politically viable at a general meeting - wealthier owners who would prefer a special levy are brought onside by the prospect of becoming lenders and receiving payments from the \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"owners corporation\",\"type\":\"text\"},{\"text\":\". The owner-lending mechanism may be the structural concession that allows the motion to pass.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ironically, it is precisely that marketing appeal which marks the first point of product failure in the hybrid strata loan. The question of compliance with ASIC's Design and Distribution Obligations arises directly from it â particularly where choice architecture is concerned. In the strata context, where decision fatigue and the associated preference for apparent ease of adoption must be considered, those design obligations carry real weight (see \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"RG 274\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-274-product-design-and-distribution-obligations/\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"). The âappealâ of a hybrid strata loan lacks âmeritâ.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Adopting a product because it serves the political purpose of breaking deadlocks amongst owners is fraught.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Glossy marketing appeal is a very different thing to a well-structured loan product that is compatible with strata legislation. When we examined the current structure of hybrid strata loans and their repayment mechanism, we had concerns that went well beyond the sales pitch and product-market-fit. In their current form, these loans are cane toads: released as a solution into an ecosystem without a proper understanding of the environment and toxic to everything they touch.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"What did Lannock see in the hybrid strata loan structure that was concerning?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners Corporations are statutory bodies â entities created by legislation.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Understanding this is essential to understanding strata finance â because the foundational doctrine of statutory bodies is that of \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" â namely that any act by the statutory body which exceeds the powers conferred on it by its enabling legislation is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (literally âbeyond the powersâ). And any act which is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]}
1,{\"text\":\" is invalid.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This means that when considering what owners corporations can do, the approach is very different to considering what ordinary companies can do, which is mostly anything not prohibited by law. An owners corporation starts from the opposite position: It can only do what it is authorised to do by law (its enabling legislation). Even judicial review is guided by the logic of the \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" doctrine.\",\"type\":\"text\"},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In this light, the most obvious problem is the levy credit mechanism. Under strata legislation, levies must be raised across all owners according to their lot entitlement.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The hybrid arrangement purports to enable Lending Owners (those who might have preferred a special levy but in this structure have made a loan to the owners corporation) to not make levy payments in real monetary transfers between bank accounts to service the owners corporationâs borrowings. Instead, the owners corporation grants each Lending Owner a âcreditâ equal to the levy amount which is offset against what the owners corporation owes them in loan repayments.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"On paper, hybrid strata loans might appear âcleverâ. In practice, they contain insoluble structural problems that someday will come home to roost.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Specifically, we identified the following concerns when we modelled these structures:\",\"type\":\"text\"}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The levy credit is not allowed under strata legislation. \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"Strata legislation is prescriptive about how funds are raised and disbursed. Neither the NSW nor Victorian Acts authorise the offset mechanism. An owners corporation that cannot point to a statutory power for what it is doing is in a difficult position. Put simply, levy credits are beyond the powers of any owners corporation â this is how statutory interpretation works and there is no way around it.\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The tax implications are adverse\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\".\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}},{\"type\":\"bold\"}]},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"Lending Owners must pay tax on the interest they receive (\",\"type\":\"text\"},{\"text\":\"ATO product ruling PR 2024/2\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.ato.gov.au/law/view/document?docid=PR2024/2\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}}]},{\"text\":\").\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Sale complications may be significant. \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"Assigning the Lending Owner's loan on the sale of their lot requires four parties â the seller, the purchaser, the strata lender and the owners corporation â to execute a deed and the owners corporation to convene a general meeting. In a standard property settlement window, this is very difficult to manage.\",\"type\":\"text\"}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Hybrid strata loans do not meet the standards we set for lending in strata, which as a minimum include legislative and regulatory compliance. We made a deliberate decision not to offer them.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"What has the Bugden Allen analysis confirmed?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The Bugden Allen analysis\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.linkedin.com/pulse/hybrid-loan-agreements-strata-schemes-why-current-structure-9sddc/\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}}]},{\"text\":\", published by partner and Fellow of the Australasian College of Strata Lawyers, Gerard Doyle, on 19 May 2026, confirmed our legal concerns with deep analysis of both the legislative framework that creates owners corporations and the powers they are granted.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The analysis observes that Section 100 of the \",\"type\":\"text\"},{\"text\":\"NSW Strata Schemes Management Act\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" \",\"type\":\"text\"},{\"text\":\"2015\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" and Section 25 of the \",\"type\":\"text\"},{\"text\":\"Victorian Owners Corporations Act\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" 2006 both grant owners corporations the power to borrow money, but finds that neither Act grants any power to credit a levy obligation against a debt owed by the owners corporation. This means the levy credit is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (Latin for 'beyond the powers', meaning the owners corporation has no legal authority to do it)\",\"type\":\"text\"},{\"text\":\".\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" This means that part of the loan contract will be void, with serious consequences for the rest of the loan agreement (which may\",\"type\":\"text\"},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"itself be held to be void \",\"type\":\"text\"},{\"text\":\"ab initio\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (from inception) due to this key term being invalid). It is not a minor drafting issue. This cannot be resolved by contract or by general meeting resolution, \",\"type\":\"text\"},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"it is the way in which strata legislation works.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The consequences Doyle identifies are severe:\",\"type\":\"text\"}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lending Owners become unfinancial. \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"Because the credit has no legal effect, the levy remains unpaid. In both states, unfinancial owners lose their right to vote at general meetings. The owners who lent to the owners corporation lose their governance rights.\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners corporations are in default of their agreements with the Lending Owners. \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"As with the Lending Owners, the credit means that the owners corporation has not made the required repayments to the Lending Owners and so will be in default of the loan contract.\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Auditors cannot sign off. \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"An owners corporation is required to reconcile every transaction against its bank records. With a levy credit, nothing appears on the bank statement, there is no bank entry to reconcile. An auditor cannot certify bank accounts\",\"type\":\"text\"},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"which do not reflect transaction flows.\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The loan agreements may also be void for purporting to exclude legislative provisions. \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"Both the NSW and Victorian Acts void contractual terms that purport to exclude or restrict the operation of the legislation. If the levy credit is struck out, other key provisions of the loan agreements may fall with it, potentially leaving lenders with no enforceable repayment obligation.\",\"type\":\"text\"}]}]}]},{\"type\":\"blockquote\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The irony is stark: the lot owners who agreed to fund the scheme's capital works â and who have in fact advanced their own money to the owners corporation â find themselves classified as non-paying owners, unable to participate in the democratic governance of their own scheme.\",\"type\":\"text\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Gerard Doyle, Partner, Bugden Allen (May 2026) \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"italic\"}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"What is the answer?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If these so-called hybrid strata loans are the wrong answer, what is the right answer?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The answer lies in simplicity. If a special levy is the best funding option for a particular owners corporation in a particular situation, then thatâs what the owners corporation should do. Any owners who have problems in funding the levy should seek other forms of finance, such as refinancing their mortgage. If a proper strata loan is the right funding solution, then those few owners who want to have a special levy can easily find better investments than lending to the corporation of which they are a member â a bank term deposit (guaranteed by the Australian government up to $250,000) is a good first port of call.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"What should strata communities already in these arrangements do?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Many owners corporations entered hybrid strata loan arrangements in good faith, based on the information and advice available at the time. The Bugden Allen analysis is likely to prompt further discussion across the strata sector, and committees should seek independent legal and financial advice that takes the Bugden Allen analysis into account to better understand how the analysis applies to their particular circumstances. The instructions given to your advisers should clearly focus on statutory interpretation.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"When it comes to strata, the gold standard for legal advice is from members of the Australasian College of Strata Lawyers. The Bugden Allen analysis is a significant piece of legal analysis that committees, advisers and owners corporations should now consider carefully when assessing how these products operate in practice. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If you are evaluating your strata community's financing options and want to understand what a straightforward and legally sound strata loan looks like, we are happy to provide an information session with no obligation. A clean strata loan, one lender, one agreement, one repayment structure, is \",\"type\":\"text\"},{\"text\":\"available now\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/our-loans/strata-loan\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]}
1,{\"text\":\", and it does not carry any of the risks described above.\",\"type\":\"text\"}]},{\"type\":\"horizontal_rule\"},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock Strata Finance \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"has been providing specialist strata loans to Australian communities for more than 20 years. We have seen products come and go. Our decision not to offer hybrid strata loans was not a competitive stance â it was a professional one. We are glad the analysis now available in the market supports that judgment.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"To learn more about Lannock's approach: \",\"type\":\"text\"},{\"text\":\"lannockstratafinance.com/lp/hybrid-strata-loan\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/lp/hybrid-strata-loan\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\" · Call \",\"type\":\"text\"},{\"text\":\"1300 851 585\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},\"component\":\"article_text\"}],\"category\":[\"news\",\"insight\"],\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":188702530430870,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2121x1414/3a212a6127/istock-2162509531.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$2a\"},\"hero_image\":{\"id\":188702530430870,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2121x1414/3a212a6127/istock-2162509531.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$2b\"},\"main_author\":\"\",\"postcontent\":[{\"_uid\":\"8b84bc6f-0c35-4592-b6ea-ef78baa96c37\",\"items\":[\"6b22f85d-f47e-4448-9889-25e419bf1cfa\",\"7ca41b66-1ce5-4310-bbcf-7d85f6d0edeb\",\"0f46798d-dd52-4478-887c-9125aaa37903\",\"2a9c63fa-b35f-455e-b2fa-fe5390e95957\",\"aaf63e57-c912-4848-b3a7-b5a5afdab385\",\"ebfcbdcd-f322-4538-9e81-cd35343bbcdb\",\"6cf8388a-ea23-48ab-be4c-70a5395607c6\",\"8f2ef205-4cb6-4289-8bd1-4e2e9805fc9c\",\"b720f5e1-0f5c-49c0-abb1-bfd92fc08a06\"],\"title\":\"Frequently asked questions about hybrid strata loans\",\"button\":[{\"_uid\":\"906b4406-ca87-473a-82ee-828421544a53\",\"icon\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"link\":{\"id\":\"7cff490a-03ff-4794-b67e-253272574fbb\",\"url\":\"\",\"linktype\":\"story\",\"fieldtype\":\"multilink\",\"cached_url\":\"au/faqs\",\"story\":{\"name\":\"FAQs\",\"id\":67384,\"uuid\":\"7cff490a-03ff-4794-b67e-253272574fbb\",\"slug\":\"faqs\",\"url\":\"au/faqs\",\"full_slug\":\"au/faqs\",\"_stopResolving\":true}},\"label\":\"View all FAQs\",\"variant\":\"primary\",\"is_large\":false,\"component\":\"button\"}],\"subtitle\":\"\",\"component\":\"faq_section\",\"items_section\":[{\"_uid\":\"ffd6b864-ab9a-4e89-a37a-3b2c8f01491e\",\"answer\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan is a strata finance arrangement in which an owners corporation borrows capital from both a commercial lender and from individual lot owners within the scheme (called Lending Owners or Participating Lot Owners). Lending Owners fund their proportionate share directly to the OC under separate loan agreements, with repayments offset against their levy obligations via a 'levy credit' mechanism.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]}]},\"question\":\"What is a hybrid strata loan?\",\"audiences\":[],\"component\":\"faq_section_item\",\"is_visible\":true}]},{\"gap\":\"\",\"_uid\":\"908483d6-3381-4edd-aaa9-1b62ec899cca\",\"wrap\":\"\",\"width\":\"full\",\"lg_gap\":\"\",\"margin\":\"\",\"md_gap\":\"\",\"display\":\"\",\"padding\":\"\",\"block_id\":\"\",\"children\":[{\"_uid\":\"be2d0124-cf42-437e-af78-546f9dc690a7\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"About Lannock Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock Strata Finance is Australia's leading specialist strata lender, with more than 20 years of experience providing finance to thousands of owners corporations and strata communities. Lannock lends exclusively in the strata sector;
1 it is not a bank, not a generalist commercial lender, and not a new market entrant.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock does not offer hybrid strata loan products. This page is not marketing material for a competing product â it is an educational resource for strata communities, committees, managers and advisers navigating an increasingly complex strata finance market.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"For independent information about conventional strata loans, visit \",\"type\":\"text\"},{\"text\":\"lannockstratafinance.com/our-loans/strata-loan\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/our-loans/strata-loan\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\", or call 1300 851 585.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4,\"textAlign\":null},\"content\":[{\"text\":\"Sources and references\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Bugden Allen â 'Hybrid Loan Agreements in Strata Schemes: Why the Current Structure Does Not Work', Gerard Doyle, Partner (May 2026)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata Schemes Management Act 2015 (NSW) â ss.100 (borrowing power), 270 (void contract terms)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners Corporations Act 2006 (VIC) â ss.25 (borrowing power), 202 (void contract terms)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"ATO Product Ruling PR2024/2 â treatment of interest credits as assessable income\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This page is for educational purposes only and does not constitute legal, financial or tax advice. We recommend seeking independent advice from qualified strata legal and financial professionals.\",\"type\":\"text\"}]}]},\"display\":\"\",\"block_id\":\"\",\"component\":\"text_block\",\"font_size\":\"\",\"max_width\":\"\",\"lg_display\":\"\",\"md_display\":\"\",\"text_align\":\"\",\"text_color\":{},\"custom_class\":\"\",\"lg_font_size\":\"\",\"lg_max_width\":\"\",\"md_font_size\":\"\",\"md_max_width\":\"\",\"lg_text_align\":\"\",\"md_text_align\":\"\",\"background_color\":{}}],\"lg_width\":\"\",\"md_width\":\"\",\"overflow\":\"\",\"component\":\"box\",\"direction\":\"column\",\"flex_grow\":\"\",\"max_width\":\"\",\"padding_x\":\"\",\"padding_y\":\"8\",\"lg_display\":\"\",\"lg_padding\":\"\",\"md_display\":\"\",\"md_padding\":\"\",\"min_height\":\"\",\"align_items\":\"\",\"flex_shrink\":\"\",\"custom_class\":\"\",\"lg_direction\":\"\",\"lg_padding_x\":\"\",\"lg_padding_y\":\"\",\"md_direction\":\"\",\"md_padding_x\":\"\",\"md_padding_y\":\"\",\"border_radius\":\"\",\"use_container\":true,\"lg_align_items\":\"\",\"md_align_items\":\"\",\"justify_content\":\"\",\"background_color\":{\"value\":\"#F3F8FE\",\"plugin\":\"storyblok-palette\"},\"lg_justify_content\":\"\",\"md_justify_content\":\"\"}],\"published_at\":\"2026-06-25 17:00\",\"author_override\":\"\",\"hide_hero_image\":true},\"slug\":\"the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"full_slug\":\"au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"sort_by_date\":null,\"position\":-140,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"d40bcfc7-5b7d-43ee-9752-89039447341e\",\"first_published_at\":\"2026-06-19T01:09:56.893Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Hybrid Strata Loans in Australia: Legal Risks, Compliance and Alternatives\",\"created_at\":\"2026-06-15T02:20:35.140Z\",\"published_at\":\"2026-07-15T23:50:52.389Z\",\"updated_at\":\"2026-07-15T23:50:52.412Z\",\"id\":187598582375559,\"uuid\":\"41c7ba27-0
1567-4342-af2f-eec06c57ee41\",\"content\":{\"seo\":{\"_uid\":\"84a309ec-16f4-4c6f-8b20-5d0448f1010f\",\"title\":\"Hybrid Strata Loans in Australia: Legal Risks, Compliance and Alternatives\",\"plugin\":\"meta-fields\",\"description\":\"Hybrid strata loans have been ruled incompatible with NSW and Victorian strata law. Lannock breaks down the levy credit flaw, tax traps and what it means for your committee.\"},\"_uid\":\"7a822265-075a-4b44-967f-0091dc4202f7\",\"title\":\"Hybrid Strata Loans in Australia: Legal Risks, Compliance and Alternatives\",\"author\":[],\"content\":[{\"gap\":\"\",\"_uid\":\"2e9b69c6-2f5e-460c-b599-5418d0a5b585\",\"wrap\":\"\",\"width\":\"full\",\"lg_gap\":\"\",\"margin\":\"\",\"md_gap\":\"\",\"display\":\"\",\"padding\":\"\",\"block_id\":\"\",\"children\":[{\"_uid\":\"b4b7966c-e4a2-4621-94bb-d5ec497257dd\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Key Takeaways:\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#24364F\"}},{\"type\":\"bold\"}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Legal Incompatibility: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"A 2026 legal analysis confirms hybrid strata loans are incompatible with the \",\"type\":\"text\"},{\"text\":\"Strata Schemes Management Act 2015 \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"(NSW) and \",\"type\":\"text\"},{\"text\":\"Owners Corporations Act 2006 \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"(VIC).\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The \\\"Levy Credit\\\" Flaw: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"The mechanism offsetting Principal and Interest payments against levies is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (beyond statutory powers), rendering the agreements potentially void \",\"type\":\"text\"},{\"text\":\"ab initio\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\".\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Loss of Voting Rights: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"Lending owners using hybrid loans have not in fact paid their levies, potentially classifying them as 'unfinancial' and stripping them of general meeting voting rights.\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Tax Implications: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"ATO Product Ruling PR 2024/2 mandates that the interest received by Lending Owners (whether or not by credit) must be declared as assessable income.\",\"type\":\"text\"}]}]}]}]},\"component\":\"richtext_section\",\"section_css\":\"\",\"wrapper_css\":\"\"}],\"lg_width\":\"\",\"md_width\":\"\",\"overflow\":\"\",\"component\":\"box\",\"direction\":\"column\",\"flex_grow\":\"\",\"max_width\":\"\",\"padding_x\":\"\",\"padding_y\":\"8\",\"lg_display\":\"\",\"lg_padding\":\"\",\"md_display\":\"\",\"md_padding\":\"\",\"min_height\":\"\",\"align_items\":\"\",\"flex_shrink\":\"\",\"custom_class\":\"mt-6\",\"lg_direction\":\"\",\"lg_padding_x\":\"\",\"lg_padding_y\":\"\",\"md_direction\":\"\",\"md_padding_x\":\"\",\"md_padding_y\":\"\",\"border_radius\":\"md\",\"use_container\":false,\"lg_align_items\":\"\",\"md_align_items\":\"\",\"justify_content\":\"\",\"background_color\":{\"value\":\"#D2E5FB\",\"plugin\":\"storyblok-palette\"},\"lg_justify_content\":\"\",\"md_justify_content\":\"\"},{\"_uid\":\"89b038a6-34d8-4157-93e5-0ec9c7b3f6d4\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"On 19 May 2026, Gerard Doyle, Partner at Bugden Allen Group Legal and Fellow of the Australasian College of Strata Lawyers, published a detailed legal analysis concluding that \",\"type\":\"text\"},{\"text\":\"hybrid strata loans\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"/au/lp/hybrid-strata-loan\",\"uuid\":\"62ed4248-fee3-4ac1-9ed7-2fbcca124df3\",\"anchor\":null,\"target\":\"_self\",\"linktype\":\"story\",\"story\":{\"name\":\"Hybrid Strata Loan\",\"id\":123472519509414,\"uuid\":\"62ed4248-fee3-4ac1-9ed7-2fbcca124df3\",\"slug\":\"hybrid-strata-loan\",\"url\":\"au/lp/hybrid-strata-loan\",\"full_slug\":\"au/lp/hybrid-strata-loan\",\"_stopResolving\":true}}}]},{\"text\":\", as currently structured, are incompatible with strata legislation in both New South Wales and Victoria. The analysis identifies specific provisions of the \",\"type\":\"text\"},{\"text\":\"Strata Schemes Management Act 2015\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}},{\"type\":\"italic\"}]},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"(NSW) and the \",\"type\":\"text\"},{\"text\":\"Owners Corporations Act 2006\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" VIC) that hybrid strata loan structures do not satisfy, and outlines the legal consequences for owners corporations, owners and lenders.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"At Lannock Strata Finance, we made the deliberate decision to not offer a hybrid strata loan product.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This page explains what hybrid strata loans are, why we concluded they do not work for strata communities and what the Bugden Allen legal analysis now confirms.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If you are a strata committee member, lot owner, strata manager or legal adviser evaluating strata finance options, this page is written for you. This is vital because the duty of committee members to act in the interests of the owners corporation (OC) extends to thoroughly understanding the legal structures of what they are approving or putting forward to owners at a general meeting. \",\"type\":\"text\"}]},{\"type\":\"horizontal_rule\"},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"What is a hybrid strata loan?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan is a financing structure where an owners corporation (OC) borrows simultaneously from an external
1commercial lender and individual lot owners (Lending Owners) via unsecured loans.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lending Owners make an unsecured loan through a Trust to the owners corporation (the corporation of which they are also a member).\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The Liability Risk: Lending Owners may mistakenly believe their unsecured loan to the owners corporation exempts them from the obligations of the owners corporation's external loan arrangement. \",\"type\":\"text\"},{\"text\":\"It does not.\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" All lot owners share unlimited \",\"type\":\"text\"},{\"text\":\"joint and several liability \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"for their owners corporationâs obligations â which include all borrowings, such as the external commercial debt.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The hybrid strata loan structure creates a financial paradox where the Lending Owner is an unsecured creditor of the owners corporation, yet is still liable for its debts:\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If the owners corporation defaults on its external loan, then, as with all owners, the Lending Owner is liable (via levies) to contribute to repaying that external debt, even though the owners corporation already owes them money from their initial unsecured loan.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}},{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan creates two tiers of members (owners) within the owners corporation. However, it does not create two tiers of liability.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"While hybrid loan products may present an initial marketing appeal by appearing to break committee or general meeting political deadlocks, their underlying mechanisms introduce \",\"type\":\"text\"},{\"text\":\"severe structural, legal and compliance risks\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"/au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"uuid\":\"66a5bc20-43e0-478d-950f-27cf1c2b3979\",\"anchor\":null,\"target\":\"_self\",\"linktype\":\"story\",\"story\":{\"name\":\"The Legal Reality of Hybrid Strata Loans and Why Lannock Steers Clear of This Product\",\"id\":188684798666736,\"uuid\":\"66a5bc20-43e0-478d-950f-27cf1c2b3979\",\"slug\":\"the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"url\":\"au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"full_slug\":\"au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"_stopResolving\":true}}},{\"type\":\"bold\"}]},{\"text\":\" to any owners corporation that adopts them.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"For more details, visit here: \",\"type\":\"text\"},{\"text\":\"https://lannockstratafinance.com/lp/hybrid-strata-loan\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"/au/lp/hybrid-strata-loan\",\"uuid\":\"62ed4248-fee3-4ac1-9ed7-2fbcca124df3\",\"anchor\":null,\"target\":\"_self\",\"linktype\":\"story\",\"story\":{\"name\":\"Hybrid Strata Loan\",\"id\":123472519509414,\"uuid\":\"62ed4248-fee3-4ac1-9ed7-2fbcca124df3\",\"slug\":\"hybrid-strata-loan\",\"url\":\"au/lp/hybrid-strata-loan\",\"full_slug\":\"au/lp/hybrid-strata-loan\",\"_stopResolving\":true}}}]},{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"Are hybrid strata loans compatible with strata legislation in NSW and Victoria?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"No, not in their current form.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners corporations are statutory bodies, 'creatures of statute' created and governed by specific state legislation. Understanding this is essential. Unlike ordinary companies, which can do mostly anything not prohibited by law, an owners corporation starts from the opposite position: It can only do what its enabling legislation specifically empowers it to do. If the legislation is silent, it cannot do it.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The Bugden Allen Group Legal analysis, published 19 May 2026, concludes that the levy credit mechanism is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\", meaning it is beyond the legal powers granted to owners corporations under both the \",\"type\":\"text\"},{\"text\":\"NSW Strata Schemes Management Act\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" \",\"type\":\"text\"},{\"text\":\"2015 \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"and the \",\"type\":\"text\"},{\"text\":\"Victorian Owners Corporations Act 2006\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\". No general meeting resolution can authorise something the legislation does not expressly permit.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Section 100 of the \",\"type\":\"text\"},{\"text\":\"Strata Schemes Management Act 2015\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (NSW) grants an owners corporation the power to borrow money. Section 25 of the \",\"type\":\"text\"},{\"text\":\"Owners Corporations Act 2006 \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"(VIC) does the same. But neither Act grants an owners corporation the power to credit a levy obligation against a debt owed by the owners corporation. Strata legislation in both states is prescriptive about how funds are raised and spent. There is no prescribed power that authorises a strata scheme to grant a 'credit' to a lot owner in lieu of levy payment.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This is not a technical drafting oversight. It cannot be resolved by contract or by a resolution passed at a general meeting. An act that is \",\"type\":\"text\"},{\"text\":\"ultra vires \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"is not compatible with legislation, and the consequences flow through the entire structure of the loan agreements.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Key legal references: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"type\":\"hard_break\"},{\"text\":\"Strata Schemes Management Act 2015\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (NSW) ss.73, 74, 78, 79, 81, 83, 86, 95, 98, 100, 270\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners Corporations Act 2006\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\" (VIC) ss.23, 25, 26, 27, 28, 33, 34, 35, 202\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Bugden Allen Group Legal analysis by Gerard Doyle, Partner and Fellow of the Australasian College of Strata Lawyers (19 May 2026) · ATO Product Ruling PR 2024/2\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"What are the legal consequences for owners corporations and lot owners?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"1. Lending Owners become unfinancial â and lose their right to vote\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In both NSW and Victoria, lot owners who fail to pay their levies become 'unfinancial'. This status strips them of the right to vote at general meetings. Because the levy credit is \",\"type\":\"text\"},{\"text\":\"ultra vires\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]}
1,{\"text\":\", it will be void and so the Lending Owner's levy remains formally outstanding, regardless of what the loan documentation says about the offset arrangement. A Lending Owner is therefore technically in default of their levy obligations from the moment each levy falls due.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The practical consequence is severe: the lot owners who agreed to lend their own money to the owners corporation prior to the commencement of work find themselves classified as non-paying owners, unable to participate in the governance of their own scheme.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"2. Record keeping and audit obligations cannot be met\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata legislation in both NSW and Victoria requires owners corporations to keep accurate financial records and reconcile them with bank statements. The NSW SSMA specifically requires the owners corporation to record every transaction of money received or disbur
1sed, and each year to reconcile those transactions against its banking records.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The levy credit mechanism creates an insurmountable problem: because no money actually moves when the credit is applied, nothing appears on the owners corporationâs bank statement. An auditor cannot reconcile what isn't there. In Victoria, the OCA requires accounts to provide a 'true and fair view' of the owners corporation's financial position â something that cannot be achieved because offset arrangements are not reflected in the bank records.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask your auditor directly: Can our treasurer complete the accounts when this product is being used? If the answer is unclear, that is a significant red flag for the committee's legal obligations.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"3. The loan agreements themselves may be void\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Section 202 of the VIC OCA and section 270 of the NSW SSMA both void any contractual term that purports to exclude, modify or restrict the operation of the Act. Because the credit mechanism is a fundamental term of these contracts, for them to be void may lead to \",\"type\":\"text\"},{\"text\":\"frustration of the contract\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\", rendering the whole arrangement \",\"type\":\"text\"},{\"text\":\"void ab initio\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#C00000\"}},{\"type\":\"bold\"},{\"type\":\"italic\"}]},{\"text\":\" (from inception)\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" and leaving it without any contractual foundation.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Monies advanced by both the commercial lender and the Lending Owner may no longer be subject to any enforceable repayment obligation. This could prompt lenders to commence urgent legal proceedings to recover funds advanced.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This raises urgent questions: What happens to money already lent? To repayments? To money already used by the owners corporation?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Read more about this legal consequence \",\"type\":\"text\"},{\"text\":\"here\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"/au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"uuid\":\"66a5bc20-43e0-478d-950f-27cf1c2b3979\",\"anchor\":null,\"target\":\"_self\",\"linktype\":\"story\",\"story\":{\"name\":\"The Legal Reality of Hybrid Strata Loans and Why Lannock Steers Clear of This Product\",\"id\":188684798666736,\"uuid\":\"66a5bc20-43e0-478d-950f-27cf1c2b3979\",\"slug\":\"the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"url\":\"au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"full_slug\":\"au/news-insights/articles/the-legal-reality-of-hybrid-strata-loans-and-why-lannock-steers-clear-of-this-product\",\"_stopResolving\":true}}},{\"type\":\"bold\"}]},{\"text\":\".\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"4. Lending Owners carry increased exposure, theyâre still on the hook\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The hybrid strata loan structure may create two tiers of owners, but it does not create two tiers of liability. A Lending Owner who lends to the owners corporation does not remove themselves from the external borrowing arrangement. Arrears, defaults, budget blowouts, cost overruns, shortfalls, fees and penalties â joint and several liability for the full obligations of the owners corporation remains intact for every owner in the scheme.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"What has also changed is the Lending Owner's position. Their loan to the owners corporation is unsecured project finance. They now carry the borrower's risk and the lender's risk simultaneously. If the owners corporation cannot repay them, they are an unsecured creditor of a corporation of which they are also a member and for whose debts they remain personally liable.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"They have not reduced their exposure. They have added to it.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"What does the ATO say about hybrid strata loan interest?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"In \",\"type\":\"text\"},{\"text\":\"ATO Product Ruling PR 2024/2\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.ato.gov.au/law/view/document?docid=PR2024/2\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\", the Australian Tax Office determined that interest received by a Lending Owner is assessable income in the year the credit is applied, even if it is received by way of a levy credit rather than as an actual cash payment.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}
1,\"content\":[{\"text\":\"This means Lending Owners who enter hybrid strata loan arrangements must declare the interest component of any levy credit as income in their annual tax returns, even though no cash has entered their bank account. These tax implications are not necessarily disclosed clearly in most hybrid strata loan marketing materials.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Furthermore, weâve been shown our competitorâs loan documentation and Lannock is the only strata lender we are aware of to publish a comparison rate that includes every fee and cost, ensuring you see the true cost of funds without hidden complexities.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#C00000\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"What happens if a Lending Owner wants to sell their property?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A Lending Owner's loan agreement is a contract between that individual and the owners corporation (and the commercial strata lender). An incoming purchaser is not a party to that agreement and so cannot simply step into the Lending Owner's position.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Arranging an assignment of the loan will require a deed of assignment executed by four parties: the Lending Owner (seller), the incoming purchaser, the owners corporation and the commercial strata lender. The owners corporation must also convene a general meeting to pass the necessary resolution. Coordinating four parties (including a strata lender and a body corporate manager) within a standard property settlement window creates a significant practical burden that the current hybrid strata loan products do not adequately address.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A lot owner who entered a hybrid strata loan arrangement expecting a straightforward path to sell may find themselves facing delays, additional legal fees and a purchaser who is unwilling to accept the complexity.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"What are the other practical risks of hybrid strata loans?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Beyond the legal problems identified by Bugden Allen, strata communities evaluating hybrid strata loan products should consider:\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Complex administration for the whole scheme\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Hybrid strata loans require the owners corporation to manage multiple lenders simultaneously, maintain separate accounts for Lending Owner contributions, calculate pro-rata levy splits and prepare Individual Annual Investment Income Returns for submission to the ATO. This complexity drives up administration fees for every owner in the scheme â not just those who participated as Lending Owners.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Thin contracts for a complex product \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The Lending Owner contracts used in hybrid strata loan products are an âeasy readâ - deceptively so. Given that the levy credit mechanism â the core of the product â is legally void, it follows that the contracts cannot properly document or protect the arrangement. Fewer contractual safeguards mean fewer options when something goes wrong.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"Classification as a Managed Investment Scheme (MIS) and ASIC Design Obligations\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"As noted by Bugden Allen, hybrid strata loan products bear hallmarks of an unregistered Managed Investment Scheme (MIS) under the \",\"type\":\"text\"},{\"text\":\"Corporations Act 2001\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\". If ASIC treats them as MIS, the compliance burden on promoters increases significantly â and any penalties for non-compliance would flow back through the scheme.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Beyond the \",\"type\":\"text\"},{\"text\":\"Corporations Act\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\", strata funders who offer these products face accountability under ASICâs Design and Distribution Obligations (see RG 274). These products do not appear to meet aspects of ASICâs guidelines, such as 'choice architecture' which amongst other things, is concerned that products do not exploit environmental factors such as decision fatigue among owners. If a funder ignores these regulatory accountabilities, their failure becomes your problem if it brings about the early demise of the funder.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":2,\"textAlign\":null},\"content\":[{\"text\":\"The Alternative: Proper, Proven Standard Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A standard strata loan from an established, specialist lender like Lannock Strata Finance provides capital works funding without the structural legal problems of a hybrid model.\",\"type\":\"text\"}]},{\"type\":\"table\",\"content\":[{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableHeader\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190]},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":\"left\"},\"content\":[{\"text\":\" Feature\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"tableHeader\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476]},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":\"left\"},\"content\":[{\"text\":\" Standard Strata Loan\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#220A65\"}}]}]}]},{\"type\":\"tableHeader\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834]},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":\"left\"},\"content\":[{\"text\":\" Hybrid Strata Loan\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#220A65\"}}]}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Legality \u0026 Compliance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Fully compliant with NSW/VIC Strata Acts\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Deemed \",\"type\":\"text\"},{\"text\":\"ultra vires \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"(incompatible with legislation)\",\"type\":\"text\"}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Owner Liability\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Joint and several liability\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Lending Owners increase their exposure; they do not reduce it\",\"type\":\"text\"}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Voting Rights\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Retained by all financial owners (i.e. paying their levies)\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Lending Owners risk becoming 'unfinancial' and losing voting rights\",\"type\":\"text\"}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Tax Position\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Levy payments are generally fully tax-deductible for investors (seek advice from your professional)\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Interest credits are assessable income (ATO PR 2024/2) and a Lending Owner's out-of-pocket contribution is not tax deductible\",\"type\":\"text\"}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Audit \u0026 Accounting\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null}
1,\"content\":[{\"text\":\" Clean audit trail matching bank statements\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Unreconcilable (offset credits do not appear in bank records)\",\"type\":\"text\"}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Selling Your Property\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Straightforward and automatic transfer to the new owner\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Requires a complex 4-party deed of assignment \u0026 general meeting\",\"type\":\"text\"}]}]}]},{\"type\":\"tableRow\",\"content\":[{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[190],\"backgroundColor\":\"#E0F1FD\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Scheme Administration\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[476],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" Single lender, single rate, single repayment structure\",\"type\":\"text\"}]}]},{\"type\":\"tableCell\",\"attrs\":{\"colspan\":1,\"rowspan\":1,\"colwidth\":[834],\"backgroundColor\":\"#E9FAFF\"},\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\" High complexity, multiple lenders, drives up strata management fees\",\"type\":\"text\"}]}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Â \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"With a conventional strata loan:\",\"type\":\"text\"}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The owners corporation borrows from a single lender under a single loan agreement\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"All lot owners contribute to repayment through their regular levies\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Levy payments to service the loan made through the admin fund are tax-deductible for investors\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"The loan structure is straightforward to disclose to purchasers and valuers\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Audit and reconciliation can be completed cleanly â no phantom credits, no missing bank entries\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"There is no risk of Lending Owners becoming unfinancial or losing governance rights\",\"type\":\"text\"}]}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Explore a standard strata loan here.\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"/au/our-loans/strata-loan\",\"uuid\":\"e1b13ef1-2106-4370-bbff-6ad2d1773b4c\",\"anchor\":null,\"target\":\"_self\",\"linktype\":\"story\",\"story\":{\"name\":\"Strata Loan\",\"id\":67396,\"uuid\":\"e1b13ef1-2106-4370-bbff-6ad2d1773b4c\",\"slug\":\"strata-loan\",\"url\":\"au/our-loans/strata-loan\",\"full_slug\":\"au/our-loans/strata-loan\",\"_stopResolving\":true}}}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Â \",\"type\":\"text\"}]},{\"type\":\"horizontal_rule\"},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}}]},{\"text\":\"Â has been leading the way in strata and providing funding for strata communities across Australia for more than 20 years. Hybrid strata loans, in their current form, do not meet the compliance standards of strata. The Bugden Allen legal analysis confirms the basis for that position.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"If your strata community is evaluating a hybrid strata loan product, we strongly encourage you to seek independent legal and financial advice. When it comes to strata, the gold standard for legal advice is from members of the Australasian College of Strata Lawyers. The instructions given to your advisers should clearly focus on statutory interpretation and require them to respond to the points raised in the Bugden Allen advice. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Ask them directly: Is this loan structure compliant with strata legislation in our state? Can my corporation authorise something that the legislation does not explicitly permit?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Speak to our team:Â Call 1300 851 585\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"type\":\"hard_break\"},{\"type\":\"hard_break\"}]}]},\"component\":\"article_text\"}],\"category\":[\"news\",\"insight\"],\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":188716653705116,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2121x1414/07278c7eee/istock-912803244.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$2c\"},\"hero_image\":{\"id\":188716653705116,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2121x1414/07278c7eee/istock-912803244.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$2d\"},\"main_author\":\"\",\"postcontent\":[{\"_uid\":\"a0dc48f8-be38-4b65-9868-4eca72486fdb\",\"
1items\":[\"6b22f85d-f47e-4448-9889-25e419bf1cfa\",\"7ca41b66-1ce5-4310-bbcf-7d85f6d0edeb\",\"0f46798d-dd52-4478-887c-9125aaa37903\",\"2a9c63fa-b35f-455e-b2fa-fe5390e95957\",\"aaf63e57-c912-4848-b3a7-b5a5afdab385\",\"ebfcbdcd-f322-4538-9e81-cd35343bbcdb\",\"6cf8388a-ea23-48ab-be4c-70a5395607c6\",\"8f2ef205-4cb6-4289-8bd1-4e2e9805fc9c\",\"b720f5e1-0f5c-49c0-abb1-bfd92fc08a06\"],\"title\":\"Frequently asked questions about hybrid strata loans\",\"button\":[{\"_uid\":\"16b1eee8-6c1d-45e8-ba20-3451fe0560c3\",\"icon\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"link\":{\"id\":\"7cff490a-03ff-4794-b67e-253272574fbb\",\"url\":\"\",\"linktype\":\"story\",\"fieldtype\":\"multilink\",\"cached_url\":\"au/faqs\",\"story\":{\"name\":\"FAQs\",\"id\":67384,\"uuid\":\"7cff490a-03ff-4794-b67e-253272574fbb\",\"slug\":\"faqs\",\"url\":\"au/faqs\",\"full_slug\":\"au/faqs\",\"_stopResolving\":true}},\"label\":\"View all FAQs\",\"variant\":\"primary\",\"is_large\":false,\"component\":\"button\"}],\"subtitle\":\"\",\"component\":\"faq_section\",\"items_section\":[{\"_uid\":\"8689fbf9-66a8-46ac-ad10-2caa7c86f0ef\",\"answer\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"A hybrid strata loan is a strata finance arrangement in which an owners corporation borrows capital from both a commercial lender and from individual lot owners within the scheme (called Lending Owners or Participating Lot Owners). Lending Owners fund their proportionate share directly to the OC under separate loan agreements, with repayments offset against their levy obligations via a 'levy credit' mechanism.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]}]}]},\"question\":\"What is a hybrid strata loan?\",\"audiences\":[],\"component\":\"faq_section_item\",\"is_visible\":true}]},{\"gap\":\"\",\"_uid\":\"61b70eb6-8732-498a-9e32-cf04e9d021cf\",\"wrap\":\"\",\"width\":\"full\",\"lg_gap\":\"\",\"margin\":\"\",\"md_gap\":\"\",\"display\":\"\",\"padding\":\"\",\"block_id\":\"\",\"children\":[{\"_uid\":\"1ca8cd3f-5fed-4222-8a49-0718570e3a71\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"heading\",\"attrs\":{\"level\":3,\"textAlign\":null},\"content\":[{\"text\":\"About Lannock Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock Strata Finance is Australia's leading specialist strata lender, with more than 20 years of experience providing finance to thousands of owners corporations and strata communities. Lannock lends exclusively in the strata sector; it is not a bank, not a generalist commercial lender, and not a new market entrant.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Lannock does not offer hybrid strata loan products. This page is not marketing material for a competing product â it is an educational resource for strata communities, committees, managers and advisers navigating an increasingly complex strata finance market.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"For independent information about conventional strata loans, visit \",\"type\":\"text\"},{\"text\":\"lannockstratafinance.com/our-loans/strata-loan\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lannockstratafinance.com/our-loans/strata-loan\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\", or call 1300 851 585.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4,\"textAlign\":null},\"content\":[{\"text\":\"Sources and references\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Bugden Allen â 'Hybrid Loan Agreements in Strata Schemes: Why the Current Structure Does Not Work', Gerard Doyle, Partner (May 2026)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Strata Schemes Management Act 2015 (NSW) â ss.100 (borrowing power), 270 (void contract terms)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"Owners Corporations Act 2006 (VIC) â ss.25 (borrowing power), 202 (void contract terms)\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"ATO Product Ruling PR2024/2 â treatment of interest credits as assessable income\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"attrs\":{\"textAlign\":null},\"content\":[{\"text\":\"This page is for educational purposes only and does not constitute legal, financial or tax advice. We recommend seeking independent advice from qualified strata legal and financial professionals.\",\"type\":\"text\"}]}]},\"display\":\"\",\"block_id\":\"\",\"component\":\"text_block\",\"font_size\":\"\",\"max_width\":\"\",\"lg_display\":\"\",\"md_display\":\"\",\"text_align\":\"\",\"text_color\":{\"plugin\":\"storyblok-palette\"},\"custom_class\":\"\",\"lg_font_size\":\"\",\"lg_max_width\":\"\",\"md_font_size\":\"\",\"md_max_width\":\"\",\"lg_text_align\":\"\",\"md_text_align\":\"\",\"background_color\":{\"plugin\":\"storyblok-palette\"}}],\"lg_width\":\"\",\"md_width\":\"\",\"overflow\":\"\",\"component\":\"box\",\"direction\":\"column\",\"flex_grow\":\"\",\"max_width\":\"\",\"padding_x\":\"\",\"padding_y\":\"8\",\"lg_display\":\"\",\"lg_padding\":\"\",\"md_display\":\"\",\"md_padding\":\"\",\"min_height\"
1:\"\",\"align_items\":\"center\",\"flex_shrink\":\"\",\"custom_class\":\"\",\"lg_direction\":\"\",\"lg_padding_x\":\"\",\"lg_padding_y\":\"\",\"md_direction\":\"\",\"md_padding_x\":\"\",\"md_padding_y\":\"\",\"border_radius\":\"\",\"use_container\":true,\"lg_align_items\":\"\",\"md_align_items\":\"\",\"justify_content\":\"center\",\"background_color\":{\"value\":\"#F3F8FE\",\"plugin\":\"storyblok-palette\"},\"lg_justify_content\":\"\",\"md_justify_content\":\"\"}],\"published_at\":\"2026-06-25 16:00\",\"author_override\":\"Lannock Strata Finance\",\"hide_hero_image\":true},\"slug\":\"hybrid-strata-loans-australia\",\"full_slug\":\"au/news-insights/articles/hybrid-strata-loans-australia\",\"sort_by_date\":null,\"position\":-120,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"aa1954fd-7a97-4a0a-bd3e-455b128a6caa\",\"first_published_at\":\"2026-06-23T04:44:33.815Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Tax Traps for Strata Owners and Committees â Specialist Advice Crucial as Tax Time Approaches\",\"created_at\":\"2025-05-29T06:31:38.047Z\",\"published_at\":\"2025-05-30T01:12:46.129Z\",\"updated_at\":\"2025-05-30T01:12:46.155Z\",\"id\":373360,\"uuid\":\"279e3091-ed57-459e-b7f2-ed400d54e57b\",\"content\":{\"seo\":{\"_uid\":\"2564845c-2fc9-4eb9-a835-e45e6eece694\",\"title\":\"Tax Traps for Strata Owners and Committees\",\"plugin\":\"meta-fields\",\"description\":\"As tax time approaches, strata owners and committees across Australia have been warned to be wary of the tax implications of strata financial decisions.\"},\"_uid\":\"bd2fce8e-d281-4138-a5f3-bec4c8ed27eb\",\"title\":\"Urgent National Alert: Tax Traps for Strata Owners and Committees â Specialist Advice Crucial as Tax Time Approaches\",\"author\":[],\"content\":[{\"_uid\":\"01ab9517-82b0-4639-be47-7c91fbb2cce2\",\"video\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"component\":\"article_video\",\"video_url\":\"https://youtu.be/U_NwMNrjWyI?si=CTlpBy_wQTe08B5s\"},{\"_uid\":\"1d2de344-7a50-478f-af22-c286f8a07cb4\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lookupstrata, Sydney, Australia â May 29, 2025\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" â As tax time approaches, strata owners and committees across Australia have been warned to be wary of the tax implications of strata financial decisions.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Leading strata finance specialists told a recent national Lookupstrata webinar that widespread misunderstanding of this complex area can undermine owners' return on investment and lead to substantial, unexpected tax bills from the Australian Taxation Office (ATO).\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"\\\"It was surprising to hear that the first time lot owners may become aware of these significant tax implications was through a large tax bill from the ATO,\\\" said Nikki Jovicic, Lookupstrata MD and webinar moderator.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"\\\"The aim of these webinars is to highlight and educate owners and committee members on crucial information so they can make more informed financial decisions.\\\"\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Paul Morton, CEO\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" of \",\"type\":\"text\"},{\"text\":\"Lannock Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" and \",\"type\":\"text\"},{\"text\":\"Rod Laws, Director\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" at \",\"type\":\"text\"},{\"text\":\"Tinworth and Co\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\", stressed that both individual owners and strata committees must carefully factor in tax consequences when making financial decisions. They believe many committees, while acting in the best interests of the scheme, may be operating in ignorance of the intricacies of tax rules.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Understanding Tax Obligations\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"\\\"Residential owners often don't consider tax in their strata matters, unlike investor owners who might hand it over to their accountant and forget about it,\\\" explained Paul Morton.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"\\\"However, both groups stand to miss out on potential benefits or face unforeseen liabilities if they don't understand how strata decisions directly impact their individual tax obligations.\\\"\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Rod Laws said, âdecisions on levies and capital works can have profound tax implications for individual owners.â\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"\\\"For instance, investor owners can claim capital works deductions, but crucially, this is only permissible when the owners corporation actually spends the funds, not necessarily when the levy is paid,\\\" Laws stated.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"The Costly Consequences of Unawareness\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"A striking scenario highlighted by Paul and Rod involved the development of common property, such as building penthouse apartments on the roof. If a scheme of 124 units spent $20 million on construction and sold them for\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"$$50 million, the $30 million profit could leave individual owners facing a tax bill on their $220,000 share.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"This taxable income would typically not qualify for the capital gains tax 50% discount because the activity is considered a business enterprise, not a passive investment. The sale could also be subject to GST, further reducing the net proceeds.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Experts said that failing to correctly account for such transactions can lead to severe penalties from the ATO, including fines up to 250% of the evaded tax (which lot owners and committee members are most likely unaware of) and, in extreme cases, even jail time for serious non- compliance.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Seeking Specialist Strata Tax Advice\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The experts stressed that the way an owners corporation structures its finances â whether capital works funds, special levies or external borrowing â directly affects tax deductions for individual owners on their levies.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"With tax time on the horizon, owners and committees should pay attention to the tax implications of their financial decisions and seek independent financial and tax advice from a specialist strata tax agent who is specifically aware of and understands how tax rules work in strata.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"This will help make informed decisions about the crucial after-tax impact on investments and personal finances.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"\\\"It's crucial for owners to ask the right questions of their tax advisors regarding levy structures and the financial decisions of the owners corporation,\\\" added Laws.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The webinar underscored that tax considerations should be a fundamental and integrated part of every significant financial decision made within a strata scheme.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"This proactive approach, guided by specialist advice, is essential to protect owners' financial interests and ensure full compliance with ATO regulations.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"To listen to the full webinar and gain deeper insights, watch the complete webinar video available on this page.\",\"type\":\"text\"}]},{\"type\":\"paragraph\"},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Media Contact\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"For any further details please contact:\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Julie Schoneveld - Media Manager, Lookupstrata\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Contact: 0435 939 491\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Email: \",\"type\":\"text\"},{\"text\":\"[email protected]\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"[email protected]\",\"uuid\":null,\"anchor\":null,\"custom\":{},\"target\":\"_self\",\"linktype\":\"email\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"About Lookupstrata\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Since 2008, Lookupstrata has solidified its position as Australia's leading independent online strata resource hub, delivering unparalleled and \",\"type\":\"text\"},{\"text\":\"easily accessible\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://lookupstrata.us7.list-manage.com/subscribe?u=475482014a8d5617737f94131\u0026id=422c8a14f2\",\"uuid\":null,\"anchor\":null,\"custom\":{},\"target\":\"_blank\",\"linktype\":\"url\"}}]},{\"text\":\" information for strata owners, committee members, strata professionals, and service providers nationwide. For over 16 years, We have championed \",\"type\":\"text\"},{\"text\":\"unrestricted access to unbiased, thoroughly researched \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\"strata information, empowering the entire strata community with the knowledge to confidently navigate the intricacies of strata living and make well-informed decisions.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Lannock Strata Finance\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Since 2004, \",\"type\":\"text\"},{\"text\":\"Lannock Strata Finance\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\", founded by CEO Paul Morton, has been Australia's leading strata lender. We are experts in strata and capital works funding, partnering with the NSW and ACT Governments on critical remediation programs like Project Remediate.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Tinworth \u0026 Co\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Spanning \",\"type\":\"text\"},{\"text\":\"30 years, Tinworth \u0026 Co\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" is a highly credible leader in strata audits across Australia. We are a dedicated specialist team, headed by \",\"type\":\"text\"},{\"text\":\"Rod Laws\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" since 1993 (a Member of the Institute of Chartered Accountants ANZ), consistently delivering transparent and accountable services tailored to the specific accounting and taxation needs of strata committees and owners.\",\"type\":\"text\"}]}]},\"component\":\"article_text\"}],\"category\":[\"news\"],\"featured\":false,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":150500,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/1280x720/c07b7b25ae/lannock-tinworth-yt-thumbnail.png\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{\"alt\":\"\",\"title\":\"\",\"source\":\"\",\"copyright\":\"\"},\"is_external_url\":false,\"blurDataURL\":\"$2e\"},\"main_author\":\"\",\"postcontent\":[],\"published_at\":\"2025-05-29 07:03\",\"author_override\":\"\"},\"slug\":\"tax-traps-for-strata-owners-and-committees-specialist-advice-crucial-as-tax-time-approaches\",\"full_slug\":\"au/news-insights/articles/tax-traps-for-strata-owners-and-committees-specialist-advice-crucial-as-tax-time-approaches\",\"sort_by_date\":null,\"position\":-60,\"tag_list\":[],\"is_startpage\"
1:false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"7e0ea341-2e68-40d3-94dc-db7b466e926b\",\"first_published_at\":\"2025-05-29T06:53:15.649Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Getting finance right in strata â more support for committees\",\"created_at\":\"2025-04-11T01:32:22.575Z\",\"published_at\":\"2025-04-11T06:15:33.524Z\",\"updated_at\":\"2025-04-11T06:15:33.557Z\",\"id\":231122,\"uuid\":\"b66f9605-1d31-4efa-af88-0df429122857\",\"content\":{\"seo\":{\"_uid\":\"2ba1fb82-1a21-4166-9ebb-4e4f09f4c859\",\"title\":\"Getting finance right in strata â more support for committees\",\"plugin\":\"meta-fields\",\"description\":\"New laws just passed by the NSW parliament and expected to take effect later this year will provide more help and guidance for committee members faced with tough decisions.\"},\"_uid\":\"7f3539da-2a01-46e9-a813-969f60f14178\",\"title\":\"Getting finance right in strata â more support for committees\",\"author\":[],\"content\":[{\"_uid\":\"ee444978-ab76-470c-9efc-51b3f251e44b\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Joining a strata committee is a great way to collaborate with your neighbours and help shape decisions that affect your property. \",\"type\":\"text\",\"marks\":[{\"type\":\"styled\",\"attrs\":{\"class\":\"text-xl\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"But it can seem like a thankless task, particularly when decisions inevitably will not please everyone. Frankly, they canât. Strata legislation is the real driver of committee decisions and so the first job of a strata committee is to ensure the corporation complies with legislation, advocating for good ideas is secondary.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"New laws just passed by the NSW parliament and expected to take effect later this year will provide more help and guidance for committee members faced with tough decisions. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":5},\"content\":[{\"text\":\"New laws:\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Training for committees\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Duty to the owners corporation\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Enforcement of repairs and maintenance\",\"type\":\"text\"}]}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Better understanding, better meetings, better decisions\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Importantly, they include a new requirement for committee members to undertake some formal training.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The details are yet to be rolled out but the intent is clear: Training will improve strata knowledge, which should lead to better meetings and better decisions.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Another new section will more explicitly codify the duties of committee members to act responsibly and \",\"type\":\"text\"},{\"text\":\"âwith honesty and fairness, with due care and diligence and for the benefit, as far as practicable, of the owners corporation.â \",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The key words here are â\",\"type\":\"text\"},{\"text\":\"of the owners corporation.\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"â \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The owners corporation gives life to the collective responsibility of all owners for everything that is not part of individual lots. Decisions by committees must be based on the best interests of the owners corporation as a whole and as a separate legal entity, not just cater to the desires of the owners who attend meetings. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Repair and maintain â time to act \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The package also includes new powers for Fair Trading to enforce the legal obligation of the owners corporation to repair and maintain common property. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Any owners corporation delaying major repairs or neglecting critical maintenance risks having that decision taken out of their hands. Details of how that would happen have not been provided. However, we note the power already exists to have an administrator appointed so itâs reasonable to think that might be the mechanism government will use. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Informed decision making \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The government focus on the duty of a committee (and each of its members) to act in the interests of the owners corporation as well as the obligation to repair and maintain the property highlights the requirement for good process in making informed decisions. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The most critical decision-making processes in our personal, business and strata lives is not deciding how to finance something â it is deciding whether to do that something in the first place. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Decisions need to be made in two stages: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"First, what should be done? And second, whatâs the best way to pay for it? \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Some of our personal decisions are easy and discretionary: For example, Stage 1 â\",\"type\":\"text\"},{\"text\":\"I want the new iPhone\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"â. Stage 2 is â\",\"type\":\"text\"},{\"text\":\"How do I pay for it?\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"â \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Here the decision whether to act can be influenced by affordability. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":5},\"content\":[{\"text\":\"Other decisions are much more complex, but still discretionary: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Stage 1 âI need to register my carâ. Stage 2 â\",\"type\":\"text\"},{\"text\":\"I donât have any money.\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]},{\"text\":\"â This is similar to many strata decisions where the legislation is clear that something must be done but the best means of paying for it is not immediately clear. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":5},\"content\":[{\"text\":\"Committees and committee members must also separate decisions into stages: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"ordered_list\",\"attrs\":{\"order\":1},\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"What should be done? \",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"What is the best way to pay for it? \",\"type\":\"text\"}]}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"In strata, many decisions are not discretionary. The owners corporation must repair and maintain. The âwhat to doâ is not optional, itâs purely a matter of working out the best way to do it. Owners corporations often get stymied here, confusing decisions about âwhat is best to do?â with âhow best to pay for itâ â these must always be kept separate. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Most decisions about how to pay for something require a general meeting. Under the new strengthened duties, strata committees must show âdue care and diligenceâ in asse
1ssing all options, including financing options, so owners in a general meeting can make an informed decision. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Tax is key \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Once a decision is made to act, the committee must determine the best way to fund the investment while acting in the owners corporationâs best interests. To do this, it is crucial for both the committee and owners to evaluate the funding in terms of after-tax costs. \",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":5},\"content\":[{\"text\":\"Taxes to consider: \",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Income tax for each owner \",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Company tax for the corporation \",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Capital gains tax \",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"GST \",\"type\":\"text\"}]}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"For Lannockâs part, after 20 years in strata finance, it is very clear to us that debt funding by the owners corporation is usually the most cost effective option after tax. That is certainly the case for investors, and to varying degrees for most other owners. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The message for committees is simple:\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"}]},{\"text\":\" In choosing how to fund your project, carefully consider all the options, including the after-tax effect of the levies that result from the choice of funding. Seeking expert advice on tax is a great idea.\",\"type\":\"text\"}]},{\"type\":\"paragraph\"}]},\"component\":\"article_text\"}],\"category\":[\"news\",\"insight\"],\"featured\":false,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":144368,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/3864x2577/e8ad12d17b/lannock_strata_discussion_24-03-25.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$2f\"},\"main_author\":\"\",\"postcontent\":[],\"published_at\":\"2025-04-11 13:00\",\"author_override\":\"\"},\"slug\":\"getting-finance-right-in-strata-more-support-for-committees\",\"full_slug\":\"au/news-insights/articles/getting-finance-right-in-strata-more-support-for-committees\",\"sort_by_date\":null,\"position\":-50,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"8b364f98-11b7-4868-a9ec-65c14474b388\",\"first_published_at\":\"2025-04-11T05:18:22.091Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"CEFC signs MOU with Lannock Strata Finance\",\"created_at\":\"2025-03-14T03:44:16.027Z\",\"published_at\":\"2025-03-16T22:48:00.013Z\",\"updated_at\":\"2025-03-16T22:48:00.050Z\",\"id\":191283,\"uuid\":\"a4de6d45-a7ab-4206-8431-7cf66d9ac911\",\"content\":{\"seo\":{\"_uid\":\"2010f250-344d-4441-894c-9fc51c785152\",\"title\":\"CEFC signs MOU with Lannock Strata Finance to develop green finance for strata properties\",\"plugin\":\"meta-fields\",\"description\":\"The CEFC will work with Lannock Strata Finance (Lannock) to develop a green strata loan product for residential strata properties via the Household Energy Upgrades Fund (HEUFTM), unlocking the benefits of solar power for Australians who own or rent apartments. \"},\"_uid\":\"2cccaf11-d1fa-4f03-a4a7-9e1bb4322c32\",\"title\":\"CEFC signs MOU with Lannock Strata Finance to develop green finance for strata properties\",\"author\":[],\"content\":[{\"_uid\":\"b331d102-5432-4240-b8bc-e798dcfabda6\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"The CEFC will work with Lannock Strata Finance (Lannock) to develop a green strata loan product for residential strata properties via the Household Energy Upgrades Fund (HEUFTM), unlocking the benefits of solar power for Australians who own or rent apartments. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Under a Memorandum of Understanding (MOU) signed by both parties, the CEFC will work with Lannock to develop a green strata loan product that would make it cheaper and easier for owners corporations to install rooftop solar in residential strata buildings. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The CEFC finance would offer a material reduction in the current borrowing rate to help finance the upgrades.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The CEFC capital would provide critical additional finance for owners corporations that receive solar rebates under State Government programs, including the NSW Solar for Apartments Residents (SoAR) program. SoAR is supported by the C
1ommonwealthâs Community Solar Banks, allowing the owners corporations of eligible apartment complexes to access rebates of up to $150,000) toward the cost of installing solar. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"CEFC CEO Ian Learmonth said: âWe can drive down emissions from the built environment by putting more renewable energy into the hands of more Australians. Delivering this green strata loan product would help CEFC finance reach renters and apartment owners - a section of the community which has previously struggled to share in the benefits of renewable energy generation and reduce household costs.â \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"âReducing the cost of finance to install solar will overcome a significant barrier to the uptake of solar across Australiaâs many apartment buildings, enabling renters and owner occupiers to lower their carbon emissions and energy use.â\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock is Australia's largest strata lender and a pioneer in strata finance. Lannock works with the NSW and ACT Governments as the loan servicer for the NSW Project Remediate Program and the ACT Government Private Buildings Cladding Scheme to facilitate funding to help residential buildings replace flammable cladding. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Australiaâs existing 11 million homes are responsible for more than 10 per cent of total emissions and more than 25 per cent of electricity consumption. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The Australian Government has allocated $1 billion to the CEFC to create the HEUF and fast- track sustainability improvements in existing housing by providing discounted consumer finance through a broad range of co-financiers. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The CEFC has engaged extensively with the sector and received proposals from a wide range of financiers, including major banks, mutual banks, non-banks and fintech innovators. The proposals covered green mortgages, green personal loans and other innovative green finance products to improve home energy performance for homeowners, renters and strata properties.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\" The CEFC has received proposals for investment opportunities worth more than $850 million in green loans. It has since announced investments via the HEUF worth some $345 million. It continues to work with a range of lenders to develop products with the potential to be financed through the HEUF, with further commitments expected in 2025. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The HEUF builds on the CEFC experience in designing and leading the green home and personal loan markets, and the uptake of clean energy technologies, through its consumer finance programs, as well as investments to help improve energy efficiency across the property sector.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Please note: The CEFC does not provide finance to individual borrowers and is not involved in individual financing decisions. The CEFC does not assess individual finance applications and does not provide grants. Interested borrowers should contact relevant financiers directly.\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"italic\"}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"About the CEFC\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The CEFC is Australiaâs specialist climate investor, helping cut emissions in the race towards net zero by 2050. We invest in the latest technologies to generate, store, manage and transmit clean energy. Our discounted asset finance programs help put more Australians on the path to sustainability, in their homes and on the road. CEFC capital is also backing the net zero transformation of our natural capital, infrastru
1cture, property and resources sectors, while providing critical capital for the emerging climate tech businesses of tomorrow. With access to more than $32 billion from the Australian Government, we invest to deliver a positive return for taxpayers.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"About Lannock Strata Finance\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock is Australia's leading strata lender. As pioneers in strata finance, Lannock has built its products and business through a commitment to innovation and excellence. Founded in 2004 by CEO Paul Morton, Lannock Strata Finance are the country's experts in strata funding and the economics of capital works in strata. Lannock works with the NSW and ACT Governments as the loan servicer for the NSW Project Remediate Program and the ACT Government Private Buildings Cladding Scheme. Lannock works with these state governments to facilitate funding for the remediation of residential buildings with flammable cladding to ensure safety and compliance.\",\"type\":\"text\"}]},{\"type\":\"paragraph\"},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Download the Press Release (PDF)\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://a-ap.storyblok.com/f/3000737/x/9169b5c577/cefc-signs-mou-with-lannock-strata-finance.pdf\",\"uuid\":null,\"anchor\":null,\"custom\":null,\"target\":\"_self\",\"linktype\":\"asset\"}}]}]}]},\"component\":\"article_text\"}],\"category\":[\"news\",\"Government\"],\"featured\":false,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":140123,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/2000x1270/60cc042829/cefc-lannock-white.png\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$30\"},\"main_author\":\"\",\"postcontent\":[],\"published_at\":\"2025-03-17 03:53\",\"author_override\":\"\"},\"slug\":\"cefc-signs-mou-with-lannock-strata-finance\",\"full_slug\":\"au/news-insights/articles/cefc-signs-mou-with-lannock-strata-finance\",\"sort_by_date\":null,\"position\":-40,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"f43b2a57-9ef4-42e8-8df6-d28e931758e8\",\"first_published_at\":\"2025-03-16T22:48:00.013Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Webinar: The cost of procrastination in strata\",\"created_at\":\"2025-02-11T23:24:51.098Z\",\"published_at\":\"2025-02-23T17:50:31.705Z\",\"updated_at\":\"2025-02-23T17:50:31.731Z\",\"id\":169761,\"uuid\":\"143df697-ef72-4705-b08f-20c5f0f3534c\",\"content\":{\"seo\":{\"_uid\":\"2e9142e6-9cb7-4b92-be70-a8547af95309\",\"title\":\"The cost of procrastination in strata. What is the true price of delay? \",\"plugin\":\"meta-fields\",\"description\":\"\"},\"_uid\":\"a50af2eb-36b7-4e8c-aecb-95e7c7abaf44\",\"title\":\"Webinar: The cost of procrastination in strata. What is the true price of delay?\",\"author\":[\"6c911f96-90ff-4822-be4f-911f14316859\"],\"content\":[{\"_uid\":\"c514b7c0-1fb3-4fa0-a7aa-321b892ed48b\",\"video\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"component\":\"article_video\",\"video_url\":\"https://youtu.be/lCgXqwvczHM\"},{\"_uid\":\"fc1b4912-6864-49e5-ac76-b07f556d5044\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"In this webinar, Paul Morton from Lannock Strata Finance, Bruce McKenzie from Sedgwick, and Michael Allen from Bugden Allen Group Legal joined Nikki Jovicic from Lookupstrata to discuss the cost of procrastination in strata. \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Presenters cover the following critical topics: \",\"type\":\"text\"}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Why delays in maintenance and capital work projects lead to higher costs\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"How y
1our committee can make timely decisions\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"How to fund unexpected urgent works alongside ongoing planned works\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"How to prioritise projects\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"What to consider when making a funding decision \",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"How to get alignment within your committee, and this increases the likelihood of passing your special resolution\",\"type\":\"text\"}]}]}]}]},\"component\":\"article_text\"}],\"category\":[\"insight\"],\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":116715,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/6020x4018/1dab2f1e93/lannock-strata-finance-apartment-building-roofer.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$31\"},\"main_author\":\"6c911f96-90ff-4822-be4f-911f14316859\",\"postcontent\":[],\"published_at\":\"2025-02-11 23:25\",\"author_override\":\"\"},\"slug\":\"the-cost-of-procrastination-in-strata\",\"full_slug\":\"au/news-insights/articles/the-cost-of-procrastination-in-strata\",\"sort_by_date\":null,\"position\":-20,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"e1b27b43-ba12-40df-ae98-3d54e5fb0359\",\"first_published_at\":\"2025-02-12T06:16:45.402Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Navigating Water Ingress in Strata Properties\",\"created_at\":\"2024-12-29T01:20:37.363Z\",\"published_at\":\"2025-02-23T17:51:35.739Z\",\"updated_at\":\"2025-02-23T17:51:35.770Z\",\"id\":148860,\"uuid\":\"2112ebf8-3443-4908-863c-29b40f618637\",\"content\":{\"seo\":{\"_uid\":\"5df344d2-17d9-484f-9539-8fa2e9c20d5f\",\"title\":\"The cost of not acting - A decision to not act is still a decision, and one which has its own costs. | Lannock Strata Finance\",\"plugin\":\"meta-fields\",\"description\":\"When discussing how to finance strata work, owners often ask how the Body Corporate can find alignment. An inability to find alignment can lead to the delay of critical work.\"},\"_uid\":\"1ab47f6e-7d3e-481f-be45-ec4210d74b7e\",\"title\":\"The cost of not acting - A decision to not act is still a decision, and one which has its own costs.\",\"author\":[\"75d00d4a-4358-4bf6-898c-ac4a730bf167\"],\"content\":[{\"_uid\":\"63c0a288-61b9-4467-a8fb-af7c123162a0\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Water ingress, or penetrating damp is an insidious problem that can infiltrate buildings through various pathways, including faulty waterproofing, plumbing leaks, and external breaches.\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Known as the âsilent intruderâ it is a pervasive issue, often going unnoticed until damage has occurred.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The immediate and long-term damages of water ingress are diverse, ranging from structural compromise to health issues arising from mould and fungal decay. In our experience, the silent nature of water ingress exacerbates these issues, as prolonged exposure often leads to more severe damage.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Strata communities face unique financial and logistical challenges in addressing water ingress. Legislation varies across Australia.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"For example, the Design and Building Practitioners Act (DBPA) which was introduced into NSW in 2021 mandates that waterproofing consultants be DBPA approved, adding a layer of complexity and protection to the management and rectification of water ingress issues. In other states water proofers must be certified by the relevant building authority and sign-off by a licenced plumber may be required.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Further adding to the complications you already face, the recent La Niña events have caused a backlog and delays in addressing water ingress. With weather experts such as Australiaâs Bureau of Meteorology predicting that Australia is heading for another La Niña weather event, we can expect these existing water ingress issues to be exacerbated as well as increasing the rectification backlog.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The tendency for Owner Corporations to procrastinate over carrying out remediation works can play out particularly badly in cases of water ingress, where delay often leads to increased damages and higher eventual costs. This emphasises the importance of informed financial planning in managing an Owner Corporationâs obligation to repair and maintain the property.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Identifying and Addressing Water Ingress\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Identifying signs of water ingress early is crucial. As is acting quickly to address the issues. Delays inevitably result in increased costs. Look for damp patches, staining or damage to exterior façades and concrete, mould growth, peeling paintwork and musty smells. Preventive measures and treatments are available, but expert advice should be sought.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Sydney Waterâs WaterFix program, a free service, aids Sydney residents in water conservation and leak detection. Our NSW Business Development team are well-versed and experienced in this program.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4}
1,\"content\":[{\"text\":\"Waterproofing Issues â Quick Fixes vs a Whole Building Permanent Fix Approach\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Waterproofing issues are not uncommon and can cost hundreds of thousands of dollars, even in smaller strata schemes. Quick fixes versus permanent repairs are a critical consideration. Taking a whole-building view is essential for long-term solutions, as discussed in Lannock Strata Financeâs recent webinar with LookUp Strata on âBang for your buck in capital worksâ.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Selecting Contractors and Consultants\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The importance of moving quickly, conducting inspections and understanding how they support you throughout the project are key to selecting the right contractor or consultant for water ingress rectification.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"We have found it beneficial to select a contractor or expert who can provide support at your general meetings. Having an âexpert in the roomâ can help owners better understand what the risks are, and what options are available to them. At a practical level it will also relieve pressure on any individual owner, by enabling a fuller discussion at an OCâs general meeting - rather than having messages and questions being passed between consultants, contractors, and committee members to be fed through to owners.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Your state-based strata body or Owners Corporations organisation is always a good starting point if you need advice as to whom to turn.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Financial Solutions for Rectification Works\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock Strata Finance provides flexible funding solutions to alleviate the financial burden on\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"strata communities facing water ingress issues. These options allow for rectification works to be carried out immediately, avoiding the risk of further damage caused by delay, whilst smoothing the\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"cost impost on owners of having to fund the full costs of repair upfront.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Understanding water ingress and the financial solutions offered by Lannock is essential for strata communities. Readers are encouraged to reach out to Lannock for consultation on funding options for their water ingress issues.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"WHAT DO OWNER CORPORATIONS NEED TO CONSIDER?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock Strata Finance has also prepared a list below that will help you. It is not definitive, but we hope it will help shape your approach to this insidious issue and assist your ultimate decision-making.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Leak Detection Tests\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Waterproofing consultants perform leak detection tests to replicate water travelling from external sources to the interior of the building. This allows them to identify the source and extent of the issue and determine the necessary repairs. Understandably, owners often do not grasp the scope and impact of water ingress until they see the results of these tests or photo and video reports.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"The Unseen Damage\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The âsilent intruderâ often leaves behind damaged, aging, or insufficiently tarped areas that are typically revealed through photo reports. Owners may be unaware of these issues until they are visually presented with the evidence.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"Certification and legislation\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The introduction of the DBPA has significantly impacted the management and rectification of water ingress issues in strata in NSW. Waterproofing consultants now need to be licenced for works over $5,000, ensuring a higher standard of accountability and quality in waterproofing services.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":4},\"content\":[{\"text\":\"La Niñaâs Impact\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The recurring La Niña weather events have led to a backlog in addressing water ingress issues. The potential recurrence of La Niña, as predicted by weather experts, could lead to persistent wet conditions, further exacerbating existing water ingress issues.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Speak with our strata finance specialists today to see how Lannockâs funding facilities can provide peace of mind.\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"italic\"}]}]}]},\"component\":\"article_text\"}],\"category\":[\"news\"],\"duration\":\"\",\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":120329,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/1464x715/cbb2191417/istock-2111054008.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"$32\"},\"author_icon\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"author_name\":\"\",\"main_author\":\"\",\"postcontent\":[],\"published_at\":\"2024-12-12 02:06\",\"author_override\":\"\"},\"slug\":\"navigating-water-ingress-in-strata-properties\",\"full_slug\":\"au/news-insights/articles/navigating-water-ingress-in-strata-properties\",\"sort_by_date\":null,\"position\":-10,\"tag_list\":[],\"is_startpage\"
1:false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"667e21bc-28a4-4906-a02a-cff13ad4170c\",\"first_published_at\":\"2024-12-11T15:07:34.810Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[{\"id\":170413,\"name\":\"Navigating Water Ingress in Strata Properties\",\"slug\":\"navigating-water-ingress-in-strata-properties\",\"published\":true,\"full_slug\":\"nz/news-insights/articles/navigating-water-ingress-in-strata-properties\",\"is_folder\":false,\"parent_id\":152484}],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"Planning Major Works What gets you the best return?\",\"created_at\":\"2024-12-29T01:20:37.363Z\",\"published_at\":\"2025-02-23T17:51:44.848Z\",\"updated_at\":\"2025-02-23T17:51:44.875Z\",\"id\":148859,\"uuid\":\"48f66874-a144-4d86-a5a5-550df3704e7f\",\"content\":{\"seo\":{\"_uid\":\"5df344d2-17d9-484f-9539-8fa2e9c20d5f\",\"title\":\"The cost of not acting - A decision to not act is still a decision, and one which has its own costs. | Lannock Strata Finance\",\"plugin\":\"meta-fields\",\"description\":\"When discussing how to finance strata work, owners often ask how the Body Corporate can find alignment. An inability to find alignment can lead to the delay of critical work.\"},\"_uid\":\"1ab47f6e-7d3e-481f-be45-ec4210d74b7e\",\"title\":\"Planning Major Works What gets you the best return?\",\"author\":[\"ec3f8ecf-64f0-4260-8fbf-3e107b37cf07\",\"6c911f96-90ff-4822-be4f-911f14316859\"],\"content\":[{\"_uid\":\"63c0a288-61b9-4467-a8fb-af7c123162a0\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Paul Morton, subject expert and founder of Australiaâs leading strata lender, Lannock Strata Finance, shares some insights into how to approach your decision-making for major works projects.\",\"type\":\"text\",\"marks\":[{\"type\":\"italic\"}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"How do you decide which major works project is most appropriate? What are the available sources of funds, and how do you make the best choice? Is the cheapest quote the best quote? How does tax affect your decisions?\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"These are just some of the questions to ask when considering major works. But before we consider your major works, letâs look at a range of reasons you might need to invest in common property works:\",\"type\":\"text\"}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Legal duty to ârepair and maintainâ\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Risk to maintaining insurance cover if property is not maintained\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Occupational Health and Safety considerations\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Reducing legal liability from accidents\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"And reasons you may want to invest in works:\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Return on Investment (ROI) â Increased asset value or increased occupancy rates\",\"type\":\"text\"}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Personal satisfaction (e.g. is this a place I want to live in)\",\"type\":\"text\"}]}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Value in Major Works Projects â Price, Quality and Time\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"We all know the idea of the Project Management Triangle, where achieving equilibrium between speed, cost and quality is impossible. But strata is more complex because everyone will have a different idea of what âvalueâ is. What is important to you? Is it functionality? Is it aesthetics? It is important to consider that you may
1not just wish to replace something that needs replacing, but to also improve it and to improve the return on your overall investment.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"All of this sits alongside the core decision-making matrix for price, quality and time. What if some Body Corporate members value price, others value time and the rest value quality? If not everyone agrees with the decision-making priorities, then you may find the Body Corporate is not aligned on what they value. Getting agreement is extremely hard, so in our experience, it is important to work out the agreed objectives at the very beginning.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"In the Body Corporate, itâs important to have a shared understanding of how youâre looking at ROI. Are you all considering it in post-tax dollars? Or are some Body Corporate members looking at ROI in pre-tax dollars? Taxes can make a big difference to net returns. To avoid misunderstandings and to ensure everyoneâs on the same page about the projectâs value, itâs best to calculate ROI in post-tax dollars. This way, youâre all comparing apples to apples.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Fast, Good, Cheap\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Increasingly we see first-hand the problems caused by the pursuit of âany product at the cheapest priceâ, particularly with the cladding and defects problems across the country. In some cases, different Governments have stepped in to assist, but it all comes back onto the owner.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"You get what you pay for in terms of price, quality and time. Almost everyone focuses on price â and why not! But you donât want cheap and nasty (truth is, you canât actually afford that in the long run), you need to think about value for money. This is where Lannockâs experience becomes useful. It is not just about cost and expense.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"I think we need to replace the words âexpenseâ or âcostâ with the word âinvestmentâ. Whether you are fixing some pavers, replacing your cladding, or putting a penthouse on top, restoring value lost or creating value, you are investing in your property. This helps you to start seeing the opportunity of a return on your investment.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"What else do you need to consider in terms of getting the best value? Should you manage the project yourself/yourselves? Now, this is a tricky part of the decision-making, which has huge potential or unexpected implications â often in cost, time and quality.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Potential project managers are Body Corporate members, members with special interests, your strata manager or a third-party project manager. The challenges of self
1-management include accountability, resource allocation, legal liability, skill requirements and role clarity.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"We often see a lack of good project management which can mean more problems. Understandably, the Body Corporate often feel they can save money, depending on the situation and the Body Corporate, but what if something goes wrong? There is also a legal liability to be considered. And the human impact of stress should not be underestimated, particularly for owners living âon-siteâ in the property.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Whatever you do, we recommend you donât delay your decision when it comes to major works, as delays add significantly to the cost.\",\"type\":\"text\"}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Financial Solutions for Major Works\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock Strata Finance provides flexible funding solutions to alleviate the financial burden on strata communities. These options allow for works to be carried out immediately, avoiding the risk of further damage caused by delay, whilst smoothing the cost impost on owners of having to fund the full costs of repair upfront.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Understanding the challenges of the work you need to be done and the financial solutions offered by Lannock to help you achieve this is essential for individual owners and strata communities.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"We can tailor a flexible funding facility to suit your project-specific needs.\",\"type\":\"text\"}]}]},\"component\":\"article_text\"}],\"category\":[\"news\"],\"duration\":\"\",\"featured\":true,\"no_index\":false,\"component\":\"article\",\"no_follow\":false,\"thumbnail\":{\"id\":116718,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/6653x4435/9f28ada8e9/lannock-strata-finance-committee-member-and-electrician.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"data:image/jpeg;base64,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\"},\"author_icon\":{\"id\":null,\"alt\":null,\"name\":\"\",\"focus\":null,\"title\":null,\"source\":null,\"filename\":\"\",\"copyright\":null,\"fieldtype\":\"asset\",\"meta_data\":{}},\"author_name\":\"\",\"main_author\":\"\",\"postcontent\":[],\"published_at\":\"2024-12-12 01:56\",\"author_override\":\"\"},\"slug\":\"planning-major-works-what-gets-you-the-best-return-\",\"full_slug\":\"au/news-insights/articles/planning-major-works-what-gets-you-the-best-return-\",\"sort_by_date\":null,\"position\":-10,\"tag_list\":[],\"is_startpage\":false,\"parent_id\":148802,\"meta_data\":null,\"group_id\":\"cb7b8599-c6ad-462e-a515-67b2365dd6a2\",\"first_published_at\":\"2024-12-11T14:59:37.797Z\",\"release_id\":null,\"lang\":\"default\",\"path\":null,\"alternates\":[{\"id\":170414,\"name\":\"Planning Major Works What gets you the best return?\",\"slug\":\"planning-major-works-what-gets-you-the-best-return-\",\"published\":true,\"full_slug\":\"nz/news-insights/articles/planning-major-works-what-gets-you-the-best-return-\",\"is_folder\":false,\"parent_id\":152484}],\"default_full_slug\":null,\"translated_slugs\":null},{\"name\":\"NSW Project Remediate | What you need to know\",\"created_at\":\"2024-12-29T01:20:37.363Z\",\"published_at\":\"2024-12-29T01:30:35.201Z\",\"updated_at\":\"2024-12-29T01:30:35.235Z\",\"id\":148813,\"uuid\":\"968f58a7-f473-4f2e-a45c-628681868786\",\"content\":{\"seo\":\"\",\"_uid\":\"ad910fcf-91ba-43d6-a091-398a7c0ddefd\",\"tags\":[{\"_uid\":\"756730db-6f55-4f21-951d-6fd4e0013a26\",\"link\":{\"id\":\"21478245-f6c4-4676-87fb-ebd1662b550a\",\"url\":\"\",\"linktype\":\"story\",\"fieldtype\":\"multilink\",\"cached_url\":\"au/home\"},\"label\":\"INSIGHTS\",\"variant\":\"primary\",\"component\":\"chip\"}],\"title\":\"NSW Project Remediate: what you need to know\",\"author\":[],\"content\":[{\"_uid\":\"b0d41f35-fd2c-4e92-a48f-e82391e1edba\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"heading\",\"attrs\":{\"level\":2},\"content\":[{\"text\":\"Interest-free loan assistance to remediate combustible cladding\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Over recent years, combustible cladding has caused numerous problems in apartment buildings and poses serious risks to building safety and public health.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Combustible cladding is prevalent in many apartment and unit blocks throughout Australia but has more recently come under scrutiny due to the catastrophic outcomes it has caused with fires in apartment complexes.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"In New South Wales (NSW) a ban on combustible cladding came into effect on 15 August 2018. This ban aims to mitigate the risks associated with combustible cladding and seeks to enhance building safety standards across the state.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"type\":\"hard_break\"},{\"text\":\"What is Project Remediate?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Project Remediate\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.nsw.gov.au/departments-and-agencies/building-commission/replace-flammable-cladding-through-project-remediate\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#1155CC\"}},{\"type\":\"underline\"}]},{\"text\":\" is a NSW Government program to help remove combustible cladding on an estimated 225 buildings throughout the State. Project Remediate is a voluntary (opt-in) program to replace flammable cladding for eligible class 2 residential apartment buildings.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"It was first introduced to help owners corporations replace flammable cladding, by providing a 10-year interest-free loan, to allow them to undertake replacement of the cladding sooner rather than later. Because rectifying combustible cladding is a costly exercise, the program is designed to provide an incentive to owners corporations to prioritise the work to be completed in a timely fashion.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"While owners corporations have the option to pay for remediation works through existing funds or special levies, the program recognises the required works will be a financial strain for many, so providing an interest free loan option is a cost-effective and efficie
1nt method to ensure works are completed as soon as possible.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock Strata Finance has been appointed by the NSW Government as the \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]},{\"text\":\"loan service provider for Project Remediate\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.lannock.com.au/services/nsw-project-remediate-interest-free-loan\",\"uuid\":null,\"anchor\":null,\"target\":\"_self\",\"linktype\":\"url\"}},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#1155CC\"}},{\"type\":\"underline\"}]},{\"text\":\". They provide support and guidance to applicants through their dedicated loan relationship managers and customer engagement consultants for the programââââ.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Project Remediate Loan Application Process\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The first step for your owners corporation is to register interest in the scheme. Once an inspection of your building has been completed the owners corporation will be provided with two alternative plans to remove and replace the combustible cladding.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Your owners corporation will need to decide which option to proceed with. The preferred design will be fully documented, quotes for the remediation work will be prepared, and theyâll be offered a fully-priced remediation contract.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\"},{\"type\":\"paragraph\",\"content\":[{\"text\":\"A Lannock Strata Finance relationship manager will then present the loan agreement and explain the loan repayments, terms and conditions, as well as how the funds are to be administered. \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Loan Process Steps\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"ordered_list\",\"attrs\":{\"order\":1},\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Loan information session\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Draft loan contract\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Credit check and in principle pre-approval\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Loan contract based on final cost estimate\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"General meeting approval (of your owners corporation)\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Execute your loan contract\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Remediation works completed\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Interest free repayments commence\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Loan criteria, management and repayment\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"To apply for a Project Remediate interest-free loan, your building must be: \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"a residential apartment building (Class 2) in NSW. This includes multi-use buildings, for example part commercial/part residential\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"confirmed by the Cladding Taskforce to have a high-risk combustible cladding façade that requires remediation.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"An unsecured loan is made to the body corporate (owners corporation) of the building. It is not with individual owners. There are no mortgages, liens, charges, caveats or any registration of interest on the title of the body corporate or on the title of any individual unit. The loan to the owners corporation is serviced by levies from its owners.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The great news is that retrospective provisions have been included in the program for owners corporations that had already initiated steps to remediate their combustible cladding.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"If an owners corporation passed a strata resolution to enter into a contract for cladding remediation work before 30 June 2021, they may be eligible to re
1ceive a lump sum payment equivalent to the interest that the NSW Government would have paid under Project Remediate.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"What happens if levies are not paid or a unit is sold?\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Each owners corporation determines its own policies regarding any unpaid levies by unit owners. \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"If a unit is sold, the loan levy remains with the title of the unit. Therefore the new owners take on the payment of the levy when they buy. Whoever owns the unit at the time the levy is due is responsible for it being paid to the body corporate.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"type\":\"hard_break\"},{\"text\":\"Hardship Assistance Program\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Help is available to individual owner occupiers who are having difficulty paying the extra levies associated with the loan. Project Remediate Hardship Assistance is for those experiencing genuine hardship. You can apply for a period of deferment for the levy payments associated with the repayment of the Project Remediate loan.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"The Hardship Assessor will determine the period of deferment on a case by case basis.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]},{\"text\":\" \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"\"}}]},{\"text\":\"Your Loan Relationship Manager from Lannock Strata can help individuals navigate the application process.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"How to apply\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"There is an online application that will need to be completed and documents that will need to be submitted in conjunction with the application. These documents include \",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"bullet_list\",\"content\":[{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of identity\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of Project Remediate Levy from your owners association\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of acquisition date\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of principal place of residence\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of household income\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of assets\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of liabilities\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]},{\"type\":\"list_item\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Proof of household expenditure\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"If approved youâll be issued with a hardship certificate, valid for the granted period of deferment.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Remember, you will still need to pay the levies, but the payment has been delayed. And because you will be in arrears in your levies to the owner corporation you will be classified as non-financial and n
1ot allowed to vote at a general meeting or strata committee meeting.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"heading\",\"attrs\":{\"level\":3},\"content\":[{\"text\":\"Hardship Assistance Program appeals process\",\"type\":\"text\",\"marks\":[{\"type\":\"bold\"},{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"If you disagree with a decision the Hardship Assessor makes under the Hardship Policy, you can lodge an appeal within 14 business days of receiving the decision.\",\"type\":\"text\",\"marks\":[{\"type\":\"textStyle\",\"attrs\":{\"color\":\"#000000\"}}]}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Your appeal needs to be lodged with the Appeal Body which will consider and decide on your appeal. 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1itle\":\"NSW Government Project Remediate Program\",\"author\":[],\"content\":[{\"_uid\":\"b0d41f35-fd2c-4e92-a48f-e82391e1edba\",\"content\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"The NSW Government will offer interest-free loans to help owners corporations with the cost of rectifying flammable cladding. Lannock Strata Finance will provide the drawdown services for these loans over the next three years.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock Strata Finance was the successful tenderer from a field of specialist finance companies with established expertise in the strata lending market. Lannock is recognised as having the appropriate industry capabilities to provide the loan services for Project Remediate. Â \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Project Remediate Project Director, Tanya OâBrien said: âA key element of this program is the ten-year, interest-free loan to help fund the cost of the remediation work. The program also offers a hardship support framework for those owners who may need help.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"âLannock will provide the customer service interface for these loans and ensure that owners corporations receive the highest possible standard of customer service.â\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lannock CEO Paul Morton said the company looks forward to working with government to support apartment owners to access the funds they need to undertake this important remediation work.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"âLannock will provide a dedicated team to work with strata managers and owners corporations to navigate the loan process, making it as simple, seamless and as stress-free as possible.â Â \",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Tenders are currently being called for a capital provider for Project Remediate.\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"â\",\"type\":\"text\"}]},{\"type\":\"paragraph\",\"content\":[{\"text\":\"Learn more about \",\"type\":\"text\"},{\"text\":\"Project Remediate\",\"type\":\"text\",\"marks\":[{\"type\":\"link\",\"attrs\":{\"href\":\"https://www.nsw.gov.au/building-commissioner/remediate-cladding\",\"uuid\":null,\"anchor\":null,\"target\":null,\"linktype\":\"url\"}}]},{\"text\":\" including how to register your interest.\",\"type\":\"text\"}]}]},\"component\":\"article_text\"}],\"category\":[\"news\"],\"duration\":\"5 Min Read\",\"featured\":false,\"component\":\"article\",\"thumbnail\":{\"id\":116681,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000737/800x450/eaba15f655/63853b55baed8741eb5807a0_project-remediate-p-800.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"data:image/jpeg;base64,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\"},\"subheading\":\"This is a sub heading\",\"author_icon\":{\"id\":110857,\"alt\":\"\",\"name\":\"\",\"focus\":\"\",\"title\":\"\",\"source\":\"\",\"filename\":\"https://a-ap.storyblok.com/f/3000596/48x48/06135bd36c/user.jpg\",\"copyright\":\"\",\"fieldtype\":\"asset\",\"meta_data\":{},\"is_external_url\":false,\"blurDataURL\":\"data:image/jpeg;base64,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\"},\"author_name\":\"John Doe\",\"postcontent\":[{\"_uid\":\"d52937c7-c9db-4af4-be1e-e7ddf499d40e\",\"items\":[{\"_uid\":\"9dbdf821-f57c-49b7-90b2-c23a7719798a\",\"answer\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.\",\"type\":\"text\"}]}]},\"question\":\"What are the benefits to me if the body corporate borrows?\",\"audiences\":[\"owners\",\"strata-managers\",\"suppliers\"],\"component\":\"faq\",\"is_visible\":true},{\"_uid\":\"2797c681-99c3-450e-b153-c729c6d6270d\",\"answer\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.\",\"type\":\"text\"}]}]},\"question\":\"Why should we borrow rather than have a sinking fund or a special levy?\",\"audiences\":[\"owners\",\"strata-managers\",\"suppliers\"],\"component\":\"faq\",\"is_visible\":true},{\"_uid\":\"73f903f5-5e57-42ff-bd45-09df0d651fcc\",\"answer\":{\"type\":\"doc\",\"content\":[{\"type\":\"paragraph\",\"content\":[{\"text\":\"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.\",\"type\":\"text\"}]}]},\"question\":\"What happens if I sell my unit?\",\"audiences\":[\"owners\",\"strata-managers\",\"suppliers\"],\"component\":\"faq\",\"is_visible\":true}
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