Arbor88, Mont Albert: A Prime Property Development Investment Opportunity

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Letter to Lenders: Rostrevor Project (Arbor 88)

Dear Lenders,

Thank you for your interest in the Rostrevor project, an exciting property development opportunity in the highly sought-after suburb of Mont Albert North, Victoria. We are seeking funding contributions to provide seed capital for this project, and we believe it offers a compelling value proposition for your portfolio.

This project involves the development of two high-end townhouses on a prime 975-square-meter development site. Located in a tranquil, leafy pocket of Mont Albert North, the site is perfectly positioned to capitalize on the area’s strong market fundamentals. Mont Albert North is a quiet, family-friendly suburb with a strong community feel, yet it’s only 13 kilometers from the Melbourne CBD and offers excellent transport links, including easy access to the Eastern Freeway and a robust network of public transport. This combination of suburban charm and urban convenience makes it a highly desirable location for both families and professionals.

The local market is experiencing a period of significant growth driven by low housing supply, a trend that is consistently shown to lead to rising property values. Our plans for this site are to construct two meticulously designed townhouses that will meet the demand for premium, new modern residences in the area. We have an expected cumulative sales value of $7,000,000 for the completed townhouses.

We are currently seeking funding contributions of up to $500,000 to secure this development. Lenders can expect to receive a significant return on investment. We are offering a competitive rate of return of between 12% to 14% per annum, which will be paid upon the completion of the project. This offers an excellent opportunity to generate passive income in a stable and growing market.

We are confident in our ability to deliver a successful outcome for all parties involved. We invite you to consider this unique lending opportunity and look forward to the possibility of partnering with you on the Arbor88 project.

Thank you for your consideration.

James Pastras

Project Highlights

14% p.a.

                                             interest rate

 

 

12 month

investment term

 

 

$100k

min. investment

 

 

residential property

security type

Lender Offer Information – Arbor88

Lender Offer Information — Arbor88

Private Offer
Offer name
Rostrevor
Location
88 Rostrevor Parade, Mont Albert North, VIC
Issuer / Borrower
88 Rostrevor Parade Pty Ltd (ACN: To be registered)
Purpose
Raise funds for intial project costs
14% p.a.
Rate of return
On completion
Distributions
~12 months
Target term
$100,000
Minimum investment

Close date: On receipt of required funds. Expected to conclude November 2026 (subject to achieving targeted 12‑month term).

Project Overview

  • Construction of 2 × 4‑bedroom townhouses.
  • Exit strategy: Sale of completed townhouses to return investor capital.

Investment Structure

Lender funds will be advanced under a loan agreement to the proprietary company that owns the development project.

Distributions & Delay Compensation

  • Distributions: Paid on completion and settlement of the townhouses.
  • Delay compensation: 14% p.a. pro‑rata for any approved extension to the term.

Risks & Risk Mitigation

The loan involves construction and market risks, among others. For a comprehensive understanding of the risks and mitigants, we strongly recommend you seek independent legal, financial, and tax advice. The information provided is for general purposes only and should not be considered a substitute for professional counsel.

Key Dates

  • Close: On receipt of required funds.
  • Target term: 12 months.
  • Expected conclusion: November 2026.

Disclaimer: This is a summary only and does not constitute financial product advice or an offer to the public. All figures are indicative and subject to change. Participation is limited to eligible, sophisticated or wholesale investors in accordance with applicable law. Investors should rely on the full Information Memorandum and seek independent advice.

Investment Structure

 

The legal structure of this project is a Special Purpose Vehicle (SPV) company which owns the development site. The SPV company is named 88 Rostrevor Parade Pty Ltd.

Investors who loans funds to the project will receive a legal binding contract stating the terms as described in the Lender Offer Information.

Development Process Flow — Investor Snapshot

1

Growth Syndicates Australia

Developer

Origination & site selection. Investment manager and sponsor.

2

Arbor 88 (SPV)

Residential Title / Private Company

Special Purpose Vehicle created to manage the project and investor funds.

3

Lender(s) & Construction Loan

Seed Funding + 1st Mortgage

Senior construction funding is secured to complete the build.

4

Builtfast Homes

Builder

Turnkey construction — staging, milestones, and quality controls.

5

Project Completion

Exit / Handover

Sale or refinance; investor distributions and wrap-up reporting.

Process Overview

1
Site Assessment & Selection

GSA performs a comprehensive assessment — zoning, valuation, site risk, and returns analysis before acquisition.

2
Project Entity Establishment

Formation of the Project SPV (Arbor 88) to ring-fence the project, streamline investor reporting, and manage liabilities.

3
Funding Secured

Seed investors and senior lenders come on board to fund acquisition, early works and to underpin construction financing.

4
Construction Phase

Builtfast Homes delivers according to contract milestones, with independent inspections and milestone-based drawdowns.

5
Construction Funding

1st mortgage facilities are used to complete construction. Exit strategy executed on completion: sale or refinance.

Want the full investment pack (IM, projected returns, timelines)? Request the Information Memorandum.

The Investment Structure

Your funds are issued to a special purpose vehicle (SPV) through a secured loan agreement. This means the loan is secured against the SPV’s primary asset, which is the development site itself. The interest payments the SPV makes on this loan are what provide your returns.

This structure collectively secures all loaned capital against the development site. In the unlikely event of project failure or insolvency, the primary lender can sell the SPV’s assets (the development site) to recover the loaned capital. If the worst-case scenario occurs, a priority payment scheme ensures lenders can receive their funds back. The interest rate you receive reflects the lien position of the loan, ensuring your return is commensurate with its security.


Management and Oversight

The SPV also enters into a Management Agreement with Builtfast Homes, which will act as the project manager. In this role, Builtfast Homes is responsible for overseeing the entire development on behalf of the company and the lenders. This includes, but is not limited to:

  • Administrative tasks: Handling all necessary administrative work to complete the project.

  • Design and planning: Appointing and working with town planners, architects, land surveyors, and engineers to finalize development plans.

  • Approvals: Submitting plans to the council and securing all required approvals.

  • Legal representation: Representing investors in civil tribunals related to the project, if necessary.

  • Financing: Obtaining a lender to fund the construction.

  • Sales: Managing the sale of the completed properties, either in-house or by appointing a realtor.

This investment structure is used because it provides robust protection for lenders while allowing us to manage the development in a timely and efficient manner, in line with investor expectations.

Development
Project Information.

Every detail has been thoughtfully considered to create an atmosphere of effortless sophistication. From the moment you arrive, you’ll feel a sense of calm and tranquility, a quiet retreat where luxury isn’t just seen, it’s felt in every texture and space.

Project
Financials.

PROJECT FEASIBILITY REPORT

Mont Albert Duplex Development

Date: September 2025
Project Type: Residential Dual Occupancy Duplex Development
Location: Mont Albert  Melbourne, Victoria
Report Status: Indicative Feasibility Analysis

 


EXECUTIVE SUMMARY

This feasibility study evaluates a proposed duplex development in Mont Albert, comprising two identical units with a total gross development value of $7.0 million. The analysis indicates a viable project with strong financial returns, delivering a 27% development margin and gross profit of $1.78 million.

 

Key Financial Highlights:

  • Net Project Value: $6.51 million (after GST)
  • Total Development Costs: $4.73 million
  • Gross Profit: $1.78 million
  • Development Margin: 27%
  • Developer Equity Required: Committed $430,000

 

Recommendation: PROCEED – The project demonstrates strong financial viability with attractive returns above industry benchmarks.

Project Rationale

A detailed analysis of the project’s financial viability. It outlines the rationale for key financial projections and is broken down into the following sections:

Key Financial Components

  • Income: The primary source of project profit will be from the sale of the completed townhouses. There will be no revenue generated during the project’s development phase.

     

    Development Costs:

    This section covers all expenses related to the project. The figures are early estimates based on typical market rates and include:

     

    • Project Manager Fee: A fee paid to Growth Syndicates Australia by the Special Purpose Vehicle (SPV). Paid at Sale / Settlement of the properties and after Lenders are fully paid out including Loan and Interest.

    • Construction Items: Initial cost estimates provided by our Builtfast Homes team, based on average market rates per square meter.

    • Selling Fees: The fees charged by a real estate agent to sell the completed properties, based on average industry rates.

    • Finance Requirements: Lending is generally capped at 75% Loan to Value Ratio.

     


Returns and Profitability

  • Investor Loan Payout: Total Mezzanine Loan Amount plus Interest calculated on full length of the project up to settlement.

  • Gross Profit: The total profit the project is expected to generate.

  • Development Margin: The project’s profit expressed as a percentage of the Net Realised Sales figure.

  • Developers Equity Amount: The amount the Developer/Builder has at risk in the project.  Includes Building Margin and Project Management Fees..

  • Margin on Equity: The project’s profit expressed as a percentage of the total investor capital.

Mont Albert Duplex Feasibility Report

Mont Albert Duplex Development

Feasibility Analysis Report

Executive Summary

$7.0M
Gross Sales Revenue
$4.73M
Total Development Costs
$1.78M
Gross Profit
27.4%
Development Margin
Key Project Metrics
Project Type2 x Premium Duplex Units
LocationMont Albert, Melbourne
Total Internal Area600 sqm (300 sqm per unit)
Sale Price per Unit$3,500,000
Price per sqm$11,667
Development Margin27.4%
Return on Equity414%

Recommendation: PROCEED

Strong financial returns with 27.4% development margin exceeding industry benchmarks of 15-20%. Premium location supports pricing strategy.

Project Overview

Development Specifications
ComponentDetailsNotes
Units2 x DuplexPremium residential
Total Internal Area600 sqm300 sqm each unit
Sale Price per Unit$3,500,000$11,667/sqm
Construction Cost$2,333/sqmCompetitive rate
Project Timeline12 monthsConstruction + approvals

Revenue Analysis

$7.0M
Gross Sales
$490K
GST Payable (7%)
$6.51M
Net Revenue
Revenue Breakdown
Revenue SourceAmount% of Total
Gross Sales Revenue$7,000,000100.0%
Less: GST($490,000)-7.0%
Net Project Revenue$6,510,00093.0%

Development Costs

$3.99M
Construction & Land
$611K
Finance Costs
$128K
Marketing & Sales
Acquisition and Construction
Cost CategoryAmount% of Total
Purchase Price$2,200,00046.5%
Stamp Duty$121,0002.6%
Construction Cost$1,400,00029.6%
Contingency (5%)$70,0001.5%
Project Management$150,0003.2%
Planning & Permits$25,0000.5%
Demolition$25,0000.5%
Subtotal$3,991,00084.4%
Marketing and Sales
Advertising$17,5000.25% of gross sales
Real Estate Agent$105,0001.5% of gross sales
Legal Fees$5,000Transaction costs
Subtotal$127,5002.7%
Finance Costs
Senior Mortgage (67%)$525,90012.0% interest
Investor Loan (8%)$70,00014.0% interest
Referral Fees$15,0003.0%
Subtotal$610,90012.9%

Financial Summary

$6.51M
Net Revenue
$4.73M
Total Costs
$1.78M
Gross Profit
27.4%
Margin
$430K
Equity
Complete Financial Summary
MetricAmount% of Revenue
Gross Sales Revenue$7,000,000100.0%
Less: GST($490,000)-7.0%
Net Project Revenue$6,510,00093.0%
Total Development Costs($4,729,400)-67.6%
Gross Profit$1,780,60025.4%
Development Margin27.4%-
Developer Equity Required$430,0006.1%

Industry Benchmark Comparison

Performance vs Industry Standards
MetricProjectIndustry BenchmarkRating
Development Margin27.4%15-20%Excellent ✓
Construction Cost/sqm$2,333$2,000-2,500Good ✓
Sales Price/sqm$11,667$8,000-12,000Premium ✓
Finance Cost %12.9%10-15%Acceptable ✓
Marketing Cost %1.8%2-4%Efficient ✓

Market Information

3/84 Balwyn Road, Balwyn,

$3,650,000

4

4

4

11 Vivianne Ave, Mont Albert North,

Indicative price: $3,600,000 – $3,900,000

5

5

2

91 Rostrevor Parade, Mont Albert North

$4,000,000

4

4

4

The Mont Albert Market Advantage

Mont Albert consistently ranks as one of Melbourne’s most exclusive and expensive suburbs for housing. Its median house price is significantly higher than the median for Greater Melbourne, placing it in a premium category.

This high ranking is a reflection of several factors:

  • Desirable Location: Its close proximity to the CBD and prestigious private schools.

  • Property Type: The suburb is dominated by large, period-style family homes on generous blocks of land.

  • Affluence: The high median household income of residents supports a premium property market.

     

In short, Mont Albert is considered a top-tier residential suburb in Melbourne’s property market, making it one of the most expensive and tightly held locations in the city’s eastern suburbs.

Key Characteristics and Features

Mont Albert is an affluent, residential suburb located about 12 kilometers east of Melbourne’s Central Business District (CBD) in Victoria, Australia. It is well-regarded for its peaceful, family-friendly atmosphere and a blend of historic charm and modern convenience.

  • Tree-Lined Streets and Architecture: The suburb is distinguished by its wide, tree-lined streets and a mix of elegant architecture. It is particularly known for its beautifully preserved period homes, including Edwardian and Victorian residences, which sit alongside contemporary townhouses and apartments.

  • Village Lifestyle: Mont Albert has a charming local shopping strip known as “Mont Albert Village,” located along Hamilton Street. This small village offers a selection of boutique shops, cafes, and essential services, fostering a tight-knit community feel.

  • Parks and Green Spaces: Residents enjoy access to several green spaces, including Kingsley Gardens and Mont Albert Reserve, which are popular spots for recreation and relaxation. These parks contribute to the suburb’s tranquil and picturesque environment.

  • Transport: The suburb has excellent transport links, making it a desirable location for commuters. The Mont Albert railway station, though now amalgamated with Surrey Hills station into the modern Union Station, provides direct train access to the CBD. An efficient network of buses and trams also services the area.

  • Demographics: Mont Albert is a highly sought-after suburb for families, professionals, and retirees. Its residents are generally well-educated, with a high proportion of people holding a bachelor’s degree or higher. The median household income is significantly above the national average, reflecting the suburb’s affluent status.

  • History: The area’s history dates back to the mid-19th century. Its name is believed to be inspired by Queen Victoria’s consort, Prince Albert. The development of the suburb was closely tied to the railway line, with the original Mont Albert Station playing a key role in its growth as an upper-middle-class residential area. The original heritage-listed station building, restored in 2023, is a local landmark.

Location and Connectivity

  • Proximity to Melbourne’s CBD: Situated just 12 kilometers east of the city, Mont Albert offers a convenient commute for professionals working in the city center.

  • Public Transport: The suburb is well-serviced by public transport. The Union Station provides direct train access on the Belgrave and Lilydale lines, while an extensive network of buses and trams runs along major roads like Whitehorse Road, connecting residents to surrounding suburbs and broader Melbourne.

  • Road Network: For motorists, the Eastern Freeway is just a short drive away, providing quick access to the CBD and other parts of the city.

 

Amenities

  • Shopping and Dining: The heart of the suburb is the charming Mont Albert Village on Hamilton Street. This boutique shopping strip features a variety of gourmet cafes, restaurants, and specialty shops. For more extensive retail options, residents are a short drive from major shopping centers like Box Hill Central and Westfield Doncaster.

  • Parks and Recreation: Mont Albert is known for its beautiful green spaces. Kingsley Gardens and Mont Albert Reserve are popular spots for picnics, leisurely walks, and outdoor activities. Nearby, residents can also access the Koonung Creek Trail for walking, running, and cycling.

  • Education: The suburb is a draw for families due to its access to quality education. It is home to Mont Albert Primary School and is in close proximity to other well-regarded public and private schools, including Box Hill Senior Secondary College and the private institutions of neighboring suburbs.

  • Healthcare: Mont Albert is conveniently located near the medical hub of Box Hill, providing residents with easy access to Box Hill Hospital and a range of other health services.

Our Development Team…

The precision-manufacturing division of Growth Syndicates Australia

Our state-of-the-art factory assembly model slashes on-site labour requirements by up to 40%, translating into faster delivery and significant savings passed directly to homeowners and investors. In just its first year, Builtfast Homes will double GSA’s output capacity meeting surging demand for quality housing without compromising on craftsmanship or sustainability.

A collaboration of dedicated property professionals

Growth Syndicates Australia brings together property professionals to deliver high-end residential developments with exceptional returns for investors. Our motto says it best: “Don’t just own an apartment—own a share of the entire building.” This proven approach has helped investors achieve results far beyond the ordinary. Founded in 2016, with offices in Melbourne and Sydney, we’re founder-owned, profitable, and built on compliance and licensed expertise. Whether you’re a seasoned investor or just starting out, we help you invest with purpose and grow with confidence.

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