Which One Is Right For Your Site?

The honest answer depends on three things.

Your equity position. If you have $400,000 to $500,000 in equity, a duplex is financeable through standard residential lending. A manor house needs $700,000 to $900,000 minimum as an equity contribution to satisfy commercial lenders.

Your timeline. If you need to complete and sell within 12 to 14 months, duplex is your path. If you have 18 to 22 months available, the manor house margin justifies the extra time.

Your site. Not every site suits a manor house. You need 600sqm minimum, at least 12 metres of frontage, and you must be within 800 metres of a nominated station. Check the NSW Planning Portal before you assume your site qualifies.