NSW Property Intelligence

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Zoning, planning controls, site constraints and development potential — sourced live from the NSW Planning Portal.

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Zoning, planning controls, overlays and development potential — free.
Reference — published averages
DA assessment times — NSW
CDC — statutory determination period 10–20 days
DA — avg assessment (Blacktown) 122 days
DA — avg assessment (Parramatta) 94 days
DA — avg assessment (Liverpool) 118 days
Assessment days = time from DA acceptance to determination. Does not include preparation or lodgement time. Actual times vary by complexity, referrals and requests for information. CDC 10–20 day period is statutory (EP&A Reg 2021) — total project time is longer.
NSW Dept of Planning — Council League Table ↗, September 2026.
Reference
Build cost benchmarks — NSW Oct 2026
Secondary dwelling (granny flat) $110k – $220k
Dual occupancy $550k – $950k
Townhouses (3–4 dwellings) $1.1M – $2.2M
Construction cost / m² $2,400 – $3,800
Excl. GST, statutory fees and finance. Add 10–15% contingency. Verify with a builder before committing.
Reference
Key statutory costs — NSW
S7.11 contributions (per lot)
$14k – $28k
Varies by council
CDC certifier fee
$2,500 – $4,500
Dual occ / townhouse
Surveyor (ID + strata)
$3,500 – $8,000
After construction
Development finance
7.2 – 9.5% p.a.
Non-bank · residential dev
Free resource
Central Coast NSW — Market Insights
Suburb prices, DA approvals, planning controls and risk factors. Updated October 2026.
Read guide →

Preliminary feasibility analysis only. Not licensed planning, legal or financial advice. Data sourced from NSW Planning Portal and SEED Spatial Data Exchange under CC BY 4.0. Flood data may lag council updates — disclosed in all reports. Terms

SiteScope

NSW property development feasibility. Data-driven, human-reviewed.

Data sources & attribution

Planning data sourced from the NSW Planning Portal and NSW Department of Planning, Housing and Infrastructure under Creative Commons Attribution 4.0 (CC BY 4.0) © State of New South Wales. Hazard overlays sourced from the NSW Spatial Data Exchange (SEED). Cadastral data sourced from NSW Land Registry Services. Flood data reflects the central NSW dataset — council-level updates may vary and are disclosed in reports. SiteScope is not affiliated with or endorsed by the NSW Government.

© 2026 SiteScope · NSW, Australia · ABN available on request  ·  All content, reports, methodologies, scoring algorithms and software are the intellectual property of SiteScope and may not be reproduced without written permission.  ·  SiteScope provides preliminary feasibility information only. Reports do not constitute licensed planning advice, legal advice, financial advice or a formal property valuation. Always engage a qualified town planner, architect, conveyancer and legal adviser before making any development or investment decision.

NSW · Oct 2026

SiteScope
Analysing property
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NSW Planning Portal · NSW Land Registry · Hazard Overlay
Data under CC BY 4.0
Quick Analysis FREE
Property address
82/100
High Potential

This property looks suitable for multi-dwelling development, subject to further investigation.

Likely development potential

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Build costs, profit margin, DA/CDC pathway, comparable sales and risks — reviewed by the founder.
Property details
620 m² 20.1 m 30.8 m STREET

Illustrative boundary diagram · Not to scale

Lot metrics

Location intelligence — proximity to transport, schools, services and amenities — coming in the next update.

Planning & zoning
R2
Low Density Residential

Key controls at a glance

Key DCP requirements

Development options
Costs & financials

Figures are estimates only. Detailed due diligence, professional advice and council approval required. All amounts in AUD excl. GST.

Result summary

Adjust assumptions

Profit sensitivity — sale price variance
Sale price movementTotal GRVEstimated profitMargin
Project timeline

Project phases

Estimated total timeframe

14 – 24 months

From purchase to completion

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DA / CDC workspace
14 Morrow Street, Blacktown NSW 2148
In preparation
Approval pathway
CDC
Complying Development Certificate — private certifier
Min. timeframe
20 days
Typical cost
$3–5k
Who approves
Private certifier
Neighbour notice
Not required

What happens next

1
Get a title search and s10.7 certificate
Order a full title search from NSW Land Registry (~$30) and an s10.7(5) Planning Certificate from council (~$150). These confirm the exact planning rules that apply to the lot. Do this before spending money on design.
2
Engage a private certifier for a pre-lodgement check
A certifier can tell you upfront whether your proposed development will comply with the SEPP (Codes) standards. Most charge $500–$1,500 for this initial review. It saves time and money before committing to full architectural drawings.
3
Commission a boundary survey
A licensed surveyor confirms the exact lot boundaries, area and levels. Critical for verifying that the lot meets minimum size, frontage and setback requirements. Expect $1,500–$3,500 for a residential survey.
4
Engage an architect or draftsperson for design
Once you have certifier feedback and survey, engage an architect or building designer. CDC drawings are less complex than DA drawings — a competent draftsperson can often handle this at lower cost.
5
Lodge the CDC application
The certifier lodges the application on your behalf with a complete document set. The certifier must determine the application within 20 business days. Approval is non-negotiable — if it complies, it must be approved.
SiteScope tip: The biggest mistake first-time developers make is commissioning full architectural drawings before engaging a certifier. A pre-lodgement certifier check costs a fraction of full design fees and can save months of rework.
Document checklist — CDC application
Tick off as you collect each document. Your certifier may require additional items specific to your site.
0 / 13
completed
1 — Site information
Full title search — NSW Land Registry Services
Confirms current ownership, registered encumbrances, easements, covenants and restrictions on use. Order online at nswlrs.com.au. Check for drainage easements (typically 1.5–3m wide), right of carriageway, and building line restrictions — all affect where you can build.
~$30 onlineOrder first — before engaging any consultantsnswlrs.com.au →
s10.7(5) Planning Certificate
The definitive legal record of all planning controls applying to the lot — zones, overlays, LEP provisions and council policies. The (5) certificate includes all known constraints. Order from council's website or in person. This supersedes any informal planning check, including SiteScope's free scan.
$53–$150 from councilAllow 5–10 business daysplanningportal.nsw.gov.au →
Registered boundary survey (identification survey)
A licensed surveyor physically pegs the lot boundaries and confirms the exact area, frontage, dimensions and ground levels. Critical for verifying that the lot meets minimum size and frontage for the intended development. Also identifies any encroachments. Must be a registered surveyor.
$1,500–$3,500Allow 2–3 weeks
Site contour and levels plan
Shows existing ground levels across the site. Used by the architect to design cut and fill, by the hydraulic engineer for stormwater, and by the structural engineer for footing design. Usually combined with the boundary survey. Especially important on sloping sites — earthworks can add $20,000–$80,000+ to project costs.
Often included with surveyConfirm scope with surveyor
Sydney Water pre-design report
Confirms the location of water, sewer and stormwater mains relative to the lot. Essential for understanding connection costs and any assets that cannot be built over. Order via Sydney Water Tap in portal. Can affect lot layout — a sewer main through the rear may limit where you build.
Free via Sydney Water Tap in1–3 business daystapin.sydneywater.com.au →
2 — Design documentation
Architectural drawings — site plan, floor plans, elevations, sections, shadow diagrams
Must demonstrate compliance with all SEPP (Housing) non-discretionary standards — setbacks, building envelope, height, landscaping, car parking, private open space. Shadow diagrams are required for CDC applications. All drawings must be to scale and dimensioned. A certifier cannot approve inadequate drawings.
$5,000–$18,0004–10 weeks from briefing to lodgement-ready
BASIX certificate
NSW Building Sustainability Index certificate — mandatory for all new dwellings and alterations over $50k. Verifies the design meets sustainability targets for water, thermal comfort and energy. Generated online via the BASIX portal at basix.nsw.gov.au. Must be done after floor plan is finalised — any design change requires a new certificate.
~$50 onlineValid for 3 years from issue datebasix.nsw.gov.au →
Statement of environmental effects (SEE)
A brief document explaining how the proposed development meets the relevant planning controls and development standards. For CDC this is straightforward — it demonstrates point-by-point compliance with SEPP standards. Usually prepared by the certifier, town planner or architect as part of their fee.
Often included in certifier or planner fee
3 — Engineering reports
Structural engineering drawings and specifications
Required for footings, slabs, wall framing, roof structure and any structural elements. Must be prepared by a NPER-registered structural engineer. The engineer issues a Certificate of Design Compliance for the structure. Geotechnical conditions significantly affect footing design and cost — poor ground can add $10,000–$30,000.
$2,000–$6,000Allow 2–4 weeks after architectural drawings finalised
Hydraulic and stormwater drainage plan
Shows how stormwater is collected, detained and discharged from the site. NSW councils require on-site detention (OSD) for most new dwellings. The hydraulic engineer specifies the detention tank size. Must be consistent with Sydney Water's infrastructure location. On-site drainage infrastructure typically adds $5,000–$15,000 to construction cost.
$1,500–$3,500Coordinate with structural engineer
NatHERS energy efficiency report
National House Energy Rating Scheme assessment — required under BASIX and the National Construction Code (NCC 2022) for new dwellings. Verifies the thermal performance of the building envelope. Must achieve minimum star rating (7 stars NCC 2022). Prepared by an accredited NatHERS assessor using software such as FirstRate or Accurate.
$300–$600 per dwellingRequired before BASIX certificate can be finalisedFind NatHERS assessor →
Geotechnical / soil investigation report (if applicable)
Required where there is fill, reactive clay, a sloping site, proximity to a watercourse, or any indication of unusual soil conditions. A geotechnical engineer drills boreholes or test pits and classifies the site. Tells your structural engineer what footing system to specify. Skipping this on a risky site can result in major cost variations during construction.
$1,500–$4,000Site-specific — get quote based on site conditions
4 — Statutory compliance and insurance
Principal contractor licence or owner builder permit
Required before a Construction Certificate can be issued. If using a builder: your builder must hold a valid contractor licence and provide their licence details. If owner building: you must obtain an owner builder permit from Service NSW (only available for your own home, not investment properties). Check the builder's licence at onlineregister.fairtrading.nsw.gov.au.
Builder licence: free · Owner builder permit: $60Check licence →Owner builder permit →
Home Building Compensation Fund (HBCF) certificate of insurance
Mandatory for all residential building work valued over $20,000 in NSW. Protects the homeowner if the builder dies, becomes insolvent or disappears. Your builder applies for this through the HBCF. You must sight the certificate before signing the building contract. Invalid or absent HBCF cover is a red flag for the builder's financial position.
Approx. 0.75–2% of contract valueBuilder's obligation — verify before contract signingicare HBCF →
Long service levy receipt
NSW statutory levy payable on all building and construction work over $250,000. Rate is 0.35% of the total project value including GST. Pay online at longservicelevy.nsw.gov.au — receipt must be provided to the certifier before the Construction Certificate is issued. Non-payment delays the CC and therefore construction start.
0.35% of project cost (inc. GST)Pay online — instant receiptlongservicelevy.nsw.gov.au →
CDC — Complying Development
What it is: A fast-track approval for standard development that meets a fixed set of rules. No council involvement.
Who decides: A private certifier — not council. Decision must come within 20 business days.
Neighbour notification: Not required for most CDC applications.
Can council refuse it? No — if your development complies with the standards, approval is guaranteed.
Best for: Secondary dwellings (granny flats), dual occupancies, low-rise housing on lots that clearly meet all standards.
Typical cost: $2,000–$5,000 certifier fee
Timeframe: As little as 20 business days
DA — Development Application
What it is: A merit-based application assessed by the council planning department.
Who decides: Council — a planner assesses your application against the LEP and DCP. May go to a planning panel for larger projects.
Neighbour notification: Required — neighbours have 14 days to make submissions. Submissions can delay or complicate assessment.
Can council refuse it? Yes — council can refuse, impose conditions or request redesign.
Best for: Sites that don't comply with CDC standards, heritage areas, complex or larger developments.
Typical cost: $5,000–$25,000+ in consultant fees plus council application fee
Timeframe: 40–220 days (council-dependent)

How to choose

Use CDC if: your lot clearly meets the minimum size and frontage, the development type is straightforward (granny flat, dual occ, single dwelling), and there are no heritage, flood or bushfire overlays that restrict CDC use.
Consider DA if: you're in a Heritage Conservation Area, the lot doesn't quite meet CDC standards, or you want more design flexibility than CDC allows.
Pro tip: Even if your lot looks CDC-eligible, engage a certifier for a $500–$1,500 pre-lodgement review before spending on design. Certifiers find non-compliance issues that a zone check alone cannot detect.

Typical milestone timeline for a CDC dual occupancy — start to occupation certificate. Straightforward sites in a good zone can move faster; complex or constrained sites will be slower. Use this as a planning guide, not a guarantee.

CDC total timeline
14–18 months
Pre-purchase to OC
vs DA equivalent
18–30 months
DA adds 6–12 months
Week 1–2 Due diligence
—Order title search from NSW LRS and s10.7(5) certificate from council
—Confirm zone, overlays, lot area and frontage against CDC eligibility criteria
—Review title for easements, covenants and building line restrictions
—Run preliminary feasibility — build cost estimate, end value, profit margin
—Check flood, bushfire and heritage overlays on NSW Planning Portal and council maps
Week 2–4 Pre-design checks
—Engage a private certifier for a pre-lodgement compliance check ($500–$1,500)
—Commission boundary survey and site levels ($1,500–$3,500 — allow 2–3 weeks)
—Obtain Sydney Water pre-design report — confirms utility locations (free, 1–3 days)
—Order geotechnical investigation if site has fill, slope or reactive clay ($1,500–$4,000)
—Brief architect or draftsperson — provide survey, certifier feedback and development brief
Week 4–12 Design and documentation
—Architectural drawings produced — site plan, floor plans, elevations, sections, shadow diagrams
—NatHERS energy efficiency assessment completed ($300–$600 per dwelling)
—BASIX certificate generated online once floor plan is finalised (~$50)
—Structural engineering drawings and specifications prepared ($2,000–$6,000)
—Hydraulic and stormwater drainage plan prepared ($1,500–$3,500)
—Statement of environmental effects (SEE) prepared — demonstrates CDC compliance
—Certifier reviews draft documentation for compliance — iterate on design if needed
Week 12–14 Lodge CDC application
—Certifier assembles complete document package and lodges on NSW Planning Portal
—Application fee paid — usually included in certifier's overall fee
—Certifier must determine the application within 20 business days (statutory obligation)
—No neighbour notification, no council involvement — determination is non-discretionary
Week 14–18 CDC approval and construction prep
—CDC issued — if compliant, approval is guaranteed (certifier has no discretion to refuse)
—Review conditions of consent — note any pre-CC conditions that must be satisfied first
—Commission Construction Certificate (CC) from certifier — required before construction starts
—Pay long service levy online (0.35% of project cost) — receipt required for CC
—Confirm builder's HBCF insurance certificate is in place before signing construction contract
—Sign HIA construction contract with licensed builder — confirm start date
Month 4–18 Construction and occupation
—Demolition (if required) — separate DA or CDC may be needed for demolition in some LGAs
—Construction commences — certifier inspects at mandatory critical stages
—Critical stage inspections: footings, slab, frame, waterproofing, stormwater, final
—Sydney Water connection application lodged and completed by licensed plumber
—Final inspection completed — certifier issues Occupation Certificate (OC)
—Strata subdivision plan registered with NSW LRS if creating separate lots (allow 4–8 weeks)
—Settlement, valuation or lease commencement once OC issued
Note on timing: These are typical durations for a straightforward CDC. Delays most commonly occur at design stage (under-briefed architect), engineering coordination, and obtaining the Construction Certificate. A well-managed project with an experienced team can compress these timelines significantly.
My projects
Track your active developments from feasibility to completion
DO
14 Morrow St — Dual Occupancy
Blacktown NSW · R2 Low Density · 620 m²
CDC prep
Pre-DA spend
A$12,400 of A$1,480,000
Site analysis Feasibility CDC prep Design Construction
3 of 13 docs ready
TH
88 Macquarie St — Townhouses
Parramatta NSW · R2 + TOD overlay · 480 m²
Research
Pre-DA spend
A$450 of A$2,200,000
Site analysis Feasibility Survey CDC/DA Design
Verifying frontage — survey pending
GF
22 Gladstone Ave — Granny Flat
Hunters Hill NSW · R2 Heritage area · 850 m²
On hold
Heritage Conservation Area — CDC pathway not available. Project on hold pending heritage pre-DA meeting with Hunters Hill Council. Consider secondary dwelling via DA.
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Project detail
—
Active
Property calculators
Australian tax rates and APRA buffer applied. Estimates only — verify with your lender.

Applicants

$
$
Banks typically shade rental income to 80% of gross

Existing liabilities

$
$
Banks count 3% of credit card limit as a monthly commitment regardless of balance

Loan settings

6.50%
APRA buffer of 3% will be added for assessment (current assessment rate: 9.50%)
Investment loans typically carry a 0.3–0.6% rate premium
Estimated borrowing capacity
$850,000
Monthly P&I repayment at actual rate: $5,231

How this is calculated

Buying costs — NSW

Loan details

$

Extra repayments & offset

$
$
Reduces the principal on which interest is charged
Monthly repayment
$4,742
Total repaid
$1,707,120
Total interest
$957,120

Scenario comparison

Amortisation schedule

Project costs

$
$
$

Finance structure

Construction lenders typically cap at 65–75% of Total Development Cost (TDC). Banks go to 80% on residential refinance.
Construction loans: 7.5–10%. Mezzanine: 12–20%. Standard residential: 6–7.5%.
Progressive draw-down: interest charged only on funds drawn. Reduces total interest cost.
Development loan amount
$1,484,000
70% of $2,120,000 TDC

Finance summary

Interest cost breakdown

Important: Development finance terms vary significantly by lender, location, pre-sales and borrower experience. These figures are estimates only. Engage a finance broker with development experience before committing to a site.