l have a home financing question please ?

How is everyone.
9 mths ago we bought a 6 ac and house property . The subdevision wasn’t due finanalised until Mid 06 so we have a contract and a 10% deposit on it and moved on with a licence agreement until the devision comes through and were told we can treat it as our own , start any improvements whatever !
So we moved on and have begun doing things which has made a hell of a difference to the place already and l’m sure it’s value would be up 40 or 50,000 now on what we are paying .
How much punch will all that carry with the homeloan application , the improvements , living here over 12 mths , the deposit , contract the whole deal .
lt is zoned rural and l may also need a no doc which from what l’ve found is normally a 20% deposit especially on rural .
We are hpoing all of the above will get us out of the 20% and we will be able to get our home loan on the 10% we have already put down .
Wondering what you think the chances would be .
lt is our second home , good CR plus references from previous home loan along with everything above involved with this new place . By then we would have been on it and working on it 16 mths give or take .We also have a Commnwealth and National 7 mins up the road , l thought they might even be worth a shot seens they’d be lending locally all the time .
Any info appreciated .
Cheers.
Max