Loan Types

  • Non-NCCP (non-coded) registered first mortgages

Loan Sizes

  • From $150,000 to $15,000,000

Loan Terms

  • From 6 months to 2 years

Acceptable Security

  • Residential investment loans (refinance, purchase & cash-out)
  • Commercial property loans (refinance, purchase & cash-out)
  • Land / landbank with or without permit approval
  • Residual stock loans (residential & commercial)
  • Construction / land subdivision / townhouses / houses / commercial
  • Partially completed construction developments
  • Service Stations
  • Childcare Centres
  • Medical Centres
  • Hotels / Pubs & Clubs

LVR

  • Up to 75% LVR - residential investment property
  • Up to 75% LVR - commercial property value (net of GST)
  • Up to 70% LVR - land value (net of GST)
  • Up to 70% GRNV - construction & land subdivision - interest charged on drawn balance & no line fees

Lender Fees

  • Establishment fee - 1.50% + GST
  • Valuation / Legal / Quantity Surveyor fees - at cost

Rates From

  • From 8.25% p.a.

Broker Fee

  • Up to 1.00% + GST or as agreed (paid at settlement)

Repayment & Serviceability

  • Variable or Fixed interest terms
  • Capitalised interest in advance or monthly repayments by Borrower
  • Principal reductions available

Evidence of Servicing

  • Not required - asset based lending

Security Location

  • Australian capital cities / metro areas
  • Major regional cities
  • Outer regional cities considered (population >7,500)

Product Features

  • Past credit issues & ATO repayments acceptable
  • Cash-out loans for business purposes
  • Non-resident applicants welcome
  • Flexible loan terms
  • No line fees
  • No ongoing reviews
  • Fast turnaround times
  • No early exit fees
  • No presales required - maximise your return upon completion