Property-backed finance for your clients
Submit the transaction details for credit assessment. Include the proposed use of funds, security, existing debt, repayment plan and any settlement deadline.
Direct lines to credit.
Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation.
Direct line to credit, not a queue
Same desk that reads the file decides the file. No BDM-as-front-end / credit-as-back-end ping-pong.
Real underwriting on policy edge cases
Recently self-employed, ATO arrears with a plan, mixed-use security, complex group structure. We underwrite the deal, not the formula. If we can't fund it, you'll know why.
What needs a conversation first.
Archer does not publish a decline list, because there is no deal shape that is an automatic no. What follows are the cases where a call to your BDM before submission saves everyone time, and where the answer may be that another lender fits better.
Rural and agricultural security
Rarely funded. Not an automatic no, but worth a call before you put a client through an application.
Under the minimums
Facilities start at $250,000 for a first mortgage and $100,000 for a second. Below that, a conversation about structure is more useful than a submission.
Standalone caveat facilities
A caveat is taken as additional security alongside a registered first or second mortgage, not written on its own. Most files presented as a caveat need are written cleaner as a registered second mortgage.
Anything else, submit it. The credit team would rather read a file that turns out not to fit than have a broker decide on our behalf. All lending is subject to credit assessment and approval.
Three steps from paste to settled.
Paste the scenario.
Plain language. Borrower entity, security suburb + estimated value, what the loan is for, exit. No 14-page application form to populate before you get a view.
Indicative terms.
Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation.
Settlement.
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry. We brief your borrower's solicitor, run the val panel, and book settlement once docs are out.
Pricing by security and LVR.
Standard tiers shown. Higher-LVR tiers marked “special approval” require credit committee sign-off. Final pricing depends on security quality, sponsor and exit.
Houses, units and apartments.
- up to 70% LVR7.99%
- up to 75% LVR8.49%
- up to 80% LVR9.49%Special
Investment, owner-occupied and specialised commercial property.
- up to 65% LVR7.99%
- up to 70% LVR8.95%
- up to 75% LVR10.85%Special
Land, site holds and development entry. Higher tier reflects speculative value.
- up to 60% LVR8.99%
- up to 65% LVR9.85%
- up to 70% LVR10.50%Special
- up to 75% LVR11.35%Special
Customised solutions. Standard pricing shown applies up to $10m loan size.
All pricing is indicative and subject to credit approval. Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation. Full disclaimer.
The same bands and cost structure are set out for borrowers, alongside what Archer funds and what needs a call first, on the private lenders page.
Broker remuneration, payment conditions and any clawback arrangements are governed by the applicable written agreement.
Six products. One credit team.
Archer Premium
First-mortgage lending for top-tier scenarios.
- 1st mortgage, prime security
- Up to 70% LVR
Archer Edge
Flexible first-mortgage lending for the deal that needs a yes.
- 1st mortgage
- Up to 75% LVR · from 8.49% p.a.
- 6-24 month terms
Archer Flex
Short-dated bridging with a clear exit.
- 1-9 month terms
- Up to 75% LVR · from 7.99% p.a.
- Interest capitalised or serviced
Archer Rapid
Fast short-term finance for urgent funding needs.
- Property-secured
- $100k-$2m
Archer CommercialX
Commercial real estate lending, underwritten on cashflow.
- Up to 70% LVR · from 7.99% p.a.
- Interest-only to 3 years
- Structured covenants
Archer LandX
Vacant land loans and land-hold finance for Australian developers.
- Land acquisition
- DA hold periods
- Structured for the lead-in to construction
The ones brokers actually ask.
Not the question on your mind? Submit a scenario or call the desk on 02 8064 9608.
How fast can I actually get an indicative?
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry.
Do you have a portal?
Yes, a broker portal for scenarios, applications, and live status on your active files. Accreditation gives you a login. Standard /scenarios/new flow takes 2 minutes per file; smart extract pre-fills it from a pasted broker note.
Will I get clawed back?
Broker remuneration, payment conditions and any clawback arrangements are governed by the applicable written agreement.
Can I bring a deal that's outside policy?
Yes, and we'd rather you did than guess. If it's clearly outside, we'll tell you. If it's a credible exception (good sponsor, real exit, security to support it), it goes to the credit committee.
How do I get accredited?
Send your AFCA membership, ABN and a recent group structure if you operate under an aggregator. From there you're live in the portal and can submit scenarios.
Where do I escalate if a file's stuck?
Direct line to the assigned BDM, then the head of origination. We publish both names on accreditation, no front-line script, no callback queue.
Paste the deal.
Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation.