Built for broker workflow.
Direct lines to credit, clean conditions, and a scenario engine that ends the guesswork. Broker-channel only, we don't go around you.
Same-day terms. No drift between indicative and formal.
The most expensive thing for a broker isn't the rate. It's a lender that takes three days to come back, then re-prices on the formal. Our credit lens is published, our indicative is signed off by the same desk that decides the file, and the conditions you see at indicative are the conditions on the letter.
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. Indicative answer in hours, not days, and the indicative is the formal.
Trail and upfront protected
Standard Archer Wealth broker remuneration. Paid on settlement, no clawback after the standard window. Visible on the file, no surprise abatement clauses tucked into the formal letter.
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 fast and 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.
Consumer-purpose lending
Archer lends for business and investment purposes. Consumer-purpose loans regulated under the NCCP Act, a family buying a home to live in, sit outside what we write. That one is better answered now than after 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.
Same-day indicative.
Rate, fees, structure, time-to-settle. Comes back from the same credit team that will assess the formal. What we indicate is what we formalise.
Settle in 3-5 days across the suite.
Standard files clear in 3-5 days. We brief your borrower's solicitor, run the val panel, and book settlement once docs are out.
Pricing by security and LVR. Published, no surprises.
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. Strongest pricing tier in the suite.
- 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. Larger transactions are accommodated with tailored pricing models incorporating wholesale-investor funding lines.
All pricing is indicative and subject to credit approval. Past performance is not a reliable indicator of future returns. Full disclaimer.
The same bands, turnaround standard and cost structure are set out for borrowers, alongside what Archer funds and what needs a call first, on the private lenders page.
Standard schedule. No surprise clauses.
Full schedule and clawback terms are shared on accreditation. Below is the structural shape, what changes between deals is the upfront percentage, not the framework.
- Upfront
- Standard
- Trail
- Yes
- Clawback
- Standard
- Accreditation
- 10 minutes
Paid on settlement, full schedule shared on accreditation.
Paid monthly while the loan is on book, no haircut.
Standard 12-month window. No surprise abatement clauses.
Existing AFCA member + ABN. Sent for sign-off same day.
Six products. One credit team.
Archer Premium
Flagship first-mortgage lending for top-tier scenarios.
- 1st mortgage, prime security
- Up to 70% LVR · 7.99% p.a.
- Sharpest rate in the suite
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
- 3-day settlement
- $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?
Same business day for anything submitted before lunch. Most files come back in 4-8 hours. The indicative is from the credit team that will assess the formal, not a sales-side number that gets reset later.
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?
Standard 12-month clawback window matching market practice. We do not write surprise abatement or recoupment clauses into the formal letter. If a deal discharges inside the window for a reason outside your control, we discuss case-by-case.
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 fast. If it's a credible exception (good sponsor, real exit, security to support it), it goes to the credit committee. We write a meaningful number of those each month.
How do I get accredited?
Send your AFCA membership, ABN and a recent group structure if you operate under an aggregator. We turn accreditation around in one business day. 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. We'll come back same-day.
The scenario engine returns indicative terms in seconds. Send it through and the assigned BDM will be in touch within the day.