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Side-by-side comparisons
When two lending options can both solve the file, the right structure is the one that fits the borrower's actual constraints, timeline, serviceability, exit, cashflow. These comparisons frame the decision.
Available comparisons
- Private credit vs Bank lendingCompare →Private credit vs bank lending: speed, pricing, LVR, structuring, exit. When each fits, and how to decide between them.
- Bridging finance vs Caveat loanCompare →Bridging vs caveat lending in Australia: security position, speed, tenor, pricing. When each is the right structure for short-dated property-secured funding.
- Second mortgage vs Bank equity releaseCompare →Second mortgage vs bank equity release in Australia: how each releases capital from existing property, the trade-offs in speed, cost and structure.
- Non-bank lender vs Major bankCompare →Non-bank lender vs major bank in Australia: regulation, funding, credit policy, speed, pricing. How non-banks compete with the Big Four on borrower outcomes.
- Development finance vs Construction loanCompare →Development finance vs construction loan in Australia: which stage each funds, pre-sale requirements, QS monitoring, and how the two products work together on a typical project.
- First mortgage vs Second mortgageCompare →First mortgage vs second mortgage: priority on title, what each is used for, LVR and pricing differences, and how to choose between them.
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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.