FAQs
Direct answers from the credit team. Grouped by who's asking, broker, borrower, investor, or general.
General questions
Common starting questions on speed, LVR, geography and the wholesale fund.
How fast can you turn around indicative terms?
Most scenarios get an indicative answer within 4-24 hours. Paste-the-scenario above is the fastest path; credit reviews every submission.
What's the maximum LVR you'll go to?
Up to 70% on a first mortgage, up to 80% combined on a second. Anything north of that is a conversation, not a no, call credit.
Do you fund development?
Yes, up to 70% TDC for experienced developers, QS-monitored, with residual stock roll-over options.
Where do you lend?
We lend across NSW, VIC, QLD, WA, SA and ACT. We assess Tasmania and Northern Territory deals case-by-case where security values support it. Regional centres considered where security values support; rural and remote are out of policy.
Is the fund open to retail investors?
No, wholesale-qualified only. Request the IM and we'll send the qualification questionnaire alongside it.
Can you take ATO debt?
If it's paid out at settlement and the borrower's conduct is otherwise clean, yes. Credit will need the Notice of Debt and a settlement plan.
Broker questions
Submission, commission, client protection, and credit escalation.
How do I submit a scenario without re-keying?
Paste it above, the AI structures it for credit and pre-fills your portal application. You'll have indicative terms before your borrower's coffee goes cold.
Do I keep my client?
Always. Archer Wealth doesn't market direct to your borrower. Trail and upfront protected by referral agreement on file.
Can I see live deal status?
Yes, the broker portal shows every milestone (credit, valuation, legal, settlement) in real time, with notifications you can mute or amplify per deal.
What's the commission structure?
Upfront and trail in line with the panel. Specifics depend on product and term, your BDM will confirm before you submit.
How do you handle commercial scenarios?
Same desk, same lens. We underwrite on cashflow, tenure and sponsor, and we'll tell you fast if it's not for us.
Who do I escalate to?
Your BDM, then the head of credit. We don't operate a queue model, every broker has a named contact.
Borrower questions
What working with a private lender looks like, equity required, settlement speed.
I haven't worked with a private lender before, what's different?
Faster decisions, more flexible structuring, and pricing that reflects the work and risk. We expect a documented exit and we'll tell you upfront if your scenario doesn't fit.
Do I need a broker?
Yes, Archer Wealth lends through the broker channel. We can introduce one if you don't already have one in mind.
What deposit / equity do I need?
Generally 30% of property value as equity for a first mortgage. Less if there's strong cashflow or sponsor support; more for higher-risk security.
Can I borrow against a property I already own?
Yes, first mortgage refinance or second mortgage top-up. Your broker will recommend the right structure.
How fast can settlement happen?
3-5 days across the standard suite. Development can take longer because of QS, legal and drawdown set-up.
What documents do I need?
Identity, security details, exit plan, and recent financials. Your broker will provide a tailored checklist.
Investor questions
Wholesale-only fund mechanics, yield, risk and redemption.
Who can invest?
Wholesale-qualified investors only, sophisticated investor or wholesale client per Corporations Act s708. We provide a qualification questionnaire.
What's the structure?
A wholesale unit trust holding a portfolio of first-mortgage loans, secured against Australian real property. Monthly distributions, quarterly investor reporting.
What's the target yield?
Net 9-10% p.a. historically; current 12-month rolling is 9.8% net. Past performance is not indicative of future returns, read the IM before investing.
How is risk managed?
First-mortgage security only, conservative LVRs, geographic diversification across NSW / VIC / QLD / WA / SA, and concentration limits at the trust level.
Are distributions reliable?
Distributions are paid monthly from interest received. They reflect underlying loan performance and are not guaranteed.
How do I exit?
Quarterly redemption windows subject to liquidity. Larger redemptions may be staggered; specifics in the IM.
Still have a question?
Three options. Submit a scenario for indicative terms on a real file. Call credit on 02 8064 9608 during business hours. Or use the "Ask credit" box on the homepage FAQ section for an AI-drafted answer from our credit policy.