Six branded products, calibrated to a deal shape. Same underwriting standard. What differs is the security, the leverage, the term.
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.
Investment, owner-occupied and specialised commercial property.
Land, site holds and development entry. Higher tier reflects speculative value.
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.
Each product below shares the same underwriting standard. What differs is the shape of the deal, security type, leverage, term, urgency.
Flagship first-mortgage lending for top-tier scenarios.
Premium first-mortgage lending for high-quality borrowers and low-LVR scenarios. Sharper pricing, longer terms and lighter conditions, the product we reach for when the deal, security and sponsor all stack up.
Flexible first-mortgage lending for the deal that needs a yes.
Our core first-mortgage product. Designed for the scenarios a bank won't see in time, clean conduct, real security, a documented exit. Indicative terms in hours.
Short-dated bridging with a clear exit.
Bridging finance for the gap between settlement and sale, refinance or construction. Sized to the exit, structured to clear, usually 1-9 months.
Fast short-term finance for urgent funding needs.
Short-dated liquidity secured against real property. Settle in days, not weeks, used where the deal turns on speed and the exit is already in train.
Commercial real estate lending, underwritten on cashflow.
Investment, owner-occupied and specialised commercial property finance. Underwritten on cashflow, tenure and sponsor quality, with covenants we expect to be tested, not invoked in panic.
Vacant land loans and land-hold finance for Australian developers.
Vacant land loans, site-acquisition funding and DA-hold finance for experienced developers across Australia. Held through DA, pre-sales and the lead-in to construction, the bridge between buying the dirt and drawing the first construction tranche.
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