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.
Site acquisition and land-hold finance for developers.
Land-bank and site-acquisition funding for experienced developers. Held through DA, pre-sales and the lead-in to construction.
Paste the scenario as you'd describe it to a colleague — same-day indicative terms, direct line to the desk.
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