Melbourne's private credit market behaves differently to Sydney. The residential secondary market is more sensitive to settlement risk in the outer ring, and the apartment cycle has been longer through 2024-2026. Underwriting to a Melbourne file means tightening the LVR cap on apartment security relative to detached, and weighting the exit work harder on the file.
How Archer Flex fits the Melbourne market
The common shape is a sale under unconditional contract with a settlement gap of 3-8 weeks. Bridges sized to the documented sale value, capitalised interest.
Archer Flex at a glance
Bridging finance for the gap between settlement and sale, refinance or construction. Sized to the exit, structured to clear, usually 1-9 months.
- 1-9 month terms
- Up to 75% LVR · from 7.99% p.a.
- Interest capitalised or serviced
Why Melbourne files run cleanly
Melbourne files are packaged to the credit team's standard format. 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.
Archer Wealth is headquartered in Sydney (Bondi Junction) and lends nationally. Files in Melbourne run through the same credit committee and the same settlement process as files in any other Australian market, what changes is the credit lens applied to local market behaviour, not the operating model.
Next steps
If you're a broker in Melbourne with a archer flex scenario, send it through your accredited Archer BDM or use the submission form. Contact our team to discuss the submission process. If you're a borrower without a broker, we'll match you to an accredited broker covering your postcode.