Private lending scenarios
Example scenarios, grouped by the problem on the file rather than by product.
The pages below are grouped by the problem on the file rather than by product, because that is usually how a broker arrives at one. Each links through to a fuller description of that situation.
Each is an example situation, not a specific transaction, and no outcome shown is typical or guaranteed. Lending criteria, LVR bands and pricing are published on the brokers page.
Deals where the clock is the problem
Scenarios in this group share a fixed date that the borrower's existing lender cannot meet.
- Settlement about to fall over
A settlement in jeopardy: bank refinance not landing, deposit shortfall, valuation short. How a private lender rescues the contract.
Read the scenario → - Urgent property settlement
Auction or short-deadline settlement the bank cannot meet. How a private lender approaches the file and what is realistic on timing.
Read the scenario →
Deals a bank declined on policy rather than on the asset
Scenarios in this group were declined against a lender's policy rules rather than on the value of the security.
- Bank declined, strong asset
When a bank declines on policy but the security and exit are sound. How a private lender approaches the file.
Read the scenario → - Self-employed declined
Self-employed borrowers declined by a bank. How a private lender underwrites commercial reality.
Read the scenario → - ATO tax debt refinance
Clear an ATO tax debt against property equity, then refinance to a bank once the business position is restored.
Read the scenario →
Deals where the equity exists and the structure is the question
Scenarios in this group have existing equity in the asset, and a question about how a further facility would sit against the current debt.
These are shapes, not a credit policy
Every file is different, and the shape of a deal is only the starting point. What Archer lends against, to what LVR and on what terms is set out in the lending criteria on the brokers page, alongside the published rate card.
Have a live deal?
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.