Frequently asked questions.

We specialise in asset-backed commercial lending, including First Mortgage Loans, Second Mortgage Loans, Caveat Loans, Bridging Finance, Equity Release, Working Capital, Debt Consolidation, Residual Stock Loans, Development Exit Loans, Construction Financing, Specialised Asset Lending and Corporate Finance Facilities. All loans must be for business or investment purposes only.

Our products are designed for borrowers seeking finance for business purposes. The primary eligibility requirements focus on the legal structure and purpose of the loan.

• Borrower Entity: Must be an Australian incorporated company.
• Loan Purpose: Must be wholly or predominantly for the purposes of a business carried on by the borrower.
• Trusts: Considered provided the borrowing is in the name of the corporate trustee as trustee of the trust.
• SMSFs: Available where the applicant is the SMSF trustee (which must be a company), on an arm's-length basis. Cash-out and residential owner-occupation are not acceptable loan purposes.
• Non-Resident/Temporary Resident Directors: Considered for Australian-incorporated companies, provided the company also has an Australian-resident director.

We lend across Australia, securing loans against residential, commercial and industrial properties. Our preferred areas, which receive the highest LVRs, are major cities (e.g. Sydney, Melbourne, Brisbane) and their metro surroundings.

Regional, destinational or non-metro properties can be considered, subject to lower maximum LVRs and prior Credit Committee approval. We focus on locations with deep, liquid property markets — generally an LGA population greater than 80,000.

✅ Acceptable Securities

• Residential: Torrens titled houses, individual strata title home units, townhouses, villa units, duplexes and blocks of residential flats.
• Commercial: Warehouses, warehouse conversions, factories, office premises, retail premises and light industrial property.
• Land: Vacant land is acceptable.
• Crown Leasehold: Acceptable, provided the remaining lease term exceeds the loan term by at least 10 years.

🟠 Specialised Securities — considered case-by-case, subject to Credit Committee approval:

• Child Care Centres
• Service Stations
• NDIS Properties
• Supermarkets
• Shopping Centres
• Hotels, Motels & Rooming Houses

❌ Unacceptable Securities

• Flood-prone areas (less than 1:100 year flood protection), land subject to mine subsidence or landslip, contaminated sites, and sites materially affected by high-tension powerlines or motorways.
• Islands without a sealed road connection to the mainland.
• Residential properties under 40sqm (exclusive of balconies/parking), relocatable/kit homes, and exhibition homes.
• Rural-zoned properties with residential units above commercial shops.
• Resort complexes, abattoirs, nursing or retirement homes, incomplete developments, hospitals, places of worship, casinos, pubs and clubs.
• Company title, general leasehold (excluding Crown leasehold), National Heritage-listed or restrictively zoned properties, and life tenant occupancy.

Key requirements for all security: secured by a registered 1st Mortgage, or 2nd Mortgage/second priority via Caveat; valued 'as is' by an approved panel valuer; property in satisfactory, readily saleable condition.

Rates start from 8.19% p.a. for First Mortgages and from 12.25% p.a. for Second Mortgages. Final pricing depends on asset type, LVR, borrower profile and loan purpose. Rates current as at May 2026 and subject to change — contact us to confirm current pricing for your scenario.

Typically up to 75% on residential, 70% on commercial/industrial, and 65% on land or specialised security. Higher or blended LVR solutions may be considered case-by-case.

Yes. Our Corporate Finance facilities can be structured alongside a First Mortgage loan — pairing property security with working capital flexibility, so you can fund growth, cover cash flow gaps or execute more complex transactions in a single deal.

Yes. Where a recent, unassigned valuation report already exists, we can review it instead of ordering a new one, cutting real time off the path to settlement. Paired with 24–48 hour conditional approval, this is how we support scenarios that can't wait.

Where interest isn't prepaid for the full term, the borrower's ability to service interest must be verified, to ensure the loan doesn't cause substantial hardship.

Preferred method: an Accountant's Certificate, verified via a TPB registry search and a confirmation call to the accountant.

Alternative evidence: company management accounts, tax returns, BAS payments, bank statements, payslips, employment letters, or (for contractors) contracting agreements and invoices matched to bank statements.

Not acceptable as income: unemployment benefits, clothing/travel allowances, Carer's Allowance, pension/benefit income, or child support payments.

Where servicing risk is higher, we may require interest to be pre-paid for part or all of the term — this can be waived by the Credit Committee where an Accountant's Certificate confirms servicing capacity.

Yes. We can work with borrowers who have previous credit impairments, defaults, ATO debt or arrears, provided the scenario is supported by a strong asset position and a clear exit strategy.

Brokerage fees are agreed directly between the borrower and their broker. We apply one transparent establishment fee — from 1.25% on First Mortgages, from 2.00% on Second Mortgages — covering all work involved in assessing, approving, structuring and managing your loan. No line fees, and no early exit fee (a minimum interest period still applies).

Our standard minimum loan size is $500,000. First Mortgages range up to $40m; Second Mortgages up to $10m. Requests below the minimum may be approved at our discretion, case-by-case.

Yes. We work closely with brokers, accountants, lawyers and real estate agents, offering fast scenario assessments, clear credit feedback and strong support through to settlement for every referral partner.