Vertex Capital funds short-term property deals in St Clair: bridging a purchase before a sale settles, unlocking equity with a second mortgage, or financing a development site. Property-secured, business-purpose lending with a letter of offer typically within 24 hours.
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Here is what the St Clair market actually looks like, from NSW Valuer General settled sales — the same records our credit desk uses when assessing security in the area.
On a typical St Clair house at the current median of $1.20m, a first-mortgage facility at our 75% LVR guide supports borrowing up to around $900,000. Second mortgages run to 65% combined LVR and commercial security to 70%. Rates start at 9.7% p.a. with establishment fees from 1.65% — all business-purpose, secured by real property.
Typical scenarios: bridging a St Clair purchase before an existing property settles, refinancing a maturing facility, releasing equity for business use, or settling an auction purchase the bank can't fund in time.
Up to 75% LVR on a first mortgage. With the St Clair house median at $1.20m over the last 12 months, that supports facilities up to around $900,000 on a typical property, subject to valuation.
A letter of offer typically issues within 24 hours of receiving the scenario, and settlement can occur in as little as 3 business days once valuation and legals are in place.
Rates from 9.7% p.a. and establishment fees from 1.65% of the facility. Interest is usually retained at settlement or capitalised, so there are no monthly repayments during the term.
Yes — St Clair has had 63 DAs lodged in the last 24 months, and we lend against development sites, DA-approved land and residual stock at up to 65% LVR.
Send the security address, loan amount and exit — formal terms typically within 24 hours.