Business-purpose lending secured by Australian property. When the banks — and the other non-banks — say no, send us the scenario. If the property is real and the exit is credible, there's usually a way to fund it.
Submit a Scenario Get AccreditedIf your scenario sits inside — or near — this box, it's worth a conversation. Borderline deals are our specialty, not our exception.
| Loan size | $500,000 – $5,000,000 (smaller considered case-by-case) |
| Security | Residential & commercial property — metro and major regional Australia. Property security only. |
| Ranking | 1st mortgage & 2nd mortgage (including seconds behind major banks, priority deed arranged) |
| LVR | Up to 70% — quality metro residential considered to 75% |
| Term | 3 – 12 months |
| Purpose | Business purpose only — bridging, working capital, refinance, equity release, urgent settlements |
| Repayments | Structured to cash flow: interest retained, prepaid, or monthly — $0-monthly-repayment structures available |
| Assessment | Asset and exit — not serviceability checkboxes. Trusts, companies, complex structures welcome. |
| Response | Indicative terms within 24 hours of a complete scenario |
We don't fund consumer-purpose or owner-occupied personal lending, or non-property assets (equipment, marine, solar).
Complex structures, trusts, ATO arrears, income paperwork the bank template can't read. A person reads your deal — the story, not the checkboxes. "Declined elsewhere" is where we start.
Up to 75% on quality metro residential, case-by-case. When your client is $75k short of the line because another lender capped out at 65%, that gap is our job.
The terms on our conditional approval are the terms at settlement. No re-trade, no last-minute rate surprise. Your word to your client stays good.
Another lender dropped out late? Bring it to us fast. If the security and exit stack up, we can move from scenario to settlement inside 72 hours.
Full deal flow in English and Mandarin — application to settlement. For clients with overseas income or offshore structures, we're the lender who understands the file.
Broker commission paid on every settled deal. The client stays yours — we never go around the broker who brought us the deal. That's how a referral channel compounds.
Property, loan amount, purpose, exit. Email or the form — no application forms at this stage.
A straight answer with indicative terms — or a straight no with the reason. We don't sit on scenarios.
Formal approval, valuation ordered, our lawyers instructed same day.
Fast, clean settlement — and your commission paid without chasing.
$500k in second mortgages behind a major bank across two Sydney properties · $750k self-employed refinance at 65% LVR in Melbourne · $650k Brisbane working capital with $0 monthly repayments — see the detail on our Recently Funded board.
No portals, no PDFs, no waiting. Fill in four fields — you'll be accredited and receive our current credit appetite one-pager the same day.
Or call 1300 886 528 — scenarios welcome on the first call.