structured
or bridging
borrowing
In simple terms
You should expect the simplest solution to your funding needs.
ALL RATES ARE INDICATIVE – WE CAN DROP OR INCREASE ACCCORDING TO RISK
$2M – $30M | 1st Mortgages | 2nd Mortgages | Caveats
| 1sts | 2m - 30m | 2nds | |||||||
| Credit Category | LVR | 50 | 60 | 70 | Full Doc | |||
| 1 | Res | 5.99% | 6.99% | 7.99% | Rates from 5.99% | |||
| 2 | Comm Ind | 6.99% | 7.99% | 11.99% | Max LVR 75% | |||
| 3 | Agri | 6.99% | 7.99% | |||||
| Land | 7.99% | 8.99% | ||||||
| Category 1 +0.25% | Genworth 1-2 | Borrower credit 450+ and no defaults. Proof of income and serviceability from net cash-flows or Accountants Certificate of Serviceability. Senior ranking PPSR. | Term Min 3 months Max 5 years I/O Settlement By val completion | |
| Category 2 +0.5% | Genworth 1-2 | Credit shows no defaults to financial institutions. Accountants Certificate of Serviceability. PPSR. | Fees 1-2% | |
| Category 3 +1% | Genworth 1-3 | Satisfactory Credit. Accountants Certificate of Serviceability. No PPSR. | Lite Touch |
What you can expect from us
- Direct lender to borrower support
- Best-in-market rates
- Rapid drawdown
- Simple application process
- Sympathetic lender
Common loan uses
Rapid property acquisition pending alternate finance
Managing cash-flow challenges, such as:
- Tax liabilities and ATO debt
- Replacement finance or deleverage from an existing lender
- Pre-insolvency issues/ release from administration and turnaround
- Creditor payments
- Release of equity
- Debt refinancing
- Seasonal trends
- Business emergencies
Capitalising on an unexpected opportunity, such as:
- Bridging the gap between sale and purchase (residential or commercial)
- Rapid drawdown and equity release
- Buying a business
- Meeting the capital needs of a growing business
