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Low Doc Home Loan 85% LVR Purchase
Up to 85% LVR, all states Residential only.  • Adverse history • Past payment issues.  P&I 30 year term. No LMI, No BAS Statements,



Low Doc Home Loan 80% LVR Refinance
Up to 80% LVR plus capitalisation of fees , all states Residential only.  • Cash Out  > 25% of loan • P&I 30 year term. No LMI, No BAS Statements
 

No Doc Loan to 70% LVR 
Up to 75% LVR, Capital Cities & Major Regional. Residential Zoned . Refinance, Purchase or Cash Out - Non Coded Only

Rural Low Doc 60% LVR
Up to 60% LVR,  Refinance or purchase. . 

Commercial Low Doc 75% LVR 
Up to 75% LVR on purchase and refinance, all states 1 - 25 years.  

2nd Mortgage 75%  LVR- from 20% pa
  Rural, Residential and Commercial. • Adverse history • Past payment issues.

 

MFAA Broker approved

Non Conforming Loans - We specialise in obtaining APPROVAL for Low Doc Loans for Residential and Lo Doc Commercial Loans 

If you can't get a loan because you don't fit traditional lending criteria, you're not alone.  In Australia, we estimate that one in five people are unable to obtain credit from a traditional lender. Often this is through no fault of their own. We recognize that each client has specific needs in relation to their finance. We strive to meet those unique requirements through our knowledge and expertise gained from over 10 years hands-on experience in the mortgage and finance industry.
 

mortgage refinance

  Residential Loans
Through our extensive network of funders we are able to assist borrowers in the following categories in both full doc & low doc

Whether you have full financials, no financials, are a non-resident, have current defaults, mortgage arrears, etc we have access to products which can assist.

 

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 Commercial Finance
Our commercial low doc loans cover the full spectrum of commercial mortgage lending including Full Doc, Low Doc Loans and No Doc Loans and also lending to Rural, Industrial & Specialised Securities. We have direct access to funds for Construction, Development, Residential & Rural securities, so all it takes is one call.  No matter the scenario to find the answer you need to your finance requirement. If the lending circumstances do not meet our own requirements, we have many specialised fund managers that we can call on. With LVR’s up to 75% for Lo Doc Commercial Loans and available for Purchase, Refinance, Working Capital, Capital Raising, Investment, debt consolidation, bridging, and a wide range of business purposes

 

 

 

 

 

 

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 Development Finance
Property Development Finance can be structured in many ways, tailored to the specific needs of the project. We are specialists in structuring complex financing solutions for commercial and residential property development  Typical development funding structures fall into two main categories; hard cost based facilities and the GRV based facilities

  • Hard Cost facilities up to 85% of Total Development Costs (TDC)

  • GRV based facility up to 75% of Gross Realisable Value (GRV)     

Mezzanine Finance is also Available. Mezzanine Finance fills the gap between the property developers equity and the amount of senior debt available.

 

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  Business Finance 
Through our extensive network of funders we are positioned to assist in all equipment finance acquisitions including Low Doc Car Loans, boats, planes, office equipment, heavy equipment and all forms of plant and equipment requirements in both Full doc & Low Doc Leasing. 
Looking to buy out a company or expand into a new market and need some additional financial muscle between $1-30M?... Ask us how... 

Cashflow finance is available for profitable growing business’s.

1.       Debtor Finance
2.       Second Mortgage
3.       Bridging Finance

Need $10,000 - $10,000,000 for up to 3 months? 1st or 2nd mortgages... Ask us how...

 

 

 

 

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We have access to the Major Lenders and over 30 specialist lenders including Private Finance, Low Doc home loans, Non Conforming Lenders and Lo Doc & No Doc Wholesale Funders that can quote the best value loan for you. Our professional staff are available for a free consultation, with no obligation on your part. Get started now by clicking the finance product most suitable for you - our secure application will only take a few minutes to complete.  By using our loan service, you benefit from our widespread knowledge of today's credit options. Your finance quote and approval is simply based on our expertise and your credit standing.

Under the new National Consumer Credit Protection act any loan that is predominately used for residential or personal use will be treated as a coded loan.  This applies to investment and owner occupied properties.  Gone are the days of a loan secured by an investment property being uncoded.

The EXCEPTION to this rule is if the borrower is a Company / Trust or if the use of the loan funds is for business or investment purposes.

What this means is that in most cases the the the funder will now be required by law to be comfortable that the borrower can service any debt.

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