Many Borrowers have become a victim of Lenders tightening their credit policies since the GFC to keep the cost of their funding down. A vast majority of these borrowers are more than capable of servicing a loan but for one reason or another they don’t comply with prime lender policies.

Our Funding Lines will lend to a loan value of 95% on a purchase and 90% on a refinance.

Our Mortgage Loan Specialists are uniquely qualified to assist borrowers who fall outside the traditional lending criteria.

If you do not fit into the Banks format for Self Employed, then you may have already found that finding a home loan can be difficult. We have low doc loans for both clean credit and credit impaired for Purchase, Refinance, Debt Consolidation, Cash Out, Vacant Land and Construction Loans for Residential Zoned Properties. Alternative verification of income can include either Accountant to verify, 6 months of lodged BAS statements or 3>6 months of business bank statements or a combination of any 3 to apply for a Self Employed Home Loan.

Our Funding Lines will lend to 90% of property value on a purchase and 85% on a refinance.

Bad credit home loans are available for applicants that have past or present credit impairments allowing funding of a purchase, debt consolidation or refinance of Residential zoned property.

Defaults or judgement’s can be paid or unpaid with arrears on credit contracts or late payments acceptable to our funding lines.

Bad Credit Home Loans allow for refinancing to a prime loan when credit issues have dropped off from credit file.

Our Funding Lines will lend to a maximum of 95% of property value on a purchase and 90% on a refinance. For Vacant Land and Construction to 70% LVR (major population areas only).

Get back into home ownership. We have specialist lenders that can lend to applicants that can verify their income up to 95% of the property value on a purchase and up to 90% on a refinance and up to 85% of the property value on a purchase or 80% on a refinance as a low doc on a residential zoned property from 1 day discharged bankruptcy as long as no further credit infringements.

We are unable to finance current Bankrupts or Part 9 or 10 unless it is for annulments of bankruptcy or paying out debt agreements.

If you have multiple debts from various sources or institutions such as a home loan, personal loan, credit card or other high interest loans, and you are having trouble paying these off, then it could make sense to roll these debts together with your home loan.

Our team of debt negotiators are specialists in dealing with credit providers and helping individual’s and businesses reduce the debts owed.

No reduction of your unsecured debt – NO FEE… it’s that simple

Commercial Loans cover most commercial funding options and are available in Full Doc, Low Doc and Lease Doc options for both clean credit and credit impaired options. Maximum Lending to 75% LVR on both purchases and refinance of standard Commercial Property and to 70% LVR on Lease Doc Loans.

Funding for property purchases, refinancing of existing loan, equity release for property improvement, investment, cash out, working capital, paying out tax debts and business debts.

A Company or a Trust can apply for a No Doc Loan for Commercial Purposes.

This type of loan is known as an asset lend because the lender is primarily relying on the value of the asset as repayments for the term are capitalised up to the maximum LVR.

Our range of Bridging loans, caveat loans, first mortgages and second mortgages are the perfect fit for you.

Our private capital sources can lend you up to 80% LVR on an as is valuation, not a forced sale valuation.

Our market leading short terms loans of 3, 6 or even 24 months, have the ability to be settled in as little as two days, at your convenience.

The construction phase of development is one where reliable funding is imperative. With a constantly evolving landscape of lenders and niches, the need for sound advice and experienced funders on your side has never been more important.

• Up to 70% of GRV to 90% TDC
• Loan sizes to $300M.

LANDBANK: A typical land bank borrower will be holding land waiting for development approvals or joint venture party negotiations. With the full value of the property yet to be realised, clients need reliable funding from the right capital partners.

• LVR up to 70%
• Existing valuations may be used.