Transparency
Rates & fees
Indicative ranges, real numbers, and a plain explanation of every cost. Your actual rate depends on the security, the term and the exit - we tell you yours upfront.
Current as at 30 July 2026
Product
Indicative rate
Max LVR
Term
Est. fee
Caveat loan
from 1.65%/mo
up to 65%
1-6 mo
2.5%
Second mortgage
from 0.975%/mo
up to 75%
6-24 mo
2%
Bridging finance
from 0.975%/mo
up to 75%
1-12 mo
2%
Equity release
from 0.99%/mo
up to 75%
1-12 mo
2%
Take-out funding
from 0.975%/mo
up to 75%
1-12 mo
2%
First mortgage
from 8% p.a.
up to 70%
1-36 mo
1.5%
Private commercial mortgage
from 9% p.a.
up to 70%
3-36 mo
1.5%
Asset-backed lending
from 11% p.a.
up to 75%
1-12 mo
2%
Residual stock loan
from 11% p.a.
up to 75%
1-12 mo
2%
Development finance
from 8% p.a.
up to 70% GRV
up to 24 mo
1.5%
Construction loans
from 8% p.a.
65% GRV (75% w/2nd)
up to 24 mo
1.5%
Land & subdivision
from 8% p.a.
70% land +100% costs
up to 24 mo
1.5%
Low-doc business loans
from 11% p.a.
up to 75%
3-36 mo
2%
Mezzanine finance
from 14% p.a.
up to 85% of cost
6-36 mo
1.5%
What you actually pay
Establishment fee
A one-off fee set against the loan, quoted before you commit.
Legal & valuation
At cost, where required. No margin added by us.
No hidden costs
Every fee is on the term sheet. If it isn’t written down, you don’t pay it.
What affects your rate: the quality and type of security, the loan-to-value ratio, the term, and how clear your exit is. Cleaner security and a defined exit mean a sharper rate.
Want your actual numbers?
Tell us the asset and the amount and we’ll come back with formal terms, within 48 hours.