Our loan products include, but are not limited to;
1. STANDARD VARIABLE LOAN
- Funds available for personal, investment, or business use
- For individuals, companies and trusts
- Flexibility of principal and interest or interest only, for up to 10 years
- Variable or fixed interest rates
- Flexibility of weekly, fortnightly or monthly repayment
- Loan size from $30,000 to $2 Million per secured property
- No annual, ongoing or transactional fees
- Up to 97% LVR (conditions apply)

2. PREMIUM LOAN
- Funds available for personal, investment, or business use
- For individuals, companies and trusts
- Flexibility of principal and interest or interest only, for up to 10 years
- Variable or fixed interest rates
- Flexibility of weekly, fortnightly or monthly repayment
- Loan size from $30,000 to $750,000 per secured property
- Annual Fee of $300 in return for 10 basis points reduction in interest
- Up to 97% LVR (conditions apply)

3. LINE OF CREDIT
- For individuals, companies and trusts
- Revolving line of credit for 15 years
- MasterCard available as additional feature
- Cheque book available as additional feature
- Direct access to cash via ATMs, and purchases via EFTPOS
- A useful feature to attach to other loans

4. FASTDOC LOAN
- For self-employed individuals, companies and trusts
- No financials required only a declaration of affordability
- Funds available for personal, investment or business use
- Up to 80% LVR

5. CONSTRUCTION LOAN
- Land only, construction only or land and construction allowed
- Funds can finance an owner occupied or investment property
- For individuals, companies and trusts
- You initiate request for payment to builder
- We process the progress payment to builder within 48 hours
- Interest only for period of construction
- Up to 90% LVR of "on completion valuation"

6. NON RESIDENT INVESTMENT LOAN
- For foreign residents who do not have permanent residency status
- FIRB approval required
- Australian Power of Attorney
- Australian postal address required
- Up to 80% LVR
- Maximum loan amount $500,000

COMMERCIAL LOANS
- For Retail/Industrial/Commercial Real Estate
- Low document loans for those who cannot supply full financials
- Flexible criteria for serviceability
- Loan value $200,000 to $30 Million
- LVR's: between 60% and 70%
- Interest only for 5 years
- Can be used for investment, debt consolidation bridging, referencing and a wide range of business purposes
- Low Establishment Fees, competitive commercial rates

DEPOSIT BOND GUARANTEES
Once you have "Approval in Principal" with us, we can arrange a Deposit Bond Guarantee to assist you in Exchanging Contracts on the property, without the need to have the normal 10% deposit in cash.

SPECIALIST - More difficulat loans
We also service borrowers who do not fit the traditional lending criteria. Those with:
- Impaired Credit Rating
- Non standard income eg Part-time or casual income; pensions, maintenance payments
- Start up Business Loans (to 85% LVR)
- Self Employed for under 12 months
- High Loan Ratio for Self Employed (up to 90%)
- No genuine savings
- Low Document Construction Loans
- Bridging Loans
- Second Mortgages

We will do our best to say "YES" and get the credit you deserve