Loan types

This is a residential loan for the purposes of buying a home to live in.

It can also include refinancing your existing home loan.

A residential loan for the investment (in property, shares, business etc).

It can be a standalone loan or an equity release for deposit funds towards an investment purchase.

This is a residential loan to construct a dwelling for either an Owner

Occupier or the purposes of an investment (see above).

For First Home Buyers, this loan falls under an Owner Occupier Loan

(see above) with discounted features or allowable government benefits.

This loan product is for clients who may have a history of loan default or

failed repayments. Specific lenders and products may allow such clients to refinance, consolidate or purchase a property which could put them in a better financial position.

While this loan type may appear complicated, it can be a standard residential loan.

We have brokers that understand the complexities of self-employed financials. However, if your financials aren’t ready or you’re in the process of current financial year changes, we also have a range of products that only require minimal documentation. However, if you’re in the middle of a quick financial turnaround such as ‘house flipping’, speak to your broker about a ‘low doc’ option which may be right for you.

Similar to asset finance, this loan type is for the borrower who is not self-employed.

It’s a way of securing short-term finance so that you can purchase assets without interrupting your cash flow.

• Passenger Cars
• Exotic, Collector & High Value Cars
• Caravans & Camper Van Trailers
• Motorcycles – On & Off- Road Bikes
• Motor Scooters
• Boats & Yachts
• Jet skis

• Debt consolidation
• Holidays
• Deposit gap payments
• Other worthwhile purposes

For this loan, the purchase or refinance of a commercial dwelling is based

purely on the lease/rental value vs the repayment. What’s more, your personal income won’t need to be reviewed.

This loan type is similar to Lease Doc, where the purchase or

refinance of a commercial dwelling is based on the lease. However, in this instance, your full income and investments are also taken into account.

Specifically for business-related expenses such as equipment,

machinery, vehicles etc.

• Passenger Cars
• Commercial Vehicles & Trucks
• Transport equipment – Trailers, Forklifts, Loaders
• Earthmoving – Excavators, Bulldozers, Skid Steer Loaders, Graders
• Agricultural Equipment – Harvesters, Tractors, Balers, Headers
• Office Equipment – Computer Hardware, Printers, Copiers
• Manufacturing Machinery – CNC Lathes, Panel Saws, Metal Working
• Building & Construction Equipment
• Medical & Dental Equipment
• Aircraft & Commercial Vessels/Boats
• Access Equipment – Boom & Scissor Lifts
• Solar PV Systems, LED Lighting & other energy saving equipment
• Retail Equipment – Shops, Restaurants & Cafes
• Health & Beauty Equipment
• Planes & Helicopters
• Working Capital Business Loans
• Debtor and Insurance Premium Funding

If you are a business owner (new or existing) this is the fund for renovating and

fitting out a commercial property (lease or owned) for trading.

Whether you’re a new business owner needing initial capital for wages

or an existing business owner needing funds for expansion, this loan type provides funds to support your business through an overdraft or line of credit.

This is funding for the purposes of buying an established business.

Self-managed super funds (SMSFs) are private super funds that you manage yourself.

We have a large selection of leanders that offer SMSF loans, which can be used for residential investment or a commercial property.

Private Funding may be appropriate when you have a development

project but don’t have the borrowing capacity to go to a standard lender. Most standard lenders will require a certain percentage of the stock in a development to be pre-sold. However, you could lose profit by having to wait for pre-sales or you may be able to sell at a higher price with a complete project.

Private Funding is based on your feasibility and valuations. It’s usually a short-term loan of around 6–24 months. The exit strategy for this loan is either refinancing or selling which is ideal for a developer or investor.

This loan type is used to fund a development project

This is a funding option where you are using a standard lender with a maximum

lending amount or pre-sold options. Mezzanine is Private Funding that can come with either a lending caveat or second mortgage that provides further funding to complete the project.

Approval for this loan will be based on financial capacity, feasability,

valuation, exit strategy and pre-sales. This is typically the most affordable option, however, in many cases the lengthy process can add extra costs. It may be faster to choose Private Funding. However, you’ll need to check your feasability first.