Your Questions, Straight Answers

It's a loan secured against your property that sits behind your existing home loan. You keep your current mortgage exactly as it is — we simply use the equity above it. No refinancing, no disruption to your primary lender.

Any legitimate business or investment purpose — expanding your business, buying commercial property, purchasing equipment, bridging a cash flow gap, consolidating expensive business debt, or funding renovations on investment properties held in a company or trust. The only thing we can't fund is residential property purchases in personal names.

Between $50,000 and $750,000. The exact amount depends on your property value minus what you owe — we lend up to 70% LVR. Use our online application to get a quick estimate based on your specific situation.

From 1.99% per month, simple interest with no compounding. The exact rate depends on your situation and the loan structure. We'll confirm your rate as part of your application.

Zero brokerage fees — ever. There's a loan preparation fee from $4,995, capitalised into the loan so you don't pay it out of pocket. That's it. No hidden charges, no trailing commissions, no surprises.

Residential, commercial, industrial, and vacant land — anywhere on mainland Australia. If it's an unusual property, we can still look at it; it might just take a little longer to assess.

70%. That means your total debt (existing mortgage + our loan) can't exceed 70% of your property's value. If you're close to the limit, using multiple properties as security can help.

No. We don't run credit checks and neither does the lender. Your approval is based on the equity in your property, not your credit history. Bad credit, defaults, or a messy financial past won't stop you.

Absolutely. Stacking multiple properties as security lets you access more equity or bring your overall LVR down. Our application form makes it easy to add as many properties as you need.

Current mortgage statements, current rates notices, copies of your ID, and — if applicable — body corporate statements, land tax notices, and trust deeds. That's the full list. No tax returns, no BAS statements, no profit & loss.

Desktop valuations — fast, efficient, and accurate enough to get you funded quickly. No waiting two weeks for a physical valuer to show up.

Interest-only means you make monthly payments from your cash flow. Capped interest means the interest for the capped period is taken upfront from the loan amount — so you make zero monthly payments during that time. If preserving cash flow is critical, capped interest lets you breathe.

No — once your loan is set up, the interest structure is locked in. So think about what works best for your situation before you sign. Not sure which to pick? Our Interest Options page breaks it down with real numbers.

You repay the loan in full — typically by refinancing with a bank, selling a property, or using business profits. But here's the important part: as long as you're making your interest-only payments, the loan simply extends. You won't be put into default.

Yes, subject to any minimum term requirements tied to your interest rate. The lender will spell out the exact early repayment terms in your loan offer — no surprises.

Yes, though minimum term requirements may apply depending on your loan structure. The lender will spell out the exact early repayment terms in your loan offer.

If you have your documents ready, the loan can fund within 24 to 48 hours. The biggest variable is you — the faster you get us what we need, the faster the money hits your account.

We review it, package it to give it the best chance of success, and submit it directly to the lender on your behalf. The lender contacts you, issues a formal letter of offer, and organises settlement. We handle the heavy lifting.

It means your application looks strong based on the numbers. It's not a guarantee — it's still subject to verification and formal assessment — but it means you're on track and the lender is interested.

There isn't one. We work directly with our lending partner — no brokers, no hidden fees, no trailing commissions. Our incentive is to fund good deals quickly. If your equity supports the loan, we want to say yes.

That's actually why most people come to us. Banks say no for all sorts of reasons — self-employed income is messy, the purpose doesn't fit their box, or they just take too long. We don't care about your tax returns. We care about your equity.

We're an Australian-owned business that works directly with our lending partner. Your application data is encrypted with 256-bit SSL. The loan documents are prepared by qualified professionals, and you'll receive a formal letter of offer with every term spelled out before you commit to anything. You're welcome to have your solicitor review it.