- Mon - Sat: 8.00 - 18.00
- 18 Banfield St, Chermside
- +61-MCPHERSON
Real Estate Loans
Our Real Estate Loans finance acquisition, construction, renovation, and refinancing of commercial or residential investment properties. We offer bridge-style and term mortgage structures with competitive LTVs and flexible amortization.
Typical Terms
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Feature
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Details
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|---|---|
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Amount
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$100,000 – $50,000,000
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12 – 60 months
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Interest Rate
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SOFR + 2.5 % – SOFR + 5 %
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Origination Fee
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Maximum LTV
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Up to 75 % for stabilized assets
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Funding Time
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2 – 4 weeks after term sheet signing
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Recourse Flexible
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(recourse and non-recourse options)
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Eligibility Criteria
- Property Type: Commercial, multifamily, mixed-use, or single-family investment
- Borrower Experience: Prior real estate investment preferred
- Minimum DSCR: ≥ 1.20 (for cash-flowing properties)
- Property Condition: Must meet minimum habitability standards
Required Documentation
- Purchase agreement or current mortgage statement
- Property appraisal or recent broker’s price opinion
- Rent roll and operating statements (for income properties)
- Developer construction budget and timeline (for new builds)
- Personal financial statement of principal(s)
Financial Services
We help financial institutions, from banking and insurance to wealth.
Government Services
We help financial institutions, from banking and insurance to wealth.
Financial Services
We help financial institutions, from banking and insurance to wealth.
Natural Resources
We help financial institutions, from banking and insurance to wealth.
“Real estate is the closest thing to a proverbial pot of gold. It’s not just about bricks and mortar—it’s about financing dreams, building communities, and creating lasting wealth. The most successful investors understand that access to capital isn’t just leverage—it’s freedom. What you do with that freedom defines your legacy.”Sam Zell, billionaire real estate investor and founder of Equity Group Investments
FAQ's
How quickly can I close?
Business Loans: 24–72 hours; Real Estate Loans: 2–4 weeks; Hard Money: 5–10 business days.
Do you require personal guarantees?
Business Loans generally require a personal guarantee; Real Estate and Hard Money loans may be non-recourse on qualifying deals.
Can I pay off early without penalty?
Yes—prepayment is allowed on all products without penalties or exit fees.
What if I have less-than-perfect credit?
Hard Money Loans focus on collateral value, not credit score. Business and Real Estate Loans consider credit as one of multiple factors.
Is there an application fee?
No upfront application fees. We charge only the origination fee upon funding.
Can startups apply?
Business Loans require ≥ 1 year operating history; Real Estate and Hard Money loans can fund newly formed entities if collateral is strong.
What happens after I apply?
You’ll receive a dedicated loan specialist who guides you through document collection, underwriting questions, and closing logistics.