Full Doc Commercial Loans

For people that are able to demonstrate serviceability via Financial Statements and Tax Returns, We are able to negotiate competitive rates based on a margin above Bank Bill Rates (BBR) up to an LVR of circa 75%. This type of loan can be secured against most security properties be it residential, commercial, industrial or retail in nature. Locations throughout Australia and any loan size can be considered.

Lite Doc Commercial Loans

For people who, for various reasons, cannot provide up to date Financial Statements and Tax Returns, we are able to source Lite Doc Commerical Loans both in the institutional markets with major banks but also in the secondary market via established relationships with various mortgage funds, private lenders and investors. An accountant's letter and/or recent Business Activity Statements are usually required to support your ability to service the loan. Alternatively, if the security property is able to generate sufficient rental income to service the debt this can also be taken to support the loan.

This type of loan can be secured against most security types and LVR's of up to 75% can be achieved although an LVR of 65% is preferred. Loan amounts of up to $10,000,000 can be considered. Security property locations generally need to be capital cities or regional centres with a minimum population of 20,000 people.

Full Doc Construction Loans

We help in structuring and sourcing funds for construction and development projects throughout Australia. Full Doc construction loans provide funding LVRs of up to 80% of Total Costs and loan amounts of up to $100million. This facility requires a minimum or 50% presales (for projects over 10 units) and at least 2 years of up to date Financial Statements and Tax Returns.

Owner-builders can be considered with a full Corporate Profile/Resume demonstrating they have the experience commensurate with the proposed development.

Lo Doc Construction Loans

In addition to the traditional institutionally funded Full Doc Construction facility, outsource has access to non bank sources that provide construction funds against the Projects "On Completion Value" otherwise known as the "Gross Realisation Value (GRV)". This type of lending is typically much more flexible in terms of the level of presales required prior to funding as well as the level of financial information required to access the loan.

In the prevailing market, LVR's of up to 70% of Gross Realisation net of GST and loan amounts of under $20million are being considered.

Short Term Finance

For people that require urgent financing, we can arrange Short Term loans. This type of lending is sourced via Private Lenders and is typically more costly than traditional funding but will occur within shorter timeframes. This product is particularly attractive to clients who have healthy net asset positions but are experiencing temporary cash flow concerns.

This product is only available for business or investment use.

Help kick start your business - We can help with your finance for new business investments, expansions, acquisitions and also provide working capital.

We can provide fast and efficient quotes from reputable and competitive asset finance providers. We utilise a panel of leading asset and leasing finance providers. You are able to lease a vast range of assets as long as the asset is used for predominantly business purposes.

Some examples include:
Vehicles (passenger) - includes passenger vehicles and small commercial vehicles which are able to carry less than one tonne.

Vehicles (other) - planes, buses, trucks, utilities.

Earthmoving equipment - backhoes, bulldozers, excavators, graders, loaders and rollers.

Fixed equipment - computers, printing press etc.

Furniture and fittings - professional fit outs, demountable partitions, desks, chairs.

Reverse mortgages allow you to borrow cash against the value of their home. You usually don't have to make regular repayments until either you leave and move into care, sell you home or pass away. There are various eligibility criteria for these types of loans.

Contact us to discuss more.

We all know circumstances change and what was once competitive, may now be uncompetitive. Review your current loans to ensure they still have the right product for their needs.

Ask about our FREE mortgage health checks.

Speak to us about reviewing your loan, including:

• extending your repayment time
• refinancing at a lower rate
• changing your repayment structure
• considering fixed or variable, or a 'split' loan to take advantage of both options.

Whether a first home, renovating or purchasing an investment/owner occupied property, We can help you find a loan and payment structure that suits your current needs.