First Mortgage
Full Parameters
Everything you need before submitting a first mortgage deal. All parameters are indicative - we may work outside these limits depending on the strength of the deal.
Lending Parameters
All parameters are indicative and subject to final credit assessment. We may work outside these parameters depending on the strength of the deal.
Qualifying Locations
We lend across Australia's East Coast. Location affects the maximum LVR we'll apply. Other locations are considered on a case-by-case basis and may attract adjusted LVRs.
Major Cities
Sydney (50km radius), Melbourne (35km), Brisbane (20km), Gold Coast (20km), Canberra (10km)
Regional Cities
Newcastle, Wollongong, Geelong, Central Coast NSW
Destinational
Byron Bay, Southern Highlands, Mornington Peninsula, Noosa
Other locations considered case by case and may attract adjusted LVRs and pricing.
What we need from you
We aim to give indicative terms within 24 business hours. To do that, we need the following minimum information at the point of submission.
- ✓Brief scenario summary - what does the borrower need and why?
- ✓Property details - address, type, current use, tenancy details (if applicable)
- ✓Loan amount requested and desired term
- ✓Current valuation or recent sale evidence
- ✓Existing encumbrances - lender name, balance, and limit
- ✓Borrower profile - name, entity structure, brief background
- ✓Exit strategy - sale, refinance, or liquidity event?
Want to discuss a specific scenario?
Parameters are a guide - not every deal fits neatly inside them. If you have a scenario that looks close, or one that's genuinely unusual, give us a call or submit the deal and let us take a look.