Commercial Rate Watch
Note 1: All products (except Red) offer the same rates for P&I and Interest Only on Commercial Securities. Risk Fee is shown on Line 3 (below maximum loan size).
Note 2: Rates and fees are subject to change at any time without notice.
Note 3: There are no annual reviews - they are Set & Forget facilities using commercial property as security. There are no Fixed & Floating Charges over business assets. No Revaluations. Cash Out allowed on most loans.
Note 4: Commercial construction and vacant land can be found in Construction/Land Rate Watch. Commercial SMSF can be found in the SMSF Rate Watch.
Alt Doc
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy | Navy Comm Altdoc | 7.84% $3,000,000 [0.50%] | 7.84% $3,000,000 [0.50%] | 8.04% $2,000,000 [0.50%] | 8.44% $2,000,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | | |||
| Navy | Navy CommRes Bullet 65 | 8.99% $2,500,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | IO | 24 mths | 3 yrs | $150,000 | $2,500,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Ocean | Comm Diamond A Altdoc | 7.99% $3,000,000 [N/A] | 8.19% $3,000,000 [N/A] | 8.49% $3,000,000 [N/A] | 8.49% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.00% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | |||
| Ocean | Comm Diamond A Altdoc >75% LVR | 9.19% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1 | Nil | 1.00% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | BNE, SYD, MEL Select Postcodes Only for 80% LVR | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||||
| Ocean | Comm Prime MaX Altdoc A | 8.24% $5,000,000 [N/A] | 8.44% $5,000,000 [N/A] | 8.64% $4,000,000 [N/A] | 28 May 2025 | - | Nil mths | - | 1 | Nil | 1.25% | OO, INV | IO, PI | 24 mths | 30 yrs | $3,000,000 | $5,000,000 | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||
| Ocean | Ocean Commercial Flip | 8.99% $3,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $3,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | | ||||||
| Ocean | Ocean Residential Flip | 8.49% $5,000,000 [Nil] | 8.49% $2,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $5,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | Cat 1 Only | | |||||
| Purple | Comm A Altdoc | 8.04% $3,000,000 [Nil] | 8.24% $3,000,000 [Nil] | 8.39% $3,000,000 [Nil] | 8.54% $3,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Most major regional locations considered | Will accept loans in individual names. | |||
| Purple | Comm A Altdoc Max | 8.44% $10,000,000 [Nil] | 8.44% $10,000,000 [Nil] | 8.54% $10,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most major regional locations considered | Will accept loans in individual names. | ||||
| Red | Comm Prime Altdoc PI | 8.15% $3,000,000 [0.50%] | 8.15% $3,000,000 [0.50%] | 8.34% $3,000,000 [0.50%] | 8.49% $3,000,000 [0.50%] | 8.74% $3,000,000 [0.50%] | 9.34% $3,000,000 [1.0%] | 5 Jun 2025 | - | Nil mths | - | 1, 2 | 0.15% | Nil | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | ETF 2.0% inside 3 yrs.| | |
| Investor | ||||||||||||||||||||||
| Navy | Navy Comm Altdoc | 7.84% $3,000,000 [0.50%] | 7.84% $3,000,000 [0.50%] | 8.04% $2,000,000 [0.50%] | 8.44% $2,000,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | | |||
| Navy | Navy Comm Quick Doc 50 - Land | 9.99% $3,000,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | INV | IO | 24 mths | 2 yrs | $150,000 | $3,000,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Navy | Navy Comm Quick Doc 65 | 9.99% $3,000,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | INV | IO | 24 mths | 2 yrs | $150,000 | $3,000,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Navy | Navy CommRes Bullet 65 | 8.99% $2,500,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | IO | 24 mths | 3 yrs | $150,000 | $2,500,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Ocean | Comm Diamond A Altdoc | 7.99% $3,000,000 [N/A] | 8.19% $3,000,000 [N/A] | 8.49% $3,000,000 [N/A] | 8.49% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.00% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | |||
| Ocean | Comm Diamond A Altdoc >75% LVR | 9.19% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1 | Nil | 1.00% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | BNE, SYD, MEL Select Postcodes Only for 80% LVR | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||||
| Ocean | Comm Prime MaX Altdoc A | 8.24% $5,000,000 [N/A] | 8.44% $5,000,000 [N/A] | 8.64% $4,000,000 [N/A] | 28 May 2025 | - | Nil mths | - | 1 | Nil | 1.25% | OO, INV | IO, PI | 24 mths | 30 yrs | $3,000,000 | $5,000,000 | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||
| Ocean | Ocean Commercial Flip | 8.99% $3,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $3,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | | ||||||
| Ocean | Ocean Residential Flip | 8.49% $5,000,000 [Nil] | 8.49% $2,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $5,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | Cat 1 Only | | |||||
| Purple | Comm A Altdoc | 8.04% $3,000,000 [Nil] | 8.24% $3,000,000 [Nil] | 8.39% $3,000,000 [Nil] | 8.54% $3,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Most major regional locations considered | Will accept loans in individual names. | |||
| Purple | Comm A Altdoc Max | 8.44% $10,000,000 [Nil] | 8.44% $10,000,000 [Nil] | 8.54% $10,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most major regional locations considered | Will accept loans in individual names. | ||||
| Red | Comm Prime Altdoc PI | 8.15% $3,000,000 [0.50%] | 8.15% $3,000,000 [0.50%] | 8.34% $3,000,000 [0.50%] | 8.49% $3,000,000 [0.50%] | 8.74% $3,000,000 [0.50%] | 9.34% $3,000,000 [1.0%] | 5 Jun 2025 | - | Nil mths | - | 1, 2 | 0.15% | Nil | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | ETF 2.0% inside 3 yrs.| | |
Near Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Ocean | Comm Emerald B Altdoc | 8.39% $3,000,000 [N/A] | 8.59% $3,000,000 [N/A] | 8.89% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.00% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||
| Ocean | Comm Emerald B Altdoc >70% LVR | 8.89% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.25% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||||
| Investor | ||||||||||||||||||||||
| Ocean | Comm Emerald B Altdoc | 8.39% $3,000,000 [N/A] | 8.59% $3,000,000 [N/A] | 8.89% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.00% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||
| Ocean | Comm Emerald B Altdoc >70% LVR | 8.89% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.25% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||||
Flip Loan
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy | Navy CommRes Bullet 65 | 8.99% $2,500,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | IO | 24 mths | 3 yrs | $150,000 | $2,500,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Ocean | Ocean Commercial Flip | 8.99% $3,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $3,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | | ||||||
| Ocean | Ocean Residential Flip | 8.49% $5,000,000 [Nil] | 8.49% $2,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $5,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | Cat 1 Only | | |||||
| Red | Red Commercial Solution Flip | 9.25% $7,000,000 [Nil] | 9.90% $7,000,000 [Nil] | 5 Jun 2025 | - | Nil mths | - | 1 | - | 1.825% | OO, INV | IO | 12 mths | 2 yrs | $500,000 | $7,000,000 | ETF of 2.0% if discharged in <half of contracted term | ATO Debts OK | Cash Out OK | Company, Trusts & Individual OK | Min Term 6 months | Max 2 missed payments in last 6 mths | Minor- Moderate impairment considered | UNREGULATED ONLY | | |||||
| Investor | ||||||||||||||||||||||
| Navy | Navy Comm Quick Doc 50 - Land | 9.99% $3,000,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | INV | IO | 24 mths | 2 yrs | $150,000 | $3,000,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Navy | Navy Comm Quick Doc 65 | 9.99% $3,000,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | INV | IO | 24 mths | 2 yrs | $150,000 | $3,000,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Navy | Navy CommRes Bullet 65 | 8.99% $2,500,000 [1.50%] | 2 Jun 2025 | - | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | IO | 24 mths | 3 yrs | $150,000 | $2,500,000 | UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. | | ||||||
| Ocean | Ocean Commercial Flip | 8.99% $3,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $3,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | | ||||||
| Ocean | Ocean Residential Flip | 8.49% $5,000,000 [Nil] | 8.49% $2,000,000 [Nil] | 22 May 2025 | - | Nil mths | - | 1 | - | 1.50% | OO, INV | IO | 24 mths | 2 yrs | $500,000 | $5,000,000 | UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | Cat 1 Only | | |||||
| Red | Red Commercial Solution Flip | 9.25% $7,000,000 [Nil] | 9.90% $7,000,000 [Nil] | 5 Jun 2025 | - | Nil mths | - | 1 | - | 1.825% | OO, INV | IO | 12 mths | 2 yrs | $500,000 | $7,000,000 | ETF of 2.0% if discharged in <half of contracted term | ATO Debts OK | Cash Out OK | Company, Trusts & Individual OK | Min Term 6 months | Max 2 missed payments in last 6 mths | Minor- Moderate impairment considered | UNREGULATED ONLY | | |||||
Full Doc
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Navy | Navy Commercial | 7.29% $3,000,000 [0.50%] | 7.49% $2,000,000 [0.50%] | 7.89% $2,000,000 [0.50%] | 7.89% $1,500,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | 😊😊 | |||
| Navy | Navy ndis Commercial | 8.29% $3,000,000 [0.50%] | 8.29% $3,000,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1 | Nil | $990 | OO, INV, ndis | PI | 12 mths | yrs | $100,000 | $3,000,000 | Min. 3 lockable units - 5 or more bedrooms | Must have SDA Agreement | Must be min. 50% tenanted | Postcode restrictions apply | | |||||
| Ocean | Comm Diamond A | 7.44% $3,000,000 [N/A] | 7.44% $3,000,000 [N/A] | 7.94% $3,000,000 [N/A] | 7.94% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 0.85% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | 1.0% App Fee | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | |||
| Ocean | Comm Diamond A >75% LVR | 8.44% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1 | Nil | 1.00% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | BNE, SYD, MEL Select Postcodes Only for 80% LVR | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||||
| Ocean | Comm Prime MaX A | 7.74% $5,000,000 [N/A] | 7.94% $5,000,000 [N/A] | 8.39% $4,000,000 [N/A] | 28 May 2025 | - | Nil mths | - | 1 | Nil | 1.25% | OO, INV | IO, PI | 24 mths | 30 yrs | $3,000,000 | $5,000,000 | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||
| Purple | Comm FD A | 7.54% $3,000,000 [Nil] | 7.79% $3,000,000 [Nil] | 7.79% $3,000,000 [Nil] | 8.04% $3,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $1,000,000 | $3,000,000 | Most major regional locations considered | Will accept loans in individual names. | |||
| Purple | Comm FD Max A | 7.94% $10,000,000 [Nil] | 8.14% $10,000,000 [Nil] | 8.34% $10,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most major regional locations considered | Will accept loans in individual names. | ||||
| Red | Comm Prime PI | 7.60% $3,000,000 [0.50%] | 7.60% $3,000,000 [0.50%] | 8.00% $3,000,000 [0.50%] | 8.00% $3,000,000 [0.50%] | 8.30% $3,000,000 [0.50%] | 8.90% $3,000,000 [1.0%] | 5 Jun 2025 | - | Nil mths | - | 1, 2 | 0.15% | Nil | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Legals: $995 Individual Borrowers - $1200 Company Borrowers - $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | 2.0% ETF inside 3 yrs. | | |
| Investor | ||||||||||||||||||||||
| Navy | Navy Commercial | 7.29% $3,000,000 [0.50%] | 7.49% $2,000,000 [0.50%] | 7.89% $2,000,000 [0.50%] | 7.89% $1,500,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1, 2 | Nil | $990 | OO, INV | PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | 😊😊 | |||
| Navy | Navy ndis Commercial | 8.29% $3,000,000 [0.50%] | 8.29% $3,000,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1 | Nil | $990 | OO, INV, ndis | PI | 12 mths | yrs | $100,000 | $3,000,000 | Min. 3 lockable units - 5 or more bedrooms | Must have SDA Agreement | Must be min. 50% tenanted | Postcode restrictions apply | | |||||
| Ocean | Comm Diamond A | 7.44% $3,000,000 [N/A] | 7.44% $3,000,000 [N/A] | 7.94% $3,000,000 [N/A] | 7.94% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 0.85% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | 1.0% App Fee | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | |||
| Ocean | Comm Diamond A >75% LVR | 8.44% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1 | Nil | 1.00% | OO, INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | BNE, SYD, MEL Select Postcodes Only for 80% LVR | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||||
| Ocean | Comm Prime MaX A | 7.74% $5,000,000 [N/A] | 7.94% $5,000,000 [N/A] | 8.39% $4,000,000 [N/A] | 28 May 2025 | - | Nil mths | - | 1 | Nil | 1.25% | OO, INV | IO, PI | 24 mths | 30 yrs | $3,000,000 | $5,000,000 | 1.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | | ||||
| Purple | Comm FD A | 7.54% $3,000,000 [Nil] | 7.79% $3,000,000 [Nil] | 7.79% $3,000,000 [Nil] | 8.04% $3,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $1,000,000 | $3,000,000 | Most major regional locations considered | Will accept loans in individual names. | |||
| Purple | Comm FD Max A | 7.94% $10,000,000 [Nil] | 8.14% $10,000,000 [Nil] | 8.34% $10,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | OO, INV | IO, PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | Most major regional locations considered | Will accept loans in individual names. | ||||
| Red | Comm Prime PI | 7.60% $3,000,000 [0.50%] | 7.60% $3,000,000 [0.50%] | 8.00% $3,000,000 [0.50%] | 8.00% $3,000,000 [0.50%] | 8.30% $3,000,000 [0.50%] | 8.90% $3,000,000 [1.0%] | 5 Jun 2025 | - | Nil mths | - | 1, 2 | 0.15% | Nil | OO, INV | PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Legals: $995 Individual Borrowers - $1200 Company Borrowers - $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | 2.0% ETF inside 3 yrs. | | |
Near Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||||
| Ocean | Comm Emerald B | 7.99% $3,000,000 [N/A] | 7.99% $3,000,000 [N/A] | 8.24% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.00% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||
| Ocean | Comm Emerald B >70% LVR | 8.24% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.25% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||||
| Investor | ||||||||||||||||||||||
| Ocean | Comm Emerald B | 7.99% $3,000,000 [N/A] | 7.99% $3,000,000 [N/A] | 8.24% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.00% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||
| Ocean | Comm Emerald B >70% LVR | 8.24% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.25% | OO, INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR | | ||||||
Leasedoc
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | ||||||||||||||||||||||
| Navy | Navy Leasedoc | 7.29% $3,000,000 [0.50] | 7.29% $3,000,000 [0.50%] | 7.49% $3,000,000 [0.50%] | 2 Jun 2025 | 30 Jun 2025 | Nil mths | - | 1, 2 | 0.30% | $990 | INV | PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | Can accept New Lease with min 1 Yr term | | ||||
| Ocean | Diamond A Leasedoc | 7.44% $3,000,000 [N/A] | 7.44% $3,000,000 [N/A] | 7.94% $3,000,000 [N/A] | 7.94% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 0.85% | INV | IO, PI | 24 mths | 30 yrs | $100,000 | $3,000,000 | 1.4x Int Cover using Net Rent & Actual rate | Refer Cash Out | 3 yrs incl options to run | No Proof of Lease Payments Required | New Purchase OK | App Fee 1.00% | ERF Waiver Fee - add 0.50% to App Fee | | |||
| Purple | Leasedoc A | 7.54% $3,000,000 [Nil] | 7.79% $3,000,000 [Nil] | 7.79% $3,000,000 [Nil] | 8.04% $3,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | No Clawback | 1, 2, 3, 4 | Nil | 1.5% | INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | All locations considered | Individual names OK. | 1.2x Int Cover - actual rate & repayments using Net Rent | 1 Yr to run | Min 6 mths proof of payments | Related parties allowed | | |||
| Purple | Leasedoc A Max | 7.94% $10,000,000 [Nil] | 8.14% $10,000,000 [Nil] | 8.34% $10,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | INV | IO, PI | 12 mths | 30 yrs | $3,000,000 | $10,000,000 | All locations considered. Individual names OK. 1.2x Int Cover - actual rate & repayments using Net Rent. 1 Yr to run ; Min 6 mths proof of payments. Related parties allowed. | ||||
Near Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | ABN | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | ||||||||||||||||||||||
| Ocean | Emerald B Leasedoc | 7.99% $3,000,000 [N/A] | 8.04% $3,000,000 [N/A] | 8.24% $3,000,000 [N/A] | 8.24% $3,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.25% | INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Cat 1 & 2 locations only | 1.4x Int Cover using Net Rent | Actual rate | 2 yrs incl options to run | App Fee 1.25% to 70% LVR | |||
| Ocean | Onyx C Leasedoc | 8.49% $3,000,000 [N/A] | 8.54% $3,000,000 [N/A] | 8.74% $2,000,000 [N/A] | 22 May 2025 | - | Nil mths | - | 1, 2 | Nil | 1.50% | INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | Cat 1 & 2 locations only. 1.4x Int Cover using Net Rent | Actual rate. Refer Cash Out. New Lease or <1yr incl options to run. | ||||
| Purple | Leasedoc B | 7.94% $3,000,000 [Nil] | 8.14% $3,000,000 [Nil] | 8.24% $3,000,000 [Nil] | 8.54% $3,000,000 [Nil] | 1 Jul 2025 | - | Nil mths | - | 1, 2, 3, 4 | Nil | 1.5% | INV | IO, PI | 12 mths | 30 yrs | $100,000 | $3,000,000 | All locations considered. Individual names OK. 1.2x Int Cover - actual rate & repayments using Net Rent. 1 Yr to run ; Min 6 mths proof of payments. Related parties allowed. | |||