Construction / Land Rate Watch
Cabernet provide full doc construction loans to 90% LVR (85% for Xpats), while Ocean & Purple provide both Altdoc and full doc construction loans to 80% LVR.
Rate to Borrower is the top line, Comparison Rate is in bracketed italics on the 2nd line, maximum loan size for the applicable LVR is on the 3rd line, Risk Fee is the 4th line in [brackets]. If a dash (-) appears in the Clawback column, there is no Clawback on that particular product. Some products (e.g. Purple) have the same rate for OO & Inv (no rate loading). Rates and fees are subject to change at any time without notice. Ocean, Purple (max 50% LVR) and Redzed all provide vacant land only loans for Altdoc or full doc with no requirement to build.
Alt Doc
Prime
| Loan Type | Loan Name | 50% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | |||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Ocean | Diamond Construction MaX - Var [Cat 1 ONLY] | 8.64% (8.81%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 9.04% (9.21%) $2,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $2,000,000 | $2,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊😊 | |||||
| Purple | Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | | ||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | Construction MaX - Var | 8.49% (8.88%) $10,000,000 [N/A] | 8.89% (9.28%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max $10m @ 75% LVR | | |||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
| Investor | |||||||||||||||||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | |||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Ocean | Diamond Construction MaX - Var [Cat 1 ONLY] | 8.64% (8.81%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 9.04% (9.21%) $2,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $2,000,000 | $2,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊😊 | |||||
| Purple | Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | | ||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | Construction MaX - Var | 8.49% (8.88%) $10,000,000 [N/A] | 8.89% (9.28%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max $10m @ 75% LVR | | |||||||
| Purple | Development Construction DC1 - $5m | 9.99% (10.22%) $5,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $300,000 | $5,000,000 | Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT | | ||||||||
| Purple | Development Construction DC2 - $15m [Mid] | 10.99% (11.22%) $15,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $5,000,000 | $15,000,000 | Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT | | ||||||||
| Purple | Development Construction DC3 - $25m [Max] | 10.99% (11.22%) $50,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $15,000,000 | $50,000,000 | Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT | | ||||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
| NDIS | |||||||||||||||||||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
| Vacant Land | |||||||||||||||||||||||
| Ocean | Diamond Land A - FD or AD | 8.39% (8.51%) $2,000,000 [N/A] | 8.59% (8.71%) $1,500,000 [N/A] | 8.59% (8.71%) $1,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.25% | VAC | PI | 30 yrs | $100,000 | $2,000,000 | No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | ERF Waiver Fee - add 0.50% to App Fee (company accounts) | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊 | ||||||
| Ocean | Vacant Land A - FD & AD Commercial | 9.89% (10.01%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.50% | VAC | IO, PI | 30 yrs | $100,000 | $2,000,000 | ERF applies to Unregulated Loans Only | ERF Waiver Fee - add 0.50% to App Fee | Cat 1 locations only | 1.25x ITC | Max 1 acre | | ||||||||
| Ocean | Vacant Land A - Residential HBU | 9.99% (10.07%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.50% | VAC | IO, PI | 30 yrs | $100,000 | $2,000,000 | ERF applies to Unregulated Loans Only | ERF Waiver Fee - add 0.50% to App Fee | Cat 1 locations only | 1.25x ITC | Max 1 acre | Land or uninhabitable dwellings deemed to be Highest & Best Use | | ||||||||
| Purple | Vacant Land - Altdoc A - [Cat 1 Metro] | 8.49% (8.80%) $3,000,000 [N/A] | 8.49% (8.80%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | 0.40% | 1.4% | VAC | IO | 2 yrs | $100,000 | $3,000,000 | Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional | Max 65% LVR - All | | |||||||
| Purple | Vacant Land - Altdoc A - [Cat 2 Regional] | 8.49% (8.80%) $3,000,000 [N/A] | 8.49% (8.80%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 2 | 0.40% | 1.4% | VAC | IO | 2 yrs | $100,000 | $3,000,000 | Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional | Max 65% LVR - All | | |||||||
| Construction | |||||||||||||||||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | |||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Ocean | Diamond Construction MaX - Var [Cat 1 ONLY] | 8.64% (8.81%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 9.04% (9.21%) $2,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $2,000,000 | $2,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊😊 | |||||
| Purple | Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | | ||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | Construction MaX - Var | 8.49% (8.88%) $10,000,000 [N/A] | 8.89% (9.28%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max $10m @ 75% LVR | | |||||||
| Purple | Development Construction DC1 - $5m | 9.99% (10.22%) $5,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $300,000 | $5,000,000 | Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT | | ||||||||
| Purple | Development Construction DC2 - $15m [Mid] | 10.99% (11.22%) $15,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $5,000,000 | $15,000,000 | Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT | | ||||||||
| Purple | Development Construction DC3 - $25m [Max] | 10.99% (11.22%) $50,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $15,000,000 | $50,000,000 | Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT | | ||||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
Near Prime
| Loan Type | Loan Name | 50% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.79% (8.94%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 9.19% (9.34%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 1 Yr ABN |😊😊😊 | |||||
| Investor | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.79% (8.94%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 9.19% (9.34%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 1 Yr ABN |😊😊😊 | |||||
| Vacant Land | |||||||||||||||||||||||
| Ocean | Emerald Land B - FD or AD - [Cat 1] | 8.79% (8.91%) $2,000,000 [N/A] | 8.99% (9.11%) $1,500,000 [N/A] | 8.99% (9.11%) $1,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.25% | VAC | PI | 30 yrs | $100,000 | $2,000,000 | No covenants or construction within 1 yr of land settlement | Max 5 acres | Rates shown are for Cat 1 only - Cat 2 available with lower loan sizes | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊 | ||||||
| Construction | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.79% (8.94%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 9.19% (9.34%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 1 Yr ABN |😊😊😊 | |||||
Full Doc
Prime
| Loan Type | Loan Name | 50% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||||
| Cabernet | FlexiBuild OO - Var Construction [Metro | Non-Metro] | 6.29% (6.74%) $3,500,000 | 6.29% (6.74%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.64% (7.21%) $3,500,000 [2.5%] | 6.89% (7.52%) $3,500,000 [3.75%] | 7.29% (8.00%) $3,500,000 [5.50%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | OO, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | |||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Ocean | Diamond Construction MaX - Var [Cat 1 ONLY] | 8.84% (9.01%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 9.04% (9.21%) $2,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $2,000,000 | $2,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊😊 | ||||||
| Purple | Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | | ||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | Construction MaX - Var | 8.49% (8.88%) $10,000,000 [N/A] | 8.89% (9.28%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max $10m @ 75% LVR | | |||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
| Investor | |||||||||||||||||||||||
| Cabernet | Co-Living Inv - Construction Commercial Var - [1-12 rooms] | 8.09% (8.51%) $3,000,000 | 11 May 2026 | - | 24 mths | Clawback | 1, 2 | Nil | $990 | INV, NDIS, CON | PI | 30 yrs | $50,000 | $3,000,000 | Max 12 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | Max Loan $2.5m to 65% - Regional | 😊😊 | ||||||||
| Cabernet | FlexiBuild Inv - Var Construction [Metro | Non-Metro] | 6.59% (7.03%) $3,500,000 | 6.59% (7.03%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.94% (7.53%) $3,500,000 [3.00%] | 7.19% (7.84%) $3,500,000 [4.25%] | 7.59% (8.32%) $3,500,000 [6.00%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Cabernet | FlexiBuild Inv - Var Construction [REGIONAL] | 6.59% (7.03%) $3,000,000 | 6.69% (7.13%) $2,000,000 | 11 May 2026 | - | 24 mths | Clawback | 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,000,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | 0.40% Rate Loading >80% LVR - reverts to P&I rate on completion | REGIONAL. | |||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | |||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Ocean | Diamond Construction MaX - Var [Cat 1 ONLY] | 8.84% (9.01%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 9.04% (9.21%) $2,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $2,000,000 | $2,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊😊 | ||||||
| Purple | Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | | ||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | Construction MaX - Var | 8.49% (8.88%) $10,000,000 [N/A] | 8.89% (9.28%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max $10m @ 75% LVR | | |||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
| NDIS | |||||||||||||||||||||||
| Cabernet | Co-Living Inv - Construction Commercial Var - [1-12 rooms] | 8.09% (8.51%) $3,000,000 | 11 May 2026 | - | 24 mths | Clawback | 1, 2 | Nil | $990 | INV, NDIS, CON | PI | 30 yrs | $50,000 | $3,000,000 | Max 12 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | Max Loan $2.5m to 65% - Regional | 😊😊 | ||||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
| Vacant Land | |||||||||||||||||||||||
| Ocean | Diamond Land A - FD or AD | 8.39% (8.51%) $2,000,000 [N/A] | 8.59% (8.71%) $1,500,000 [N/A] | 8.59% (8.71%) $1,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.25% | VAC | PI | 30 yrs | $100,000 | $2,000,000 | No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | ERF Waiver Fee - add 0.50% to App Fee (company accounts) | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊 | ||||||
| Ocean | Vacant Land A - FD & AD Commercial | 9.89% (10.01%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.50% | VAC | IO, PI | 30 yrs | $100,000 | $2,000,000 | ERF applies to Unregulated Loans Only | ERF Waiver Fee - add 0.50% to App Fee | Cat 1 locations only | 1.25x ITC | Max 1 acre | | ||||||||
| Ocean | Vacant Land A - Residential HBU | 9.99% (10.07%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.50% | VAC | IO, PI | 30 yrs | $100,000 | $2,000,000 | ERF applies to Unregulated Loans Only | ERF Waiver Fee - add 0.50% to App Fee | Cat 1 locations only | 1.25x ITC | Max 1 acre | Land or uninhabitable dwellings deemed to be Highest & Best Use | | ||||||||
| Purple | Vacant Land - Altdoc A - [Cat 2 Regional] | 8.49% (8.80%) $3,000,000 [N/A] | 8.49% (8.80%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 2 | 0.40% | 1.4% | VAC | IO | 2 yrs | $100,000 | $3,000,000 | Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional | Max 65% LVR - All | | |||||||
| Purple | Vacant Land - Full Doc A - [Cat 1 Metro] | 8.49% (8.80%) $3,000,000 [N/A] | 8.49% (8.80%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | 0.40% | 1.4% | VAC | IO | 2 yrs | $100,000 | $3,000,000 | Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional | Max 65% LVR - All | | |||||||
| Construction | |||||||||||||||||||||||
| Cabernet | Co-Living Inv - Construction Commercial Var - [1-12 rooms] | 8.09% (8.51%) $3,000,000 | 11 May 2026 | - | 24 mths | Clawback | 1, 2 | Nil | $990 | INV, NDIS, CON | PI | 30 yrs | $50,000 | $3,000,000 | Max 12 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | Max Loan $2.5m to 65% - Regional | 😊😊 | ||||||||
| Cabernet | FlexiBuild Inv - Var Construction [Metro | Non-Metro] | 6.59% (7.03%) $3,500,000 | 6.59% (7.03%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.94% (7.53%) $3,500,000 [3.00%] | 7.19% (7.84%) $3,500,000 [4.25%] | 7.59% (8.32%) $3,500,000 [6.00%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Cabernet | FlexiBuild Inv - Var Construction [REGIONAL] | 6.59% (7.03%) $3,000,000 | 6.69% (7.13%) $2,000,000 | 11 May 2026 | - | 24 mths | Clawback | 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,000,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | 0.40% Rate Loading >80% LVR - reverts to P&I rate on completion | REGIONAL. | |||||||
| Cabernet | FlexiBuild OO - Var Construction [Metro | Non-Metro] | 6.29% (6.74%) $3,500,000 | 6.29% (6.74%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.64% (7.21%) $3,500,000 [2.5%] | 6.89% (7.52%) $3,500,000 [3.75%] | 7.29% (8.00%) $3,500,000 [5.50%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | OO, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | |||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Ocean | Diamond Construction MaX - Var [Cat 1 ONLY] | 8.84% (9.01%) $2,500,000 [N/A] | 8.84% (9.01%) $2,500,000 [N/A] | 9.04% (9.21%) $2,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $2,000,000 | $2,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊😊 | ||||||
| Purple | Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | | ||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms | Cat 1 Only | | ||||||||
| Purple | Construction - Var Resi Co-Living MaX - [5 rooms max] | 8.49% (8.88%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Construction of Co-Living with Max 5 rooms Cat 1 Only | | ||||||||
| Purple | Construction MaX - Var | 8.49% (8.88%) $10,000,000 [N/A] | 8.89% (9.28%) $10,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.4% | OO, INV, CON | IO | 29 yrs | $3,000,000 | $10,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max $10m @ 75% LVR | | |||||||
| Purple | NDIS Construction - Var | 8.49% (8.88%) $3,000,000 [N/A] | 8.49% (8.88%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1, 2 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $3,000,000 | For NDIS property using Market Rental from Commercial Val (not ndis income) includes vacant possession on completion | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Altdoc or FD | 😊😊 | |||||||
Near Prime
| Loan Type | Loan Name | 50% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.79% (8.94%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 9.19% (9.34%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 1 Yr ABN |😊😊😊 | |||||
| Investor | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.79% (8.94%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 9.19% (9.34%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 1 Yr ABN |😊😊😊 | |||||
| Vacant Land | |||||||||||||||||||||||
| Ocean | Emerald Land B - FD or AD - [Cat 1] | 8.79% (8.91%) $2,000,000 [N/A] | 8.99% (9.11%) $1,500,000 [N/A] | 8.99% (9.11%) $1,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.25% | VAC | PI | 30 yrs | $100,000 | $2,000,000 | No covenants or construction within 1 yr of land settlement | Max 5 acres | Rates shown are for Cat 1 only - Cat 2 available with lower loan sizes | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊 | ||||||
| Construction | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.79% (8.94%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 8.99% (9.14%) $2,000,000 [N/A] | 9.19% (9.34%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 1 Yr ABN |😊😊😊 | |||||
1 Yr Returns
Prime
| Loan Type | Loan Name | 50% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||||
| Cabernet | FlexiBuild OO - Var Construction [Metro | Non-Metro] | 6.29% (6.74%) $3,500,000 | 6.29% (6.74%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.64% (7.21%) $3,500,000 [2.5%] | 6.89% (7.52%) $3,500,000 [3.75%] | 7.29% (8.00%) $3,500,000 [5.50%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | OO, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | ||||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Investor | |||||||||||||||||||||||
| Cabernet | FlexiBuild Inv - Var Construction [Metro | Non-Metro] | 6.59% (7.03%) $3,500,000 | 6.59% (7.03%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.94% (7.53%) $3,500,000 [3.00%] | 7.19% (7.84%) $3,500,000 [4.25%] | 7.59% (8.32%) $3,500,000 [6.00%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Cabernet | FlexiBuild Inv - Var Construction [REGIONAL] | 6.59% (7.03%) $3,000,000 | 6.69% (7.13%) $2,000,000 | 11 May 2026 | - | 24 mths | Clawback | 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,000,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | 0.40% Rate Loading >80% LVR - reverts to P&I rate on completion | REGIONAL. | |||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | ||||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
| Vacant Land | |||||||||||||||||||||||
| Ocean | Diamond Land A - FD or AD | 8.39% (8.51%) $2,000,000 [N/A] | 8.59% (8.71%) $1,500,000 [N/A] | 8.59% (8.71%) $1,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.25% | VAC | PI | 30 yrs | $100,000 | $2,000,000 | No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | ERF Waiver Fee - add 0.50% to App Fee (company accounts) | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊 | ||||||
| Purple | Vacant Land - Altdoc A - [Cat 2 Regional] | 8.49% (8.80%) $3,000,000 [N/A] | 8.49% (8.80%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 2 | 0.40% | 1.4% | VAC | IO | 2 yrs | $100,000 | $3,000,000 | Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional | Max 65% LVR - All | | |||||||
| Purple | Vacant Land - Full Doc A - [Cat 1 Metro] | 8.49% (8.80%) $3,000,000 [N/A] | 8.49% (8.80%) $3,000,000 [N/A] | 20 May 2026 | - | Nil mths | No Clawback | 1 | 0.40% | 1.4% | VAC | IO | 2 yrs | $100,000 | $3,000,000 | Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional | Max 65% LVR - All | | |||||||
| Construction | |||||||||||||||||||||||
| Cabernet | FlexiBuild Inv - Var Construction [Metro | Non-Metro] | 6.59% (7.03%) $3,500,000 | 6.59% (7.03%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.69% (7.13%) $3,500,000 | 6.94% (7.53%) $3,500,000 [3.00%] | 7.19% (7.84%) $3,500,000 [4.25%] | 7.59% (8.32%) $3,500,000 [6.00%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Cabernet | FlexiBuild Inv - Var Construction [REGIONAL] | 6.59% (7.03%) $3,000,000 | 6.69% (7.13%) $2,000,000 | 11 May 2026 | - | 24 mths | Clawback | 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $3,000,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | 0.40% Rate Loading >80% LVR - reverts to P&I rate on completion | REGIONAL. | |||||||
| Cabernet | FlexiBuild OO - Var Construction [Metro | Non-Metro] | 6.29% (6.74%) $3,500,000 | 6.29% (6.74%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.39% (6.84%) $3,500,000 | 6.64% (7.21%) $3,500,000 [2.5%] | 6.89% (7.52%) $3,500,000 [3.75%] | 7.29% (8.00%) $3,500,000 [5.50%] | 11 May 2026 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | OO, CON | PI | 30 yrs | $50,000 | $3,500,000 | 1 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | | ||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 8.39% (8.56%) $2,000,000 [N/A] | 8.59% (8.76%) $2,000,000 [N/A] | 8.79% (8.96%) $2,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $2,000,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 2Yr ABN |😊😊😊 | ||||||
| Ocean | Diamond Construction - Var [Cat 2 ONLY] | 8.39% (8.56%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.59% (8.76%) $1,500,000 [N/A] | 8.79% (8.96%) $1,500,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 2 | Nil | 1.25% | OO, INV, CON | IO | 30 yrs | $100,000 | $1,500,000 | Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs | Max 5 acres | Build must commence 3 mths of land settlement | 😊😊 | |||||
Near Prime
| Loan Type | Loan Name | 50% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 95% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vacant Land | |||||||||||||||||||||||
| Ocean | Emerald Land B - FD or AD - [Cat 1] | 8.79% (8.91%) $2,000,000 [N/A] | 8.99% (9.11%) $1,500,000 [N/A] | 8.99% (9.11%) $1,000,000 [N/A] | 11 May 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.25% | VAC | PI | 30 yrs | $100,000 | $2,000,000 | No covenants or construction within 1 yr of land settlement | Max 5 acres | Rates shown are for Cat 1 only - Cat 2 available with lower loan sizes | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊 | ||||||