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Commercial Rate Watch

Note 1: All products (except RedZed) offer the same rates for P&I and Interest Only on Commercial Securities.

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.

Doc Type

Rate Type

Funder

Occupancy Type

Alt Doc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Effective Date Clawback Occupancy Repayments ABN Period Max Term Max Loan Notes
Owner Occupier
Navy (BC Invest)Navy Comm Altdoc8.54%
$3,000,000
8.69%
$3,000,000
8.79%
$2,000,000
9.14%
$1,500,000
13 Mar 2024-OO, INVPI24 mths30 yrs$3,000,000App Fee $990 | Min. Term - 3 Yrs | Add 0.30% for Int Only | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC |
Ocean (ORDE)Comm Diamond A Altdoc8.49%
$2,000,000
8.69%
$2,000,000
8.99%
$2,000,000
9.24%
$2,000,000
5 Dec 2023-OO, INVIO, PI24 mths30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.0% App Fee.
Purple (La Trobe)Comm A Altdoc8.54%
$3,000,000
8.69%
$3,000,000
8.89%
$3,000,000
9.14%
$3,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Purple (La Trobe)Comm A Altdoc Max8.79%
$5,000,000
8.89%
$5,000,000
9.04%
$5,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$5,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Red (RedZed)Comm Prime Altdoc PI8.55%
$3,000,000
8.55%
$3,000,000
8.74%
$3,000,000
8.89%
$3,000,000
9.14%
$3,000,000
15 Feb 2024-OO, INVPI12 mths30 yrs$3,000,000App Fee: 1.0% | Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m.
Investor
Navy (BC Invest)Navy Comm Altdoc8.54%
$3,000,000
8.69%
$3,000,000
8.79%
$2,000,000
9.14%
$1,500,000
13 Mar 2024-OO, INVPI24 mths30 yrs$3,000,000App Fee $990 | Min. Term - 3 Yrs | Add 0.30% for Int Only | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC |
Ocean (ORDE)Comm Diamond A Altdoc8.49%
$2,000,000
8.69%
$2,000,000
8.99%
$2,000,000
9.24%
$2,000,000
5 Dec 2023-OO, INVIO, PI24 mths30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.0% App Fee.
Purple (La Trobe)Comm A Altdoc8.54%
$3,000,000
8.69%
$3,000,000
8.89%
$3,000,000
9.14%
$3,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Purple (La Trobe)Comm A Altdoc Max8.79%
$5,000,000
8.89%
$5,000,000
9.04%
$5,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$5,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Red (RedZed)Comm Prime Altdoc PI8.55%
$3,000,000
8.55%
$3,000,000
8.74%
$3,000,000
8.89%
$3,000,000
9.14%
$3,000,000
15 Feb 2024-OO, INVPI12 mths30 yrs$3,000,000App Fee: 1.0% | Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m.
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%Effective Date Clawback Occupancy Repayments ABN Period Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Comm Emerald B Altdoc8.89%
$2,000,000
9.09%
$2,000,000
9.39%
$2,000,000
9.64%
$2,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee.
Investor
Ocean (ORDE)Comm Emerald B Altdoc8.89%
$2,000,000
9.09%
$2,000,000
9.39%
$2,000,000
9.64%
$2,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee.

Full Doc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Effective Date Clawback Occupancy Repayments ABN Period Max Term Max Loan Notes
Owner Occupier
Navy (BC Invest)Navy Commercial8.04%
$3,000,000
8.19%
$3,000,000
8.29%
$2,000,000
8.64%
$1,500,000
13 Mar 2024-OO, INVPI24 mths30 yrs$3,000,000App Fee $990 | Min. Term - 3 Yrs | Add 0.30% for Int Only | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | 😊😊
Ocean (ORDE)Comm Diamond A8.09%
$2,000,000
8.14%
$2,000,000
8.34%
$2,000,000
8.64%
$2,000,000
5 Dec 2023-OO, INVIO, PI24 mths30 yrs$2,000,0001.0% App Fee | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only.
Purple (La Trobe)Comm A8.04%
$3,000,000
8.29%
$3,000,000
8.29%
$3,000,000
8.54%
$3,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Purple (La Trobe)Comm A Max8.29%
$5,000,000
8.59%
$5,000,000
8.69%
$5,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$5,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Red (RedZed)Comm Prime - Interest Only8.40%
$3,000,000
8.40%
$3,000,000
8.70%
$3,000,000
8.70%
$3,000,000
9.10%
$3,000,000
15 Feb 2024-OO, INVIO12 mths30 yrs$3,000,000Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | INTEREST ONLY.
Red (RedZed)Comm Prime PI8.15%
$3,000,000
8.15%
$3,000,000
8.45%
$3,000,000
8.45%
$3,000,000
8.85%
$3,000,000
15 Feb 2024-OO, INVPI12 mths30 yrs$3,000,000App Fee: 0.75% | Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m.
Investor
Navy (BC Invest)Navy Commercial8.04%
$3,000,000
8.19%
$3,000,000
8.29%
$2,000,000
8.64%
$1,500,000
13 Mar 2024-OO, INVPI24 mths30 yrs$3,000,000App Fee $990 | Min. Term - 3 Yrs | Add 0.30% for Int Only | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | 😊😊
Ocean (ORDE)Comm Diamond A8.09%
$2,000,000
8.14%
$2,000,000
8.34%
$2,000,000
8.64%
$2,000,000
5 Dec 2023-OO, INVIO, PI24 mths30 yrs$2,000,0001.0% App Fee | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only.
Purple (La Trobe)Comm A8.04%
$3,000,000
8.29%
$3,000,000
8.29%
$3,000,000
8.54%
$3,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Purple (La Trobe)Comm A Max8.29%
$5,000,000
8.59%
$5,000,000
8.69%
$5,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$5,000,000Most major regional locations considered | Will accept loans in individual names | 1.50% App Fee
Red (RedZed)Comm Prime - Interest Only8.40%
$3,000,000
8.40%
$3,000,000
8.70%
$3,000,000
8.70%
$3,000,000
9.10%
$3,000,000
15 Feb 2024-OO, INVIO12 mths30 yrs$3,000,000Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | INTEREST ONLY.
Red (RedZed)Comm Prime PI8.15%
$3,000,000
8.15%
$3,000,000
8.45%
$3,000,000
8.45%
$3,000,000
8.85%
$3,000,000
15 Feb 2024-OO, INVPI12 mths30 yrs$3,000,000App Fee: 0.75% | Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m.
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%Effective Date Clawback Occupancy Repayments ABN Period Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Comm Emerald B8.49%
$2,000,000
8.54%
$2,000,000
8.74%
$2,000,000
9.04%
$2,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee.
Investor
Ocean (ORDE)Comm Emerald B8.49%
$2,000,000
8.54%
$2,000,000
8.74%
$2,000,000
9.04%
$2,000,000
5 Dec 2023-OO, INVIO, PI12 mths30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee.

Leasedoc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Effective Date Clawback Occupancy Repayments ABN Period Max Term Max Loan Notes
Investor
Navy (BC Invest)Navy Leasedoc8.29%
$3,000,000
8.34%
$3,000,000
13 Mar 2024-INVPI24 mths30 yrs$3,000,000App Fee $550 | Min. Term - 3 Yrs | Add 0.30% for Int Only | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC |
Ocean (ORDE)Diamond A Leasedoc8.09%
$2,000,000
8.14%
$2,000,000
8.34%
$2,000,000
8.64%
$2,000,000
5 Dec 2023-INVPI24 mths30 yrs$2,000,000Cat 1 & 2 locations | 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%
Purple (La Trobe)Leasedoc A8.04%
$3,000,000
8.29%
$3,000,000
8.29%
$3,000,000
8.54%
$3,000,000
5 Dec 2023-INVIO, PI12 mths30 yrs$3,000,000All 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 | App Fee 1.50%
Purple (La Trobe)Leasedoc A Max8.29%
$5,000,000
8.59%
$5,000,000
8.69%
$5,000,000
5 Dec 2023-INVIO, PI12 mths30 yrs$5,000,000All 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 Name50%55%60%65%70%75%80%Effective Date Clawback Occupancy Repayments ABN Period Max Term Max Loan Notes
Investor
Ocean (ORDE)Emerald B Leasedoc8.49%
$2,000,000
8.54%
$2,000,000
8.74%
$2,000,000
9.04%
$2,000,000
5 Dec 2023-INVPI12 mths30 yrs$2,000,000Cat 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 (ORDE)Onyx C Leasedoc8.99%
$2,000,000
9.04%
$2,000,000
9.24%
$2,000,000
5 Dec 2023-INVPI12 mths30 yrs$2,000,000Cat 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 (La Trobe)Leasedoc B8.34%
$3,000,000
8.54%
$3,000,000
8.64%
$3,000,000
8.94%
$3,000,000
5 Dec 2023-INVIO, PI12 mths30 yrs$3,000,000All 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.