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% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 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 | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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] | 7.89% (8.07%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.29% (8.46%) $2,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 7.99% (8.39%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.84% (8.24%) $10,000,000 [N/A] | 8.14% (8.54%) $10,000,000 [N/A] | 15 Sep 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | |||||||||||||||||||||||
| Navy | Navy Vacant Land - Comm ICAP | 10.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi | 8.99% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi ICAP | 9.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | IO | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply | | ||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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] | 7.89% (8.07%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.29% (8.46%) $2,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 7.99% (8.39%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.84% (8.24%) $10,000,000 [N/A] | 8.14% (8.54%) $10,000,000 [N/A] | 15 Sep 2025 | - | 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 | 9.59% (9.83%) $5,000,000 [N/A] | 15 Sep 2025 | - | 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] | 10.29% (10.52%) $15,000,000 [N/A] | 15 Sep 2025 | - | 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] | 10.59% (10.82%) $25,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $15,000,000 | $25,000,000 | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | 😊😊 | |||||||
| Red | R1a SE Prime Land - Altdoc A | 6.40% (6.63%) $750,000 [Nil] | 6.55% (6.78%) $750,000 [Nil] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.05% - 0.15% | 399 | INV, VAC | PI | 30 yrs | $100,000 | $750,000 | App Fee includes 1 val to $2m value payable @ settlement |Nil Risk Fee |Max 1 acre - Cat 1 | No covenants or construction within 2 yrs of settlement | 24 mth ABN with >2 yrs same industry experience | Offset Available | 😊😊 | |||||||
| NDIS | |||||||||||||||||||||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | |||||||||||||||||||||||
| Navy | Navy Vacant Land - Comm ICAP | 10.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi | 8.99% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi ICAP | 9.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | IO | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply | | ||||||||
| Ocean | Diamond Land A - FD or AD | 7.64% (7.76%) $2,000,000 [N/A] | 7.84% (7.96%) $1,500,000 [N/A] | 7.84% (7.96%) $1,000,000 [N/A] | 15 Aug 2025 | - | 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 | 9.44% (9.56%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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 | 9.24% (9.32%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (7.96%) $3,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3 | 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 1 Metro] | 7.99% (8.30%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.15%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | | ||||||||
| Red | R1a SE Prime Land - Altdoc A | 6.40% (6.63%) $750,000 [Nil] | 6.55% (6.78%) $750,000 [Nil] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.05% - 0.15% | 399 | INV, VAC | PI | 30 yrs | $100,000 | $750,000 | App Fee includes 1 val to $2m value payable @ settlement |Nil Risk Fee |Max 1 acre - Cat 1 | No covenants or construction within 2 yrs of settlement | 24 mth ABN with >2 yrs same industry experience | Offset Available | 😊😊 | |||||||
| Construction | |||||||||||||||||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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] | 7.89% (8.07%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.29% (8.46%) $2,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 7.99% (8.39%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.84% (8.24%) $10,000,000 [N/A] | 8.14% (8.54%) $10,000,000 [N/A] | 15 Sep 2025 | - | 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 | 9.59% (9.83%) $5,000,000 [N/A] | 15 Sep 2025 | - | 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] | 10.29% (10.52%) $15,000,000 [N/A] | 15 Sep 2025 | - | 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] | 10.59% (10.82%) $25,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3 | Nil | 1.65% | INV, CON | IO | 2 yrs | $15,000,000 | $25,000,000 | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 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 | 8.04% (8.20%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.44% (8.60%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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 | 8.04% (8.20%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.44% (8.60%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 8.04% (8.16%) $2,000,000 [N/A] | 8.24% (8.36%) $1,500,000 [N/A] | 8.24% (8.36%) $1,000,000 [N/A] | 15 Aug 2025 | - | 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. 😊😊 | ||||||
| Red | R1 Reward Land - Altdoc B | 6.90% (7.16%) $1,250,000 [N/A] | 6.90% (7.16%) $1,250,000 [Nil] | 6.95% (7.21%) $1,250,000 [Nil] | 6.95% (7.23%) $1,250,000 [0.50%] | 7.15% (7.43%) $750,000 [0.50%] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.20% | 399 | VAC | PI | 30 yrs | $100,000 | $1,250,000 | App Fee includes 1 val to $2m value payable @ settlement | No covenants or construction within 2 yrs of settlement | 6 mth ABN with >2 yrs same industry experience | Can use I Yr ITR if SE <2yrs. | Offset Available | Max 2.5 acres to 75% - Max 1 acre @ 80% |👌 | ||||
| Red | R2 Recharge Land - Altdoc C | 8.14% (8.43%) $1,500,000 [0.75%] | 8.14% (8.43%) $1,500,000 [0.75%] | 8.49% (8.78%) $1,000,000 [1.00%] | 8.69% (8.98%) $1,000,000 [1.00%] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1, 2 | 0.30% | 399 | VAC | PI | 30 yrs | $100,000 | $1,500,000 | $ Nil App Fee | Max 5 acres - Cat 1 & 2 | No covenants or construction within 2 yrs of settlement |6 mth ABN with <2 yrs same industry experience | Can use 1 Yr ITR if SE <2yrs. | Offset Available. | | |||||
| Red | Red Comm Land - Altdoc B | 10.05% (10.26%) $1,000,000 [Nil] | 10.70% (10.90%) $1,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | 0.15% | 0.75% | VAC | PI | 30 yrs | $100,000 | $1,000,000 | $ Nil App Fee | Max 1 acre - Cat 1 Only |Offset Available. | ERF 2.0% if discharged in <3 yrs | | |||||||
| Construction | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.04% (8.20%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.44% (8.60%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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 |😊😊😊 | |||||
Near Prime Fixed
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vacant Land | |||||||||||||||||||||||
| Navy | Navy Land Bullet | 0.00% (0.00%) $1,000,000 | 18 May 2024 | - | Nil mths | No Clawback | 1 | - | - | VAC | IO | 3 yrs | $50,000 | $1,000,000 | Non Code Only - must be business use | No Servicing | POA | Metro Land Only | Must have Exit Strategies | Min. Term 6 mths | Cash Out available for business purposes | Quote will be provided subject to circumstances | | ||||||||
Full Doc
Prime
| Loan Type | Loan Name | 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 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 | 5.64% (6.10%) $2,000,000 [Nil] | 5.64% (6.10%) $2,000,000 [Nil] | 5.74% (6.20%) $2,000,000 [Nil] | 5.74% (6.20%) $2,000,000 [Nil] | 6.64% (7.20%) $1,750,000 [2.25%] | 6.64% (7.26%) $1,500,000 [3.50%] | 1 Sep 2025 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | OO, CON | PI | 30 yrs | $50,000 | $2,000,000 | 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 | | |||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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] | 8.09% (8.27%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.29% (8.46%) $2,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 7.99% (8.39%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.84% (8.24%) $10,000,000 [N/A] | 8.14% (8.54%) $10,000,000 [N/A] | 15 Sep 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.44% (7.94%) $3,000,000 [1.50%] | 15 Sep 2025 | - | 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 | 5.94% (6.40%) $2,000,000 [Nil] | 5.94% (6.40%) $2,000,000 [Nil] | 6.04% (6.49%) $2,000,000 [Nil] | 6.04% (6.49%) $2,000,000 [Nil] | 6.94% (7.52%) $1,750,000 [2.75%] | 6.94% (7.58%) $1,500,000 [4.00%] | 1 Sep 2025 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $2,000,000 | 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 | | |||
| Navy | Navy Vacant Land - Comm ICAP | 10.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi | 8.99% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi ICAP | 9.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | IO | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply | | ||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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] | 8.09% (8.27%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.29% (8.46%) $2,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 7.99% (8.39%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.84% (8.24%) $10,000,000 [N/A] | 8.14% (8.54%) $10,000,000 [N/A] | 15 Sep 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | 😊😊 | |||||||
| Red | R1a SE Prime Land - FD A | 6.40% (6.63%) $750,000 [Nil] | 6.55% (6.78%) $750,000 [Nil] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.05% - 0.15% | 399 | INV, VAC | PI | 30 yrs | $100,000 | $750,000 | App Fee includes 1 val to $2m value payable @ settlement |Nil Risk Fee |Max 1 acre - Cat 1 | No covenants or construction within 2 yrs of settlement | 24 mth ABN with >2 yrs same industry experience | Offset Available | 😊😊 | |||||||
| NDIS | |||||||||||||||||||||||
| Cabernet | Co-Living Inv - Construction Commercial Var - [1-12 rooms] | 7.44% (7.94%) $3,000,000 [1.50%] | 15 Sep 2025 | - | 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 | NDIS FlexiBuild Inv - Var Construction | 7.55% (8.05%) $2,000,000 [1.50%] | 7.55% (8.05%) $2,000,000 [1.50%] | 7.65% (8.15%) $2,000,000 [1.50%] | 7.65% (8.15%) $2,000,000 [1.50%] | 15 Sep 2025 | - | 24 mths | Clawback | 1 | n/a | $500 | NDIS, CON | PI | 30 yrs | $50,000 | $2,000,000 | Assessed @ 24 yrs P&I (allowing 1 Yr IO during construction)| Offset available when completed | No Interest Only post construction| Max 25kms radius from GPO (eastern Seaboard) | | |||||
| Cabernet | NDIS FlexiBuild OO - Var Construction | 7.25% (7.73%) $2,000,000 [1.00%] | 7.35% (7.83%) $2,000,000 [1.00%] | 7.35% (7.83%) $2,000,000 [1.00%] | 8.25% (8.83%) $2,000,000 [3.25%] | 15 Sep 2025 | - | 24 mths | Clawback | 1, 2 | n/a | $500 | NDIS, CON | PI | 30 yrs | $50,000 | $2,000,000 | Assessed @ 24 yrs P&I (allowing 1 Yr IO during construction)| Offset available when completed | No Interest Only post construction| | |||||
| Purple | Construction - Var Resi Co-Living - [Max 5 rooms] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | |||||||||||||||||||||||
| Navy | Navy Vacant Land - Comm ICAP | 10.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi | 8.99% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | PI | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply | | ||||||||
| Navy | Navy Vacant Land - Resi ICAP | 9.49% (0.00%) $1,000,000 [1.50%] | 27 Feb 2025 | - | Nil mths | No Clawback | 1 | Nil | - | INV, VAC | IO | 30 yrs | $150,000 | $1,000,000 | No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply | | ||||||||
| Ocean | Diamond Land A - FD or AD | 7.64% (7.76%) $2,000,000 [N/A] | 7.84% (7.96%) $1,500,000 [N/A] | 7.84% (7.96%) $1,000,000 [N/A] | 15 Aug 2025 | - | 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 | 9.44% (9.56%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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 | 9.24% (9.32%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.84% (8.15%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | 7.64% (7.96%) $3,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3 | 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] | 7.99% (8.30%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | | ||||||||
| Red | R1a SE Prime Land - FD A | 6.40% (6.63%) $750,000 [Nil] | 6.55% (6.78%) $750,000 [Nil] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.05% - 0.15% | 399 | INV, VAC | PI | 30 yrs | $100,000 | $750,000 | App Fee includes 1 val to $2m value payable @ settlement |Nil Risk Fee |Max 1 acre - Cat 1 | No covenants or construction within 2 yrs of settlement | 24 mth ABN with >2 yrs same industry experience | Offset Available | 😊😊 | |||||||
| Construction | |||||||||||||||||||||||
| Cabernet | Co-Living Inv - Construction Commercial Var - [1-12 rooms] | 7.44% (7.94%) $3,000,000 [1.50%] | 15 Sep 2025 | - | 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 | 5.94% (6.40%) $2,000,000 [Nil] | 5.94% (6.40%) $2,000,000 [Nil] | 6.04% (6.49%) $2,000,000 [Nil] | 6.04% (6.49%) $2,000,000 [Nil] | 6.94% (7.52%) $1,750,000 [2.75%] | 6.94% (7.58%) $1,500,000 [4.00%] | 1 Sep 2025 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | INV, CON | PI | 30 yrs | $50,000 | $2,000,000 | 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 | | |||
| Cabernet | FlexiBuild OO - Var Construction | 5.64% (6.10%) $2,000,000 [Nil] | 5.64% (6.10%) $2,000,000 [Nil] | 5.74% (6.20%) $2,000,000 [Nil] | 5.74% (6.20%) $2,000,000 [Nil] | 6.64% (7.20%) $1,750,000 [2.25%] | 6.64% (7.26%) $1,500,000 [3.50%] | 1 Sep 2025 | - | 24 mths | Clawback | 1, 2, 3 | Nil | $500 | OO, CON | PI | 30 yrs | $50,000 | $2,000,000 | 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 | | |||
| Cabernet | NDIS FlexiBuild Inv - Var Construction | 7.55% (8.05%) $2,000,000 [1.50%] | 7.55% (8.05%) $2,000,000 [1.50%] | 7.65% (8.15%) $2,000,000 [1.50%] | 7.65% (8.15%) $2,000,000 [1.50%] | 15 Sep 2025 | - | 24 mths | Clawback | 1 | n/a | $500 | NDIS, CON | PI | 30 yrs | $50,000 | $2,000,000 | Assessed @ 24 yrs P&I (allowing 1 Yr IO during construction)| Offset available when completed | No Interest Only post construction| Max 25kms radius from GPO (eastern Seaboard) | | |||||
| Cabernet | NDIS FlexiBuild OO - Var Construction | 7.25% (7.73%) $2,000,000 [1.00%] | 7.35% (7.83%) $2,000,000 [1.00%] | 7.35% (7.83%) $2,000,000 [1.00%] | 8.25% (8.83%) $2,000,000 [3.25%] | 15 Sep 2025 | - | 24 mths | Clawback | 1, 2 | n/a | $500 | NDIS, CON | PI | 30 yrs | $50,000 | $2,000,000 | Assessed @ 24 yrs P&I (allowing 1 Yr IO during construction)| Offset available when completed | No Interest Only post construction| | |||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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] | 8.09% (8.27%) $2,500,000 [N/A] | 8.09% (8.27%) $2,500,000 [N/A] | 8.29% (8.46%) $2,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 7.99% (8.39%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.64% (8.04%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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] | 7.84% (8.24%) $10,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1 | Nil | 1.4% | OO, INV, NDIS, CON | IO | 29 yrs | $100,000 | $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 | 7.84% (8.24%) $10,000,000 [N/A] | 8.14% (8.54%) $10,000,000 [N/A] | 15 Sep 2025 | - | 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 | 7.64% (8.04%) $3,000,000 [N/A] | 7.84% (8.24%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 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 | 8.04% (8.20%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.44% (8.60%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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 | 8.04% (8.20%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.44% (8.60%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 8.04% (8.16%) $2,000,000 [N/A] | 8.24% (8.36%) $1,500,000 [N/A] | 8.24% (8.36%) $1,000,000 [N/A] | 15 Aug 2025 | - | 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. 😊😊 | ||||||
| Red | R1 Reward Land - Full doc B | 6.90% (7.16%) $1,250,000 [N/A] | 6.90% (7.16%) $1,250,000 [Nil] | 6.95% (7.21%) $1,250,000 [Nil] | 6.95% (7.23%) $1,250,000 [0.35%] | 7.15% (7.42%) $750,000 [0.35%] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.20% | 399 | VAC | PI | 30 yrs | $100,000 | $1,250,000 | App Fee includes 1 val to $2m value payable @ settlement | No covenants or construction within 2 yrs of settlement | 6 mth ABN with >2 yrs same industry experience | Can use I Yr ITR if SE <2yrs. | Offset Available | Max 2.5 acres to 75% - Max 1 acre @ 80% |👌 | ||||
| Red | R2 Recharge Land - Full doc C | 8.14% (8.43%) $1,500,000 [0.75%] | 8.14% (8.43%) $1,500,000 [0.75%] | 8.49% (8.77%) $1,000,000 [0.75%] | 8.69% (8.97%) $1,000,000 [0.75%] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1, 2 | 0.30% | 399 | VAC | PI | 30 yrs | $100,000 | $1,500,000 | $ Nil App Fee | 0.75% Risk Fee to 70% (then 1.0%) | Max 1 acre Cat 1 & 2 | No covenants or construction within 2 yrs of settlement |6 mth ABN with <2 yrs same industry experience | Can use 1 Yr ITR if SE <2yrs. | Offset Available. | | |||||
| Red | Red Comm Land - FDB | 10.05% (10.26%) $1,000,000 [Nil] | 10.70% (10.90%) $1,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | 0.15% | 0.75% | VAC | PI | 30 yrs | $100,000 | $1,000,000 | $ Nil App Fee | Max 1 acre - Cat 1 Only |Offset Available. | ERF 2.0% if discharged in <3 yrs | | |||||||
| Construction | |||||||||||||||||||||||
| Ocean | Emerald Construction - Var Cat 1 | 8.04% (8.20%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.24% (8.40%) $2,000,000 [N/A] | 8.44% (8.60%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 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 | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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 | |||||||||||||||||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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 | 7.64% (7.76%) $2,000,000 [N/A] | 7.84% (7.96%) $1,500,000 [N/A] | 7.84% (7.96%) $1,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.84% (8.15%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | 7.64% (7.96%) $3,000,000 [N/A] | 15 Sep 2025 | - | Nil mths | No Clawback | 1, 2, 3 | 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] | 7.99% (8.30%) $3,000,000 [N/A] | 15 Sep 2025 | - | 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 | |||||||||||||||||||||||
| Ocean | Diamond Construction - Var Cat 1 ONLY | 7.64% (7.82%) $2,000,000 [N/A] | 7.84% (8.02%) $2,000,000 [N/A] | 8.04% (8.22%) $2,000,000 [N/A] | 15 Aug 2025 | - | 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] | 7.64% (7.82%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 7.84% (8.02%) $1,500,000 [N/A] | 8.04% (8.22%) $1,500,000 [N/A] | 15 Aug 2025 | - | 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% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | 90% | 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] | 8.04% (8.16%) $2,000,000 [N/A] | 8.24% (8.36%) $1,500,000 [N/A] | 8.24% (8.36%) $1,000,000 [N/A] | 15 Aug 2025 | - | 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. 😊😊 | ||||||
| Red | R1 Reward Land - Full doc B | 6.90% (7.16%) $1,250,000 [N/A] | 6.90% (7.16%) $1,250,000 [Nil] | 6.95% (7.21%) $1,250,000 [Nil] | 6.95% (7.23%) $1,250,000 [0.35%] | 7.15% (7.42%) $750,000 [0.35%] | 15 Aug 2025 | - | Reduces by 4.16% pm - 24 mths | Clawback | 1 | 0.20% | 399 | VAC | PI | 30 yrs | $100,000 | $1,250,000 | App Fee includes 1 val to $2m value payable @ settlement | No covenants or construction within 2 yrs of settlement | 6 mth ABN with >2 yrs same industry experience | Can use I Yr ITR if SE <2yrs. | Offset Available | Max 2.5 acres to 75% - Max 1 acre @ 80% |👌 | ||||