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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.

Doc Type

Category

Rate Type

Funder

Occupancy Type

Max Loan Values

Alt Doc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Diamond Construction - Var Cat 18.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.99%
(9.16%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction - Var [Cat 2]8.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,500,000
[N/A]
8.79%
(8.96%)
$1,250,000
[N/A]
8.99%
(9.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction Max - Var [Cat 1]8.84%
(9.01%)
$2,500,000
[N/A]
9.04%
(9.21%)
$2,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$2,500,0001.25% App Fee | 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 (La Trobe)Construction - Var8.44%
(8.84%)
$2,000,000
[N/A]
8.64%
(9.04%)
$2,000,000
[N/A]
8.84%
(9.23%)
$2,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$2,000,0001.5% App Fee. Rate during build only, reverts to applicable Altdoc rate when built. Assessed at Revert Rate x 29 yrs.
Purple (La Trobe)Construction Max - Var8.64%
(9.04%)
$5,000,000
[N/A]
8.94%
(9.33%)
$5,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$5,000,0001.5% App Fee | Rate during build only, reverts to applicable Altdoc rate when built |Assessed at Revert Rate x 29 yrs |
Investor
Ocean (ORDE)Diamond Construction - Var Cat 18.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.99%
(9.16%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction - Var [Cat 2]8.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,500,000
[N/A]
8.79%
(8.96%)
$1,250,000
[N/A]
8.99%
(9.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction Max - Var [Cat 1]8.84%
(9.01%)
$2,500,000
[N/A]
9.04%
(9.21%)
$2,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$2,500,0001.25% App Fee | 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 (La Trobe)Construction - Var8.44%
(8.84%)
$2,000,000
[N/A]
8.64%
(9.04%)
$2,000,000
[N/A]
8.84%
(9.23%)
$2,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$2,000,0001.5% App Fee. Rate during build only, reverts to applicable Altdoc rate when built. Assessed at Revert Rate x 29 yrs.
Purple (La Trobe)Construction Max - Var8.64%
(9.04%)
$5,000,000
[N/A]
8.94%
(9.33%)
$5,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$5,000,0001.5% App Fee | Rate during build only, reverts to applicable Altdoc rate when built |Assessed at Revert Rate x 29 yrs |
Vacant Land
Ocean (ORDE)Diamond Land Altdoc A9.84%
(9.97%)
$1,000,000
[N/A]
10.04%
(10.16%)
$1,000,000
[N/A]
10.04%
(10.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mths0.30%1.50%VACPI30 yrs$1,000,0001.50% App Fee. | ERF Waiver Fee - add 0.50% to App Fee  (company accounts) | No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | 😊😊
Ocean (ORDE)Vacant Land A - Altdoc Commercial9.99%
(10.07%)
$2,000,000
[N/A]
10.19%
(10.27%)
$2,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.50%VACIO, PI30 yrs$2,000,0001.25x ITC | ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | Cat 1 locations only | No land banking | COMMERCIAL LAND |
Purple (La Trobe)Vacant Land - Altdoc A8.44%
(8.74%)
$2,000,000
[N/A]
4 Jun 2024-Nil mths0.40%1.25%VACIO2 yrs$2,000,0001.25% App Fee | Max 2 Yr Term | Add 0.40% for Int Only |
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Emerald Construction - Var Cat 18.99%
(9.14%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.39%
(9.54%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Emerald Construction - Var Cat 18.99%
(9.14%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.39%
(9.54%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Emerald Land Altdoc B10.29%
(10.41%)
$1,000,000
[N/A]
10.59%
(10.72%)
$1,000,000
[N/A]
21 Aug 2024-Nil mths0.30%1.75%VACPI30 yrs$1,000,000No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1, 2. 3 or 4. | 1.50% App Fee to 70% LVR; 1.75% App Fee >70% LVR |
Red (RedZed)R1 Reward Land - Altdoc B7.59%
(7.84%)
$750,000
[N/A]
7.64%
(7.89%)
$750,000
[N/A]
7.69%
(7.94%)
$750,000
[0.50]
7.74%
(8.02%)
$750,000
[0.50%]
22 Oct 202429 Nov 2024Reduces by 4.16% pm - 24 mthsNil-VACPI30 yrs$750,000$ Nil App Fee | 0.75% Risk Fee to 70% (then 1.0%) |Max 1 acre - Cat 1 | No covenants or construction within 2 yrs of settlement | 6 mth ABN with >2 yrs same industry experience | Offset Available | 😊😊  
Red (RedZed)R2 Recharge Land - Altdoc C8.99%
(9.27%)
$1,250,000
[0.75%]
8.99%
(9.27%)
$1,250,000
[0.75%]
8.99%
(9.27%)
$1,250,000
[0.75%]
9.34%
(9.63%)
$1,250,000
[1.00%]
9.54%
(9.82%)
$1,000,000
[1.00%]
22 Oct 202429 Nov 2024Reduces by 4.16% pm - 24 mthsNil-VACPI30 yrs$1,250,000$ 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. |
Fixed Rate
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Investor
Purple (La Trobe)Development Construction DC1 - $5m9.99%
(10.21%)
$5,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.65%INVIO2 yrs$5,000,000Construction of 2 or more dwellings wiith interest capitalisation. Must be SPV. Max 70% GRV / 80% TDC. Max 60% GRV for childcare centres.
Purple (La Trobe)Development Construction DC2 - $15m [Mid]10.69%
(10.91%)
$15,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.65%INVIO2 yrs$15,000,000Construction of 2 or more dwellings wiith interest capitalisation. Must be SPV. Max 70% GRV / 80% TDC. Max 60% GRV for childcare centres.
Purple (La Trobe)Development Construction DC3 - $25m [Max]10.99%
(11.20%)
$25,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.65%INVIO2 yrs$25,000,000Construction of 2 or more dwellings wiith interest capitalisation. Must be SPV. Max 70% GRV / 80% TDC. Max 60% GRV for childcare centres.
Near Prime Fixed
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Vacant Land
Navy (BC Invest)Navy Land Bullet0.00%
(0.00%)
$1,000,000
18 May 2024----VACIO3 yrs$1,000,000Non 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 Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Owner Occupier
Cabernet (ORIGIN)FlexiBuild OO - Var Construction6.80%
(7.28%)
$2,000,000
[0.50%]
6.80%
(7.28%)
$2,000,000
[0.50%]
6.90%
(7.38%)
$2,000,000
[0.50%]
6.90%
(7.41%)
$2,000,000
[1.00%]
7.20%
(7.75%)
$1,750,000
[2.00%]
7.70%
(8.25%)
$1,500,000
[2.25%]
19 Jun 2024-24 mthsNil500OOPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed |  CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction period exceeds 12 mths | No Rate Loading |
Cabernet (ORIGIN)Xpat FlexiBuild - Var Construction6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.57%)
$2,000,000
[1.50%]
6.93%
(7.61%)
$2,000,000
[2.25%]
6.93%
(7.66%)
$2,000,000
[3.25%]
19 Jun 2024-24 mthsNil495OO, INVPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed |  CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction period exceeds 12 mths | No Rate Loading |
Ocean (ORDE)Diamond Construction - Var Cat 18.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.99%
(9.16%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction - Var [Cat 2]8.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,500,000
[N/A]
8.79%
(8.96%)
$1,250,000
[N/A]
8.99%
(9.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction Max - Var [Cat 1]8.84%
(9.01%)
$2,500,000
[N/A]
9.04%
(9.21%)
$2,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$2,500,0001.25% App Fee | 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 (La Trobe)Construction - Var8.44%
(8.84%)
$2,000,000
[N/A]
8.64%
(9.04%)
$2,000,000
[N/A]
8.84%
(9.23%)
$2,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$2,000,0001.5% App Fee. Rate during build only, reverts to applicable Altdoc rate when built. Assessed at Revert Rate x 29 yrs.
Purple (La Trobe)Construction Max - Var8.64%
(9.04%)
$5,000,000
[N/A]
8.94%
(9.33%)
$5,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$5,000,0001.5% App Fee | Rate during build only, reverts to applicable Altdoc rate when built |Assessed at Revert Rate x 29 yrs |
Investor
Cabernet (ORIGIN)FlexiBuild Inv - Var Construction7.10%
(7.61%)
$2,000,000
[1.25%]
7.10%
(7.61%)
$2,000,000
[1.25%]
7.20%
(7.71%)
$2,000,000
[1.25%]
7.20%
(7.74%)
$2,000,000
[1.75%]
7.50%
(8.07%)
$1,750,000
[2.50%]
8.00%
(8.57%)
$1,500,000
[2.75%]
19 Jun 2024-24 mthsNil500INVPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed |  CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction period exceeds 12 mths | No Rate Loading |
Cabernet (ORIGIN)MultiBuild Inv - Var Construction7.90%
(8.46%)
$2,000,000
[2.50%]
7.90%
(8.46%)
$2,000,000
[2.50%]
8.00%
(8.56%)
$2,000,000
[2.50%]
8.00%
(8.58%)
$2,000,000
[3.00%]
19 Jun 2024-24 mthsNil500INVPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | 100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction >12 mths | Co-Living / Shared Living | Max 6 rooms | Br must have ensuite & Key Lock | Commercial Val.|
Cabernet (ORIGIN)NDIS FlexiBuild Inv - Var Construction7.90%
(8.40%)
$2,000,000
[1.25%]
7.90%
(8.40%)
$2,000,000
[1.25%]
8.00%
(8.50%)
$2,000,000
[1.25%]
8.00%
(8.52%)
$2,000,000
[1.75%]
21 Oct 2024-24 mthsNil500INV, NDISPI25 yrs$2,000,000IO Rate Loading of 0.80% (included in displayed rates) during construction - removed when reverts to P&I (1 Yr IO + 24 yrs PI) | Offset available when completed | LPF applies all Construction Loans | Use the rate displayed less 0.80% rate loading for assessment |
Cabernet (ORIGIN)Xpat FlexiBuild - Var Construction6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.57%)
$2,000,000
[1.50%]
6.93%
(7.61%)
$2,000,000
[2.25%]
6.93%
(7.66%)
$2,000,000
[3.25%]
19 Jun 2024-24 mthsNil495OO, INVPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed |  CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction period exceeds 12 mths | No Rate Loading |
Ocean (ORDE)Diamond Construction - Var Cat 18.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.99%
(9.16%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction - Var [Cat 2]8.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,500,000
[N/A]
8.79%
(8.96%)
$1,250,000
[N/A]
8.99%
(9.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction Max - Var [Cat 1]8.84%
(9.01%)
$2,500,000
[N/A]
9.04%
(9.21%)
$2,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$2,500,0001.25% App Fee | 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 (La Trobe)Construction - Var8.44%
(8.84%)
$2,000,000
[N/A]
8.64%
(9.04%)
$2,000,000
[N/A]
8.84%
(9.23%)
$2,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$2,000,0001.5% App Fee. Rate during build only, reverts to applicable Altdoc rate when built. Assessed at Revert Rate x 29 yrs.
Purple (La Trobe)Construction Max - Var8.64%
(9.04%)
$5,000,000
[N/A]
8.94%
(9.33%)
$5,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$5,000,0001.5% App Fee | Rate during build only, reverts to applicable Altdoc rate when built |Assessed at Revert Rate x 29 yrs |
NDIS
Cabernet (ORIGIN)NDIS FlexiBuild Inv - Var Construction7.90%
(8.40%)
$2,000,000
[1.25%]
7.90%
(8.40%)
$2,000,000
[1.25%]
8.00%
(8.50%)
$2,000,000
[1.25%]
8.00%
(8.52%)
$2,000,000
[1.75%]
21 Oct 2024-24 mthsNil500INV, NDISPI25 yrs$2,000,000IO Rate Loading of 0.80% (included in displayed rates) during construction - removed when reverts to P&I (1 Yr IO + 24 yrs PI) | Offset available when completed | LPF applies all Construction Loans | Use the rate displayed less 0.80% rate loading for assessment |
Cabernet (ORIGIN)NDIS FlexiBuild Max Inv - Var Construction8.40%
(8.51%)
$2,500,000
[1.25%]
8.50%
(8.51%)
$2,500,000
[1.25%]
8.50%
(8.51%)
$2,500,000
[1.75%]
21 Oct 2024-24 mthsNil500NDISPI25 yrs$2,500,000IO Rate Loading of 0.80% (included in displayed rates) during construction - removed when reverts to P&I (1 Yr IO + 24 yrs PI) | Offset available when completed | LPF applies all Construction Loans | Use the rate displayed less 0.80% rate loading for assessment |
Vacant Land
Ocean (ORDE) Vacant Land A - FD Commercial9.59%
(9.66%)
$2,000,000
[N/A]
9.64%
(9.71%)
$2,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.35%VACIO, PI30 yrs$2,000,000ERF applies individual & company applicants | ERF Waiver Fee - add 0.50% to App Fee | Cat 1 locations only |  1.35% App Fee | 1.25x ITC |
Ocean (ORDE)Diamond Land - Full doc A9.69%
(9.79%)
$1,000,000
[N/A]
9.84%
(9.94%)
$1,000,000
[N/A]
9.84%
(9.94%)
$1,000,000
[N/A]
21 Aug 2024-Nil mths0.30%1.00%VACPI30 yrs$1,000,000No 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 (La Trobe)Vacant Land - Full Doc A8.44%
(8.74%)
$2,000,000
[N/A]
4 Jun 2024-Nil mths0.40%1.25%VACIO2 yrs$2,000,0001.25% App Fee | Max 2 Yr Term | Add 0.40% for Int Only | Can use 1 Yr ITR
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Emerald Construction - Var Cat 18.99%
(9.14%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.39%
(9.54%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Emerald Construction - Var Cat 18.99%
(9.14%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.19%
(9.34%)
$1,750,000
[N/A]
9.39%
(9.54%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Emerald Land - Full Doc B9.99%
(10.09%)
$1,000,000
[N/A]
10.09%
(10.19%)
$1,000,000
[N/A]
10.09%
(10.19%)
$1,000,000
[N/A]
21 Aug 2024-Nil mths0.30%1.00%VACPI30 yrs$1,000,000No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1, 2., 3 or 4 | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊
Red (RedZed)R1 Reward Land - Full doc B7.44%
(7.69%)
$750,000
[N/A]
7.44%
(7.69%)
$750,000
[N/A]
7.49%
(7.74%)
$750,000
[N/A]
7.54%
(7.79%)
$750,000
[N/A]
7.59%
(7.86%)
$750,000
[0.35%]
22 Oct 202429 Nov 2024Reduces by 4.16% pm - 24 mthsNil-VACPI30 yrs$750,000$ Nil App Fee| 0.75% Nil Risk Fee to 70% (0.35% >70%) | 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 | 👌
Red (RedZed)R2 Recharge Land - Full doc C8.59%
(8.87%)
$1,250,000
[0.75%]
8.59%
(8.87%)
$1,250,000
[0.75%]
8.69%
(8.97%)
$1,250,000
[0.75%]
8.89%
(9.17%)
$1,250,000
[0.75%]
9.09%
(9.37%)
$1,000,000
[0.75%]
22 Oct 202429 Nov 2024Reduces by 4.16% pm - 24 mthsNil-VACPI30 yrs$1,250,000$ 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. |

1 Yr Returns

Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Diamond Construction - Var Cat 18.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.99%
(9.16%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction - Var [Cat 2]8.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,500,000
[N/A]
8.79%
(8.96%)
$1,250,000
[N/A]
8.99%
(9.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (La Trobe)Construction - Var8.84%
(9.23%)
$2,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$2,000,0001.5% App Fee. Rate during build only, reverts to applicable Altdoc rate when built. Assessed at Revert Rate x 29 yrs.
Investor
Ocean (ORDE)Diamond Construction - Var Cat 18.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,750,000
[N/A]
8.99%
(9.16%)
$1,500,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (ORDE)Diamond Construction - Var [Cat 2]8.59%
(8.76%)
$1,750,000
[N/A]
8.79%
(8.96%)
$1,500,000
[N/A]
8.79%
(8.96%)
$1,250,000
[N/A]
8.99%
(9.16%)
$1,000,000
[N/A]
21 Aug 2024-Nil mthsNil1.25%OO, INVIO30 yrs$1,750,0001.25% App Fee | 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 (La Trobe)Construction - Var8.84%
(9.23%)
$2,000,000
[N/A]
4 Jun 2024-Nil mthsNil1.5%OO, INVIO29 yrs$2,000,0001.5% App Fee. Rate during build only, reverts to applicable Altdoc rate when built. Assessed at Revert Rate x 29 yrs.
Vacant Land
Ocean (ORDE)Diamond Land - Full doc A9.69%
(9.79%)
$1,000,000
[N/A]
9.84%
(9.94%)
$1,000,000
[N/A]
9.84%
(9.94%)
$1,000,000
[N/A]
21 Aug 2024-Nil mths0.30%1.00%VACPI30 yrs$1,000,000No 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 (La Trobe)Vacant Land - Full Doc A8.44%
(8.74%)
$2,000,000
[N/A]
4 Jun 2024-Nil mths0.40%1.25%VACIO2 yrs$2,000,0001.25% App Fee | Max 2 Yr Term | Add 0.40% for Int Only | Can use 1 Yr ITR
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Vacant Land
Ocean (ORDE)Emerald Land - Full Doc B9.99%
(10.09%)
$1,000,000
[N/A]
10.09%
(10.19%)
$1,000,000
[N/A]
10.09%
(10.19%)
$1,000,000
[N/A]
21 Aug 2024-Nil mths0.30%1.00%VACPI30 yrs$1,000,000No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1, 2., 3 or 4 | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊
Red (RedZed)R1 Reward Land - Full doc B7.44%
(7.69%)
$750,000
[N/A]
7.44%
(7.69%)
$750,000
[N/A]
7.49%
(7.74%)
$750,000
[N/A]
7.54%
(7.79%)
$750,000
[N/A]
7.59%
(7.86%)
$750,000
[0.35%]
22 Oct 202429 Nov 2024Reduces by 4.16% pm - 24 mthsNil-VACPI30 yrs$750,000$ Nil App Fee| 0.75% Nil Risk Fee to 70% (0.35% >70%) | 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 | 👌

Xpat

Prime
Loan Type Loan Name50%55%60%65%70%75%80%85%90%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays Max Term Max Loan Notes
Owner Occupier
Cabernet (ORIGIN)Xpat FlexiBuild - Var Construction6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.57%)
$2,000,000
[1.50%]
6.93%
(7.61%)
$2,000,000
[2.25%]
6.93%
(7.66%)
$2,000,000
[3.25%]
19 Jun 2024-24 mthsNil495OO, INVPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed |  CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction period exceeds 12 mths | No Rate Loading |
Investor
Cabernet (ORIGIN)Xpat FlexiBuild - Var Construction6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.54%)
$2,000,000
[1.00%]
6.93%
(7.57%)
$2,000,000
[1.50%]
6.93%
(7.61%)
$2,000,000
[2.25%]
6.93%
(7.66%)
$2,000,000
[3.25%]
19 Jun 2024-24 mthsNil495OO, INVPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed |  CRF [Construction Risk Fee] applies to all construction loans | CRF Charged @ 1/12 pm via Direct Debit if construction period exceeds 12 mths | No Rate Loading |