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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
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 | 😊😊
OceanDiamond Construction MaX - Var [Cat 1 ONLY]8.39%
(8.56%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.79%
(8.96%)
$2,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,500,000Rate 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 | 😊😊😊
PurpleConstruction - Var8.19%
(8.59%)
$3,000,000
[N/A]
8.39%
(8.79%)
$3,000,000
[N/A]
8.59%
(8.99%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$3,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
PurpleConstruction MaX - Var8.39%
(8.79%)
$10,000,000
[N/A]
8.69%
(9.08%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$10,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
Investor
NavyNavy Vacant Land - Comm ICAP10.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply |
NavyNavy Vacant Land - Resi8.99%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply |
NavyNavy Vacant Land - Resi ICAP9.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACIO30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply |
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 | 😊😊
OceanDiamond Construction MaX - Var [Cat 1 ONLY]8.39%
(8.56%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.79%
(8.96%)
$2,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,500,000Rate 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 | 😊😊😊
PurpleConstruction - Var8.19%
(8.59%)
$3,000,000
[N/A]
8.39%
(8.79%)
$3,000,000
[N/A]
8.59%
(8.99%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$3,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
PurpleConstruction MaX - Var8.39%
(8.79%)
$10,000,000
[N/A]
8.69%
(9.08%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$10,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
NDIS
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
Vacant Land
NavyNavy Vacant Land - Comm ICAP10.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply |
NavyNavy Vacant Land - Resi8.99%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply |
NavyNavy Vacant Land - Resi ICAP9.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACIO30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply |
OceanDiamond Land A - FD or AD8.14%
(8.26%)
$2,000,000
[N/A]
8.34%
(8.46%)
$1,500,000
[N/A]
8.34%
(8.46%)
$1,000,000
[N/A]
6 May 2025-Nil mths0.30%1.25%VACPI30 yrs$2,000,000No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | ERF Waiver Fee - add 0.50% to App FeeΒ  (company accounts) | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊
OceanVacant Land A - FD & AD Commercial9.94%
(10.06%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.50%VACIO, PI30 yrs$2,000,000ERF applies to Unregulated Loans Only | ERF Waiver Fee - add 0.50% to App Fee | Cat 1Β  locations only | 1.25x ITC | Max 1 acre |
OceanVacant Land A - Residential HBU9.74%
(9.82%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.50%VACIO, PI30 yrs$2,000,000ERF 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 |
PurpleVacant Land - Altdoc A8.19%
(8.51%)
$3,000,000
[N/A]
8.39%
(8.51%)
$3,000,000
[N/A]
8.59%
(8.90%)
$3,000,000
[N/A]
6 Mar 2025-Nil mths0.40%1.5%VACIO2 yrs$3,000,000Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional |Β  Max 65% LVR - All |
RedR1a SE Prime Land - Altdoc A7.00%
(7.23%)
$750,000
[0%]
7.03%
(7.26%)
$750,000
[0%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.05% - 0.15% 399VACPI30 yrs$750,000App 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 | 😊😊
RedRed Comm Land - Altdoc A8.60%
(9.02%)
$1,000,000
[Nil]
8.79%
(9.02%)
$1,000,000
[Nil]
28 Feb 2025-Nil mths0.15%NilVACPI30 yrs$1,000,000$ Nil App Fee | Max 1 acre - Cat 1 Only |Offset Available. | ERF 2.0% if discharged in <3 yrs |
Construction
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 | 😊😊
OceanDiamond Construction MaX - Var [Cat 1 ONLY]8.39%
(8.56%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.79%
(8.96%)
$2,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,500,000Rate 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 | 😊😊😊
PurpleConstruction - Var8.19%
(8.59%)
$3,000,000
[N/A]
8.39%
(8.79%)
$3,000,000
[N/A]
8.59%
(8.99%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$3,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
PurpleConstruction MaX - Var8.39%
(8.79%)
$10,000,000
[N/A]
8.69%
(9.08%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$10,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
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
OceanEmerald Construction - Var Cat 18.54%
(8.70%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.94%
(9.09%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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
OceanEmerald Construction - Var Cat 18.54%
(8.70%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.94%
(9.09%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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
OceanEmerald Land B - FD or AD - [Cat 1]8.54%
(8.66%)
$2,000,000
[N/A]
8.74%
(8.86%)
$1,500,000
[N/A]
8.74%
(8.86%)
$1,000,000
[N/A]
6 May 2025-Nil mths0.30%1.25%VACPI30 yrs$2,000,000No 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. 😊😊
RedR1 Reward Land - Altdoc B7.40%
(7.65%)
$1,250,000
[N/A]
7.40%
(7.65%)
$1,250,000
[N/A]
7.40%
(7.65%)
$1,250,000
[N/A]
7.45%
(7.70%)
$1,250,000
[N/A]
7.55%
(7.83%)
$1,250,000
[0.50%]
7.65%
(7.93%)
$750,000
[0.50%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.20%399VACPI30 yrs$1,250,000App Fee includes 1 val to $2m value payable @ settlement | No covenants or construction within 2 yrs of settlementΒ  | 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% |πŸ‘Œ
RedR2 Recharge Land - Altdoc C8.74%
(9.02%)
$1,500,000
[0.75%]
8.74%
(9.02%)
$1,500,000
[0.75%]
8.74%
(9.02%)
$1,500,000
[0.75%]
9.09%
(9.38%)
$1,000,000
[1.00%]
9.29%
(9.58%)
$1,000,000
[1.00%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.30%399VACPI30 yrs$1,500,000$ 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. |
Construction
OceanEmerald Construction - Var Cat 18.54%
(8.70%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.94%
(9.09%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
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
PurpleDevelopment Construction DC2 - $15m [Mid]10.69%
(10.91%)
$15,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.65%INV, CONIO2 yrs$15,000,000Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT |
PurpleDevelopment Construction DC3 - $25m [Max]10.99%
(11.20%)
$25,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.65%INV, CONIO2 yrs$25,000,000Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT |
Construction
PurpleDevelopment Construction DC2 - $15m [Mid]10.69%
(10.91%)
$15,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.65%INV, CONIO2 yrs$15,000,000Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT |
PurpleDevelopment Construction DC3 - $25m [Max]10.99%
(11.20%)
$25,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.65%INV, CONIO2 yrs$25,000,000Construction of 2 or more dwellings with interest capitalization | Must be SPV. Max 70% GRV / 80% TDC | Max 60% GRV for childcare centres | DEVELOPMENT |
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
NavyNavy Land Bullet0.00%
(0.00%)
$1,000,000
18 May 2024-Nil mths--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 | Β 

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
CabernetFlexiBuild OO - Var Construction6.55%
(7.02%)
$2,000,000
[0.50%]
6.55%
(7.02%)
$2,000,000
[0.50%]
6.55%
(7.02%)
$2,000,000
[0.50%]
6.55%
(7.05%)
$2,000,000
[1.00%]
6.55%
(7.11%)
$1,750,000
[2.25%]
6.85%
(7.47%)
$1,500,000
[3.50%]
28 Feb 2025-24 mthsNil$500OO, CONPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | Β 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 |
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 | 😊😊
OceanDiamond Construction MaX - Var [Cat 1 ONLY]8.59%
(8.76%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.79%
(8.96%)
$2,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,500,000Rate 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 | 😊😊😊
PurpleConstruction - Var8.19%
(8.59%)
$3,000,000
[N/A]
8.39%
(8.79%)
$3,000,000
[N/A]
8.59%
(8.99%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$3,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
PurpleConstruction MaX - Var8.39%
(8.79%)
$10,000,000
[N/A]
8.69%
(9.08%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$10,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
Investor
CabernetCo-Living Inv - Construction Commercial Var [7-12 rooms]8.15%
(8.20%)
$2,000,000
[1.25%]
8.25%
(8.20%)
$2,000,000
[1.25%]
8.25%
(8.20%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDIS, CONPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Co-Living | 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 - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetCo-Living Inv - Var Construction Resi [1-6]7.65%
(8.20%)
$2,000,000
[1.25%]
7.75%
(8.20%)
$2,000,000
[1.25%]
7.75%
(8.20%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDIS, CONPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Max 6 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetCo-Living Max Inv - Var Construction Resi [1-6]8.15%
(8.69%)
$3,000,000
[1.25%]
8.25%
(8.79%)
$3,000,000
[1.75%]
8.25%
(8.79%)
$3,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDISPI30 yrs$3,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Max 6 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetFlexiBuild Inv - Var Construction6.85%
(7.35%)
$2,000,000
[1.25%]
6.85%
(7.35%)
$2,000,000
[1.25%]
6.85%
(7.35%)
$2,000,000
[1.25%]
6.85%
(7.38%)
$2,000,000
[1.75%]
6.85%
(7.44%)
$1,750,000
[3.00%]
7.15%
(7.80%)
$1,500,000
[4.25%]
28 Feb 2025-24 mthsNil$500INV, CONPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | Β 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 |
NavyNavy Vacant Land - Comm ICAP10.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply |
NavyNavy Vacant Land - Resi8.99%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply |
NavyNavy Vacant Land - Resi ICAP9.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACIO30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply |
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 | 😊😊
OceanDiamond Construction MaX - Var [Cat 1 ONLY]8.59%
(8.76%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.79%
(8.96%)
$2,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,500,000Rate 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 | 😊😊😊
PurpleConstruction - Var8.19%
(8.59%)
$3,000,000
[N/A]
8.39%
(8.79%)
$3,000,000
[N/A]
8.59%
(8.99%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$3,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
PurpleConstruction MaX - Var8.39%
(8.79%)
$10,000,000
[N/A]
8.69%
(9.08%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$10,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
NDIS
CabernetCo-Living Inv - Construction Commercial Var [7-12 rooms]8.15%
(8.20%)
$2,000,000
[1.25%]
8.25%
(8.20%)
$2,000,000
[1.25%]
8.25%
(8.20%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDIS, CONPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Co-Living | 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 - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetCo-Living Inv - Var Construction Resi [1-6]7.65%
(8.20%)
$2,000,000
[1.25%]
7.75%
(8.20%)
$2,000,000
[1.25%]
7.75%
(8.20%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDIS, CONPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Max 6 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetCo-Living Max Inv - Var Construction Resi [1-6]8.15%
(8.69%)
$3,000,000
[1.25%]
8.25%
(8.79%)
$3,000,000
[1.75%]
8.25%
(8.79%)
$3,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDISPI30 yrs$3,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Max 6 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetNDIS FlexiBuild Inv - Var Construction7.65%
(8.14%)
$2,000,000
[1.25%]
7.65%
(8.14%)
$2,000,000
[1.25%]
8.00%
(8.48%)
$2,000,000
[1.25%]
8.00%
(8.51%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsn/a$500NDISPI25 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 |
CabernetNDIS FlexiBuild OO - Var Construction7.35%
(8.14%)
$2,000,000
[1.25%]
7.70%
(8.48%)
$2,000,000
[1.25%]
7.70%
(8.51%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsn/a$500NDISPI25 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 |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
Vacant Land
NavyNavy Vacant Land - Comm ICAP10.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply |
NavyNavy Vacant Land - Resi8.99%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACPI30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Loadings may apply |
NavyNavy Vacant Land - Resi ICAP9.49%
(0.00%)
$1,000,000
[1.50%]
27 Feb 2025-Nil mthsNil-INV, VACIO30 yrs$1,000,000No Rate loading for Altdoc | Metro Only - No Regional | Standard Metro block | Interest Capitalised for 12 months | Loadings may apply | Conditions Apply |
OceanDiamond Land A - FD or AD8.14%
(8.26%)
$2,000,000
[N/A]
8.34%
(8.46%)
$1,500,000
[N/A]
8.34%
(8.46%)
$1,000,000
[N/A]
6 May 2025-Nil mths0.30%1.25%VACPI30 yrs$2,000,000No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | ERF Waiver Fee - add 0.50% to App FeeΒ  (company accounts) | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊
OceanVacant Land A - FD & AD Commercial9.94%
(10.06%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.50%VACIO, PI30 yrs$2,000,000ERF applies to Unregulated Loans Only | ERF Waiver Fee - add 0.50% to App Fee | Cat 1Β  locations only | 1.25x ITC | Max 1 acre |
OceanVacant Land A - Residential HBU9.74%
(9.82%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.50%VACIO, PI30 yrs$2,000,000ERF 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 |
PurpleVacant Land - Full Doc A8.19%
(8.51%)
$3,000,000
[N/A]
8.39%
(8.51%)
$3,000,000
[N/A]
8.59%
(8.90%)
$3,000,000
[N/A]
6 Mar 2025-Nil mths0.40%1.5%VACIO2 yrs$3,000,000Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional |Β  Max 65% LVR - All |
RedR1a SE Prime Land - FD A7.00%
(7.23%)
$750,000
[0%]
7.03%
(7.26%)
$750,000
[0%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.05% - 0.15% 399VACPI30 yrs$750,000App 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 | 😊😊
RedRed Comm Land - FDA8.05%
(9.02%)
$1,000,000
[Nil]
8.35%
(9.02%)
$1,000,000
[Nil]
28 Feb 2025-Nil mths0.15%NilVACPI30 yrs$1,000,000$ Nil App Fee | Max 1 acre - Cat 1 Only |Offset Available. | ERF 2.0% if discharged in <3 yrs |
Construction
CabernetCo-Living Inv - Construction Commercial Var [7-12 rooms]8.15%
(8.20%)
$2,000,000
[1.25%]
8.25%
(8.20%)
$2,000,000
[1.25%]
8.25%
(8.20%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDIS, CONPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Co-Living | 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 - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetCo-Living Inv - Var Construction Resi [1-6]7.65%
(8.20%)
$2,000,000
[1.25%]
7.75%
(8.20%)
$2,000,000
[1.25%]
7.75%
(8.20%)
$2,000,000
[1.75%]
28 Feb 2025-24 mthsNil$500INV, NDIS, CONPI30 yrs$2,000,000IO Rate Loading of 0.80% during construction - removed when reverts to P&I (1 Yr IO + 29 yrs PI) | Max 6 rooms | Br must have ensuite & Key Lock | Commercial Val. |100% Offset available when completed | CRF [Construction Risk Fee] applies to all construction loans - Charged @ 1/12 pm via Direct Debit during construction period |Β 
CabernetFlexiBuild Inv - Var Construction6.85%
(7.35%)
$2,000,000
[1.25%]
6.85%
(7.35%)
$2,000,000
[1.25%]
6.85%
(7.35%)
$2,000,000
[1.25%]
6.85%
(7.38%)
$2,000,000
[1.75%]
6.85%
(7.44%)
$1,750,000
[3.00%]
7.15%
(7.80%)
$1,500,000
[4.25%]
28 Feb 2025-24 mthsNil$500INV, CONPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | Β 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 |
CabernetFlexiBuild OO - Var Construction6.55%
(7.02%)
$2,000,000
[0.50%]
6.55%
(7.02%)
$2,000,000
[0.50%]
6.55%
(7.02%)
$2,000,000
[0.50%]
6.55%
(7.05%)
$2,000,000
[1.00%]
6.55%
(7.11%)
$1,750,000
[2.25%]
6.85%
(7.47%)
$1,500,000
[3.50%]
28 Feb 2025-24 mthsNil$500OO, CONPI30 yrs$2,000,0001 Yr IO construction + 29 yrs PI =30 yrs | 100% Offset available when completed | Β 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 |
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 | 😊😊
OceanDiamond Construction MaX - Var [Cat 1 ONLY]8.59%
(8.76%)
$2,500,000
[N/A]
8.59%
(8.76%)
$2,500,000
[N/A]
8.79%
(8.96%)
$2,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,500,000Rate 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 | 😊😊😊
PurpleConstruction - Var8.19%
(8.59%)
$3,000,000
[N/A]
8.39%
(8.79%)
$3,000,000
[N/A]
8.59%
(8.99%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$3,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
PurpleConstruction - Var Resi Co-Living - [Max 5 rooms]8.19%
(8.59%)
$3,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$3,000,000Rate 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 |
PurpleConstruction - Var Resi Co-Living MaX - [5 rooms max]8.39%
(8.79%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, NDIS, CONIO29 yrs$10,000,000Rate 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 |
PurpleConstruction MaX - Var8.39%
(8.79%)
$10,000,000
[N/A]
8.69%
(9.08%)
$10,000,000
[N/A]
6 Mar 2025-Nil mthsNil1.5%OO, INV, CONIO29 yrs$10,000,000Rate during build only, reverts to applicable Altdoc rate when built | Assessed at Revert Rate x 29 yrs |
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
OceanEmerald Construction - Var Cat 18.54%
(8.70%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.94%
(9.09%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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
OceanEmerald Construction - Var Cat 18.54%
(8.70%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.94%
(9.09%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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
OceanEmerald Land B - FD or AD - [Cat 1]8.54%
(8.66%)
$2,000,000
[N/A]
8.74%
(8.86%)
$1,500,000
[N/A]
8.74%
(8.86%)
$1,000,000
[N/A]
6 May 2025-Nil mths0.30%1.25%VACPI30 yrs$2,000,000No 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. 😊😊
RedR1 Reward Land - Full doc B7.40%
(7.65%)
$1,250,000
[N/A]
7.40%
(7.65%)
$1,250,000
[N/A]
7.40%
(7.65%)
$1,250,000
[N/A]
7.45%
(7.70%)
$1,250,000
[N/A]
7.55%
(7.82%)
$1,250,000
[0.35%]
7.65%
(7.92%)
$750,000
[0.35%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.20%399VACPI30 yrs$1,250,000App Fee includes 1 val to $2m value payable @ settlement | No covenants or construction within 2 yrs of settlementΒ  | 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% |πŸ‘Œ
RedR2 Recharge Land - Full doc C8.34%
(8.62%)
$1,500,000
[0.75%]
8.34%
(8.62%)
$1,500,000
[0.75%]
8.34%
(8.62%)
$1,500,000
[0.75%]
8.69%
(8.97%)
$1,000,000
[0.75%]
8.89%
(9.17%)
$1,000,000
[0.75%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.30%399VACPI30 yrs$1,500,000$ 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. |
Construction
OceanEmerald Construction - Var Cat 18.54%
(8.70%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.74%
(8.89%)
$2,000,000
[N/A]
8.94%
(9.09%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 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
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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
OceanDiamond Land A - FD or AD8.14%
(8.26%)
$2,000,000
[N/A]
8.34%
(8.46%)
$1,500,000
[N/A]
8.34%
(8.46%)
$1,000,000
[N/A]
6 May 2025-Nil mths0.30%1.25%VACPI30 yrs$2,000,000No covenants or construction within 1 yr of land settlement | Max 5 acres – Cat 1 or 2 | ERF Waiver Fee - add 0.50% to App FeeΒ  (company accounts) | Can use 1 Yr ITR -need most recent BAS from Jan-June. 😊😊
PurpleVacant Land - Full Doc A8.19%
(8.51%)
$3,000,000
[N/A]
8.39%
(8.51%)
$3,000,000
[N/A]
8.59%
(8.90%)
$3,000,000
[N/A]
6 Mar 2025-Nil mths0.40%1.5%VACIO2 yrs$3,000,000Max 2 Year Term | Can use 1 Yr ITR | Max 75% LVR - Metro Only | Max 70% LVR - Regional |Β  Max 65% LVR - All |
Construction
OceanDiamond Construction - Var Cat 1 ONLY8.14%
(8.31%)
$2,000,000
[N/A]
8.34%
(8.51%)
$2,000,000
[N/A]
8.54%
(8.71%)
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$2,000,000Rate 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 |😊😊😊  
OceanDiamond Construction - Var [Cat 2 ONLY]8.14%
(8.31%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.34%
(8.51%)
$1,500,000
[N/A]
8.54%
(8.71%)
$1,500,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INV, CONIO30 yrs$1,500,000Rate 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 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
OceanEmerald Land B - FD or AD - [Cat 1]8.54%
(8.66%)
$2,000,000
[N/A]
8.74%
(8.86%)
$1,500,000
[N/A]
8.74%
(8.86%)
$1,000,000
[N/A]
6 May 2025-Nil mths0.30%1.25%VACPI30 yrs$2,000,000No 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. 😊😊
RedR1 Reward Land - Full doc B7.40%
(7.65%)
$1,250,000
[N/A]
7.40%
(7.65%)
$1,250,000
[N/A]
7.40%
(7.65%)
$1,250,000
[N/A]
7.45%
(7.70%)
$1,250,000
[N/A]
7.55%
(7.82%)
$1,250,000
[0.35%]
7.65%
(7.92%)
$750,000
[0.35%]
28 Feb 202531 Mar 2025Reduces by 4.16% pm - 24 mths0.20%399VACPI30 yrs$1,250,000App Fee includes 1 val to $2m value payable @ settlement | No covenants or construction within 2 yrs of settlementΒ  | 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% |πŸ‘Œ