Property Credit
Flexible property-backed lending for acquisitions, development, investment, completion and business-purpose capital requirements — delivered under your brand on mandate-backed funding.
Product range
Start with the products your market needs today and expand through the same credit operation and funding network as your book grows.
Who it's for
Ground-up, value-add and completion projects that need milestone-driven capital.
Acquisition and refinance of income-producing residential and commercial assets.
A funding and operating partner to place property scenarios under your own brand.
Business-purpose capital secured against real property already held.
Property-backed lending structured for self-managed super fund holdings.
Funding to complete or exit partially built projects.
Example scenarios
Representative structures only. Every transaction is assessed on its own merits against the relevant funding mandate.
Development exit
A developer refinances completed, partially sold stock onto lower-cost funding while remaining sales settle.
Illustrative scenario — not a credit decision or offer.
Commercial bridge
An investor secures a commercial asset quickly, then transitions to a term facility once leases stabilise.
Illustrative scenario — not a credit decision or offer.
Construction
A builder draws progressively against milestones, with completion funding held in reserve.
Illustrative scenario — not a credit decision or offer.
How funding works
Share the property, structure and outcome. We confirm appetite quickly.
Security, exit and serviceability are assessed against the relevant mandate.
Terms, conditions and documentation are prepared through Credit Engine.
Settlement and drawdowns are coordinated, then managed through to maturity.
FAQ
Common questions about how our property lending, funding and white-label partnership model works.
Facility size and leverage are set by the relevant funding mandate and the specifics of each deal — security type, location, exit and borrower profile. We confirm indicative appetite quickly once we understand the scenario rather than applying a single fixed cap.
Lending is delivered on mandate-backed institutional funding lines rather than a single balance sheet. You originate under your own brand while credit, documentation and settlement run through Credit Engine, our credit operating system.
You present the product to your borrowers under your own brand. We sit behind you as the funding and credit-operations partner, so the borrower relationship stays yours end to end while we handle assessment, documentation and management.
We aim to confirm appetite on a well-described scenario within a day or two. Formal assessment timing then depends on security, valuation and the exit, but the process is designed to move at the pace property transactions require.
We lend against residential and commercial property across bridging, construction, investment and specialist situations. Exits are typically sale, refinance to a term facility or completion of a project — assessed on the merits of each transaction.
Developers, investors, builders, SMSF trustees and business owners borrowing against property, as well as brokers and originators who want to place property scenarios under their own brand with institutional support behind them.
Founding partnerships
We are speaking with mortgage managers, private lenders, commercial-finance businesses, broker groups and capital partners seeking to build differentiated property and business-credit capability.