September 2026 edition
Broker
Product Guide
Private capital, professionally delivered. Five products, the credit parameters behind them, and what we pay you for placing them.
- Bridge
- 8.50%p.a. from
- No risk fee
- Fast
- 9.49%p.a. from
- 24hr approval
- Line
- 9.49%p.a. from
- Draw-only interest
- Reach
- 9.95%p.a. from
- Every postcode
- Second
- 9.95%p.a. from
- Behind a first
Alphacon Capital/Broker Product Guide/September 2026
Why Alphacon Capital
Built for brokers who value speed, certainty and simplicity.
We lend institutional capital as principal, with the flexibility of a private fund. No committee date to wait on, no ticket queues, no clawbacks - and no path to your client that does not go through you.
Same-day indicatives
A complete submission gets an indicative within hours, not days - while your client is still on the phone.
Deal with decision-makers
One point of contact from enquiry to settlement. No call centre, no offshore processing, no lost emails.
No clawbacks
Commission is paid on settlement and never clawed back. Your revenue is locked the moment the deal funds.
Your client stays yours
We do not solicit your client and we do not take a submission from a borrower direct. Where documents need signing we deal with them alongside you, never around you.
Commercial only
Alphacon Capital is not NCCP regulated. We provide commercial-purpose lending only, to companies and trusts holding an active ABN, and registered for GST where their turnover requires it. We do not write consumer credit, and we do not accept submissions direct from borrowers.
Alphacon Capital/Broker Product Guide/September 2026
The product suite
Five products. Every scenario covered.
From a clean bridge on a metro asset to a credit-impaired regional deal, there is a product built for the task. Send the scenario and we will tell you which one it prices on.
Alphacon Bridge
Smart Bridge · No risk fee
8.50%p.a. from
A clean file with a dated exit
- Facility
- $100K - $5M
- Term
- 3-60 months
- Max LVR
- 75%
- Mortgage
- 1st registered only
Alphacon Fast
Fast Metro · 24hr approval
9.49%p.a. from
The settlement date is the problem
- Facility
- $200K - $10M
- Term
- 6-24 months
- Max LVR
- 75%
- Mortgage
- 1st registered only
Alphacon Line
Progressive Draw · Draw-only interest
9.49%p.a. from
Capital released in stages
- Facility
- $200K - $10M
- Term
- 6-24 months
- Max LVR
- 75%
- Mortgage
- 1st registered only
Alphacon Reach
Nationwide · Every postcode
9.95%p.a. from
The deal nobody else will look at
- Facility
- $200K - $5M
- Term
- 6-60 months
- Max LVR
- 70%
- Mortgage
- 1st registered only
Alphacon Second
Second Position · Behind a first
9.95%p.a. from
A first mortgage worth keeping
- Facility
- $100K - $5M
- Term
- 6-60 months
- Max LVR
- 70%
- Mortgage
- 2nd registered only
Not sure which?
Send the scenario and we will tell you which product it prices on.
deals@alphaconcapital.com.au
Alphacon Capital/Broker Product Guide/September 2026
Product detail
Parameters, eligibility and use.
Required on every product
| Product | Parameters | Credit and eligibility | Typical use |
|---|---|---|---|
Alphacon Bridge No risk fee 8.50%p.a. from | $100,000 - $5,000,000 3 - 60 months Max LVR 75% · 1st registered only Australia-wide | Income: Accountant letter or prepaid interest Credit score: Above 600 (exceptions considered) Repayment: Prepaid / Interest only / P&I | Bridging, purchase, refinance, consolidation |
Alphacon Fast 24hr approval 9.49%p.a. from | $200,000 - $10,000,000 6 - 24 months Max LVR 75% · 1st registered only Capital cities and select metro | Income: Self-declaration or prepaid interest Credit score: Not assessed Repayment: Prepaid / Interest only | Working capital, urgent bridging, metro acquisition |
Alphacon Line Draw-only interest 9.49%p.a. from | $200,000 - $10,000,000 6 - 24 months, extendable Max LVR 75% · 1st registered only Capital cities and select metro | Income: Self-declaration Credit score: Not assessed Repayment: Prepaid / Interest only | Staged construction, renovation, owner-builder |
Alphacon Reach Every postcode 9.95%p.a. from | $200,000 - $5,000,000 6 - 60 months Max LVR 70% · 1st registered only All Australian postcodes | Income: Self-declaration or prepaid interest Credit score: Not assessed Repayment: Prepaid / Interest only | Regional and rural, trusts and SMSFs, complex structures |
Alphacon Second Behind a first 9.95%p.a. from | $100,000 - $5,000,000 6 - 60 months Max LVR 70% · 2nd registered only Australia-wide | Income: Self-declaration or prepaid interest Credit score: Not assessed Repayment: Prepaid / Interest only | Equity release behind an incumbent first mortgage |
Auto-extension on Alphacon Fast, and auto-roll at maturity on Alphacon Line and Alphacon Reach, are available where the security is metro residential. Alphacon Bridge and Alphacon Reach are first-mortgage products; second-mortgage positions are written on Alphacon Second.
Alphacon Capital/Broker Product Guide/September 2026
Fee schedule
Every fee, disclosed at indicative stage.
Nothing appears on the letter of offer that was not on the term sheet. Legal costs, the valuation and any brokerage you set are passed through at cost and disclosed the same way, on the term sheet before you accept.
| Alphacon | Bridge | Fast | Line | Reach | Second |
|---|---|---|---|---|---|
| Interest rate (from) | 8.50% p.a. | 9.49% p.a. | 9.49% p.a. | 9.95% p.a. | 9.95% p.a. |
| Establishment fee | From 1.65% | From 1.65% | From 1.65% | From 1.65% | From 1.65% |
| Loan management fee | $250/mo | From 0.10%/mo | From 0.15%/mo | From 0.20%/mo | From 0.20%/mo |
| Risk fee | Nil | See schedule below | See schedule below | See schedule below | See schedule below |
| Drawdown fee | N/A | N/A | $1,000 per drawdown | N/A | N/A |
| Property valuations | From $250 | At cost | At cost | At cost | At cost |
| Early repayment | 14 days' notice | Per loan terms | Per loan terms | Per loan terms | Per loan terms |
Risk fee schedule
Charged on Alphacon Fast, Line, Reach and Second only, as a percentage of the loan amount, with a $1,980 minimum. Alphacon Bridge carries no risk fee - the single biggest saving available to a file that qualifies for it.
| Security type | LVR 60% or below | LVR above 60% |
|---|---|---|
| Residential | 0.40% | 0.60% |
| Commercial | 0.50% | 0.70% |
| Land | 0.60% | 0.70% |
Alphacon Capital/Broker Product Guide/September 2026
Submitting a deal
A few sentences gets you a position.
- 1
Send the scenario
What your client needs and what the security is. No application form to complete - an email, a phone call or three fields online is a submission.
- 2
Indicative terms, same day
An indicative term sheet within hours: product, rate, LVR, term, fees and an estimated settlement timeline.
- 3
Formal application
Short form. Signed borrower authority, contract of sale or security details, company and trust structure documents, borrower ID.
- 4
Credit approval
A formal credit decision once the structure, the security and the exit are confirmed.
- 5
Settlement
Solicitor instructed, valuation ordered, settlement coordinated. Two to four weeks from credit approval.
All we need to quote
- ✓Loan purpose
- ✓Security address, or the contract of sale
- ✓Estimated market value
- ✓Loan amount
- ✓Borrower's company or trust name
Not at this stage
- Application forms
- Financial statements
- Tax returns
- Payslips
- Bank statements
Alphacon Capital/Broker Product Guide/September 2026
What the deal is worth
Paid on settlement day. Never clawed back.
You tell us your commission on the deal and we build it into the facility. It is disclosed on the letter of offer, paid the day the deal settles, and never taken back. On top of that sits the Alphacon schedule: a fast-start bonus on accreditation, then an upfront and a trail on every settled deal, both rising with the tier. The figures are published in the broker portal the moment your accreditation clears - five minutes at alphaconcapital.com.au/get-accredited, and you can send a deal before it completes.
| Tier | Earned on | What you earn | What it adds |
|---|---|---|---|
| Accredited | Accreditation | Fast-start bonus | Two-hour terms, business days |
| Preferred | $20M settled, rolling 12 months | Upfront + Trail | Two-hour terms, seven days |
| Elite | $40M settled, rolling 12 months | Upfront + Trail | Sixty-minute terms, guaranteed |
Inside the Elite cohort
- Sixty-minute terms, guaranteed
- Same-call approval inside set limits
- Direct line to the credit committee
- Funded first when funds are tight
- Borrower leads in your postcodes
The term sheet guarantee
$1,000
If we issue a term sheet and the deal falls over within 30 days, we pay you $1,000. The only carve-outs are a valuation shortfall and an undisclosed credit issue.
Subject to change
Alphacon Capital may vary the commission schedule, the fast-start bonus and the tier thresholds at its discretion and without notice. The rates that apply to a deal are those in force on the day it settles, and nothing here is an offer or a contractual entitlement.
Alphacon Capital/Broker Product Guide/September 2026
Get in touch
A straightforward scenario, or the one the banks will not support.
Either way it is read by someone who can approve it. Send it and you will have a position the same business day.
- Phone
- 1300 450 339
- deals@alphaconcapital.com.au
- Web
- alphaconcapital.com.au
- Office
- Level 9, 1 York Street
Sydney NSW 2000 - Hours
- Monday to Friday
8:00am - 6:00pm AEST - Entity
- Alphacon Capital Pty Ltd
ABN 71 697 564 471
Become an accredited broker
No aggregator requirement. We work with brokers directly.
A short accreditation form is all it takes to start submitting - and you do not need to be accredited to send us a scenario.
Get accreditedalphaconcapital.com.au/get-accredited
September 2026 edition