Five products.Every scenario.

Bridge is where a straightforward deal belongs. Your client has real security, a credible exit and nothing on the file that needs explaining - so they should not be paying for risk that is not there. It carries no risk fee, which is the single biggest saving against everything else we write.

• Valex valuations from $250
• No hidden risk fee
• No early discharge fees
• Repay with 14 days notice

Fast is the product for a deal that has to move and cannot wait for a story to be tidied up. Credit is not scored, income is self-declared, and the assessment sits on the security and the exit.

• Built-in auto-extension (metro residential only)
• Assessed on security, not credit score
• Repay with 30 days notice
• Loans above $3M: Sydney, Melbourne, Brisbane only

Where the money goes out over months rather than at once - mobilisation, progressive stock, a staged fit-out - a term facility charges your client for capital sitting idle. Line does not: interest runs on the drawn balance only.

• Built-in auto-roll (metro residential only)
• Interest capitalisation option
• Interest on the drawn amount only
• Suits owner-builders and staged projects

Regional and rural security, layered trust structures, an ownership diagram that takes a paragraph to explain - Reach is priced for the deals that fall outside everyone else's box, including our own.

• Built-in auto-roll (metro residential only)
• Large panel of valuers
• Assessed on security, not credit score
• Trusts, SMSFs and layered structures accepted

Your client has a cheap first mortgage and needs capital. Refinancing the lot to reach the equity means losing the rate, paying the break costs and repricing debt that was never the problem. Second sits behind the incumbent instead and takes only the equity above it.

• Sits behind a first the client keeps
• No refinance of the incumbent facility
• Assessed on the equity and the exit
• First mortgagee consent arranged with you