Alphacon ReachRegional and rural property loans
Every Australian postcode, assessed on the security and the exit.
Alphacon Reach is a first mortgage loan of $200k–$5M over 6–60 months, to 70% LVR, from 9.95% p.a., for company and trust borrowers.
Indicative terms the same business day. No accreditation needed to submit.
From
9.95%
Our widest coverage
- Facility
- $200K - $5M
- Term
- 6 - 60 months
- Postcodes
- All considered
When to use it
A postcode is not a decline.
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.
Every Australian postcode, assessed on the security and the exit. It is the product to send us before you tell a client no.
- Security outside the metro postcodes our other products cover
- A first mortgage over regional or rural security
- Trusts, SMSFs, multiple entities, unusual ownership
- A file that has been declined elsewhere and still stacks up
What it costs
What your client pays
- Establishment fee
- From 1.65%
- Loan management fee
- From 0.20% per month
- Risk fee
- Applies, see schedule
Risk fee runs 0.40%-0.70% of the loan depending on security, $1,980 minimum. Clean enough and we will move the deal to Alphacon Bridge and drop it entirely.
Full schedule across the panelWhat credit will and won’t do
- Facility
- $200,000 to $5,000,000
- Term
- 6 to 60 months
- Max LVR
- 70%
- Mortgage position
- First mortgage only
- Credit score
- Not assessed
- Structures
- Companies, trusts, SMSFs, multiple entities
- Location
- Every Australian postcode
Indicative from 9.95% p.a. Every facility is subject to credit assessment, a panel valuation and satisfactory security.
How to place it
A few sentences gets you a position.
Send the scenario
Security and address, the number, the dates, the exit. Email it, call it in or send it through the form - a light touch either way, and no accreditation to clear first.
Credit reads it
Not a queue. An indicative position the same business day, and a straight answer on where it prices if it isn't here.
You keep the client
We deal with your client on this transaction only. No cross-sell, no retention calls, commission disclosed up front.
Ready to place one?
Send the security, the number, the dates and the exit. You will have an indicative position the same business day.
Common questions
Alphacon Reach, answered.
What makes a deal a Reach deal?
Anything that falls outside the metro, clean-structure box: regional or rural security, a trust or SMSF, multiple entities, an ownership structure that takes a paragraph to explain. If you are unsure which product it prices on, send it - that is our job, not yours.
Will you take a second mortgage on Reach?
No - Reach is a first-mortgage product. Where your client has a first worth keeping, the deal prices on Alphacon Second behind it.
Is regional priced differently to metro?
It is priced to the security, and Alphacon Reach carries the wider appetite - which is why it sits above the others on rate. A strong regional asset with a clear exit prices better than a marginal metro one.
Will you look at a file another lender declined?
Yes, and tell us who declined it and why. A decline for policy reasons is a different conversation to a decline on the asset, and knowing which saves everyone a week.