Brokers

Our Loan Products

Our Products

Our products have been developed with the Client in mind, they provide real solutions for real people. Designed to be flexible, our loans are tailored to individual circumstances which allows us to provide the best possible outcome.

Why Equity-One

Equity-One was established over 20 years ago and has become one of Australia’s most recognised Secured Asset Lenders. We have developed a ‘deliberately simple’ lending approach which consistently produces great customer outcomes. We are commercially sensible and professional in all our dealings.

Our Borrowers

Our Clients come in all shapes and sizes so we know from experience that ‘no one size fits all’. We take the time to understand our customer’s situation and circumstances. Our loan offers are fully customised based on Client needs.

Download our Commercial Lending Guide

Apply online
OR
Download Application Form

If you download the application Form, please email to loans@equity-one.com or post it to Level 13, 256 Queen Street Melbourne VIC 3000 Australia.
Once we receive your application we will contact you to further assist you with your Application.

 

Our Loan Process

The Equity-One Loan Process is streamlined and efficient being honed over many years.

Stage Timing Description
FINANCE QUOTE Same day as enquiry. High level summary of loan offer terms to Client or Broker.
APPLICATION FORM Client to provide. Application form provides key information to issue a Letter-of-Offer.
LETTER-OF-OFFER Within 24 hours of Application. Formal offer from Equity-One setting out terms of advance to Borrower.
VALUATION Instructed immediately on payment of Commitment Fee and 3-5 Days for Residential 5-10 days for Commercial Equity-One values the property offered as security for the loan.
DUE DILIGENCE Conducted throughout application process. Equity-One performs due diligence on Borrower, Security, Transaction.
LOAN DOCUMENTS Instructed on completion of valuation and due diligence and issued to Borrower within 48 hours of instruction. Equity-One’s Lawyers draft the loan document package for the Borrower.
SETTLEMENT Within 48 hours of documents returned. Settlement arranged with funds advanced to Borrower.
LOAN MANAGEMENT Ongoing customer support. Assistance with loan management, loan discharge, and variations.

Our Loan Profile

Our loans are tailored to suit a broad lending profile and cover most scenarios. This table outlines the broad parameters of our lending appetite which we flex to meet Client needs.

OUR OFFER OUTSIDE SCOPE
We provide loans from $50,000 to $10,000,000 secured by a mortgage over property. While we have a flexible loan offering some transactions fall outside our guidelines. We do not provide Construction Finance with progress payments and drawdowns against Gross Realisation Value.
WE LEND TO WE DON’T LEND TO
  • Australian registered Companies
  • Trusts with Corporate Trustees
  • Self-Managed Superannuation Funds
  • Individuals (for Consumer purposes)
  • Partnerships (for Consumer purposes)
ACCEPTABLE SECURITY WE DON’T ACCEPT THIS SECURITY
  • Residential Property
  • Rural Residential Property
  • Commercial Property
  • Industrial Property
  • Vacant Land
  • Construction Sites
  • Leasehold Property
  • Unique / Specialised Property
LOAN SIZE WE DON’T LEND AMOUNTS
  • $50,000 to $10,000,000
  • Below $50,000 or Above $10,000,000 (may consider in certain circumstances)
LOAN TERM TYPICAL LOAN TERM
  • 1 month to 36 months
  • 12 months
REPAYMENT NOT AVAILABLE
  • Interest Only, Monthly, In Advance
  • Principal & Interest Repayments
  • Redraw Arrangements

Residential Property

A short-term loan secured against residential property.

KEY FEATURES

BORROWER Company, Trust, SMSF or Individual (subject to funds being used predominantly for business purposes)
LOAN PURPOSE
  • Purchase of Property
  • Refinance of Existing Loan/s
  • Equity Release / Cash-out
ACCEPTED SECURITY
  • Residential Property
  • Rural Residential Property
  • Vacant Residential Land
LOAN AMOUNT From $50,000 to $10,000,000.
LOAN TERM From 1 month to 36 months
(Typically 12 months with right to repay at any time^^)
REPAYMENT Interest Only, Monthly, In Advance

Commercial / Industrial Property

A short-term loan secured against commercial or industrial property.

KEY FEATURES

BORROWER Company, Trust, SMSF
LOAN PURPOSE
  • Purchase of Property
  • Refinance of Existing Loan/s
  • Equity Release / Cash-out
ACCEPTED SECURITY
  • Commercial Property
  • Industrial Property
LOAN AMOUNT From $50,000 to $10,000,000.
LOAN TERM From 1 month to 36 months
(Typically 12 months with right to repay at any time^^)
REPAYMENT Interest Only, Monthly, In Advance

Vacant Land

A short-term loan secured against vacant land.

KEY FEATURES

BORROWER Company, Trust, SMSF
LOAN PURPOSE
  • Purchase of Property
  • Refinance of Existing Loan/s
  • Equity Release / Cash-out
ACCEPTED SECURITY
  • Vacant Residential Land
  • Vacant Rural-Residential Land
  • Vacant Development Land Sites
LOAN AMOUNT From $50,000 to $10,000,000.
LOAN TERM From 1 month to 36 months
(Typically 12 months with right to repay at any time^^)
REPAYMENT Interest Only, Monthly, In Advance

Making an Application

Our Clients come in all shapes and sizes so we know from experience that ‘no one size fits all’. We take the time to understand our your situation and circumstances. Our loan offers are created to your specific needs.

APPLICATION START POINT
OUR SERVICE COMMITMENT
  • Initial feedback within hours
  • Flexible assessment
  • Rapid loan approval
  • Easy settlement process
OTHER USEFUL INFORMATION
  • Rates Notice
  • Valuation Report (if available)
  • Statement of Position (Assets & Liabilities)
  • Financial Statements (Final, Management, or BAS)
  • ATO -BTR, ITR, BAS position
FOR BROKERS
  • Access to decision makers
  • Commission available (up-front and trail)
  • No clawback of commission
  • Payment on settlement

Let’s Talk

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advisors will give you a call.

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