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Product Guide

We can do what other lenders can’t. Think outside the box.

We provide competitive rates on finance for Residential, Industrial & Commercial property loans – 1st mortgage, 2nd mortgage and Construction.

We specialise in low documentation options to help those who require finance but may have difficulty accessing it from mainstream sources due to credit file issues, patchy cash-flow or incomplete accounts.

For more information on our private lending offerings, please use the contact information below to speak with one of our lending specialists

1st Mortgage Loans 

Rates starting at 5.95% per annum
Establishment Fee Starting from 1.5%
LVR up to 70% Residential / 65% Commercial / 60-65% Industrial / Land bank & regional locations generally 50-55%
Up to 36 Months
Loan size: $300k - $30M (case by case scenario - can go higher) *Approval within 24 hours

2nd Mortgage/Caveat Loans 

Rates starting at 13.95% per annum
Establishment Fee Starting from 2%
LVR up to 75%
3 - 24 Month Loan Terms
Loan size: $300k - $3M (case by case scenario - can go higher) *Approval within 24 hours

Construction Loans

Rates starting at 7.5% per annum
Monthly Line Fee Starting from 0.125% per month
Establishment Fee Starting from 2%
LVR up to 65% of Gross Realisation Value
6 - 24 Month Loan Terms
No Pre-Sales Required
Located in Sydney, Melbourne, Brisbane, Newcastle, South Coast NSW and Central Coast NSW
Loan size: $500k - $30M (case by case scenario - can go higher)
lumleyloans_gold_icon

Product Guide

We can do what other lenders can’t. Think outside the box.

We provide competitive rates on finance for Residential, Industrial & Commercial property loans – 1st mortgage, 2nd mortgage and Construction.

We specialise in low documentation options to help those who require finance but may have difficulty accessing it from mainstream sources due to credit file issues, patchy cash-flow or incomplete accounts.

For more information on our private lending offerings, please use the contact information below to speak with one of our lending specialists

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First Mortgages / Refinance

Rates starting at 5.95% per annum
Establishment Fee Starting from 1.5%
LVR up to 70% Residential / 65% Commercial / 60-65% Industrial / Land bank & regional locations generally 50-55%
Up to 36 Months
Loan size: $300k - $30M (case by case scenario - can go higher) *Approval within 24 hours
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Second Mortgages / Caveats

Rates starting at 13.95% per annum
3 – 24 month terms
Establishment Fee Starting from 2%
Loan size: $300k - $3M (case by case scenario - can go higher) *Approval within 24 hours
LVR security up to 75%
Engineers with tablet on the structure

Construction / Development Loans

Rates starting at 7.5% per annum
Monthly Line Fee Starting from 0.125% per month
Establishment Fee Starting from 2%
LVR up to 65% of Gross Realisation Value
6-24 month loan terms
No Pre-Sales Required
Located in Sydney, Melbourne, Brisbane, Newcastle, South Coast NSW and Central Coast NSW
Loan size: $500k - $30M (case by case scenario - can go higher)
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What you need to know

Our products and processes are as follows:

Commercial Purchase
Land Acquisition
Settlement on Commercial/ Residential Properties
ATO Debts
Commercial Refinance
General Business Cash Flow
Commercial Notices To Complete
Wind Up Notices
Unlimited Cashout
Loan Purpose

Loan Purpose

Variety of cross collateralised security options available
Property (Commercial, Industrial, Residential)
Plant & Equipment
Specialised Security
Specialised Facilities
Loan Security Options

Loan Security Options

Existing Client Valuations Considered
Desktop Valuations
Or Valuations Instructed by NFG
Valuation Process

Valuation Process

lumleyloans_gold_icon

What you need to know

Our products and processes are as follows:

Loan Purpose

Loan Purpose

Commercial Purchase
Land Acquisition
Settlement on Commercial/ Residential Properties
ATO Debts
Commercial Refinance
General Business Cash Flow
Commercial Notices To Complete
Wind Up Notices
Unlimited Cashout
Loan Security Options

Loan Security Options

Variety of cross collateralised security options available
Property (Commercial, Industrial, Residential)
Plant & Equipment
Specialised Security
Specialised Facilities
Valuation Process

Valuation Process

Existing Client Valuations Considered
Desktop Valuations
Or Valuations Instructed by NFG
lumleyloans_gold_icon

Valuation Panel

We can accept a valuation report from one of these valuers,
as long as the report is less than 3 months old and can be reassigned to us.

Sydney Suburban Property Valuations

www.sydneypropertyvaluations.com.au

Charter Keck Kramer

www.rcharterkc.com.au

JPM Valuers

www.jpmvaluers.com.au

Preston Rowe Patterson

www.prp.com.au

Ray White Valuations

www.raywhitevaluations.com.au

lumleyloans_gold_icon

Valuation Panel

We can accept a valuation report from one of these valuers,
as long as the report is less than 3 months old and can be reassigned to us.

Ray White Valuations

www.raywhitevaluations.com.au

Preston Rowe Patterson

www.prp.com.au

Sydney Suburban Property Valuations

www.sydneypropertyvaluations.com.au

Charter Keck Kramer

www.rcharterkc.com.au

JPM Valuers

www.jpmvaluers.com.au