Welcome to Jumbo Capital
Our edge over other lenders
You are a Company Director requiring significant financing for high-value property, or have a requirement to access finance that exceeds the limits set by other private lenders, or require a higher loan-to-value ratio (LVR) for bridging purposes.
Purchasing Luxury Properties: If you are looking to buy property that exceeds traditional loan limits
Refinancing Mortgages: If you are refinancing and need to access maximum funds than your current mortgage allows, or have an expiring/expired loan
Equity Releases: If you are looking to release equity from your residential property and require the highest available LVR in the market today
About us
Who we are and what we offer
Jumbo Capital is a Direct Lender of Private Mortgage Finance operating across Australia. Our clients are Company Pty Ltd Directors, SMSF Trustees, Mortgage Brokers, Accountants, Solicitors and Referrers.
The Director of Jumbo Capital Rob Kirk has more than 31 years of experience in property-backed lending, mortgage origination and mortgage management.
We offer a tailored range of privately funded loan products secured by residential and commercial property including residential land.
Loan products available: Pulse 1st mortgage up-to 75%, Surge 2nd mortgage up-to 75%, Core & High Core 1st mortgage to 75%, Base (Residual Stock) up-to 65% & Base (Vacant Land) 1st mortgage up-to 60%.
Company Pty Ltd Borrowers Only
A straightforward approach to short-term lending
Prompt, streamlined financing when you need it.
Loan Amounts Available
Residential from $125k up-to $30m. Commercial from $750k up-to $20m.
Flexible Loan Terms
Residential from 3 to 36 months. Commercial from 6 to 36 months.
Acceptable Locations
1st RM's Australia wide. 2nd RM's Eastern states only.
Fast Approval Times
Typically 3 to 5 working days from application. Faster if you have a valuation.
Credit Reports Personal and Company
No and Low credit scores considered.
Real Estate Backed
Loans available for Commercial, Retail and Industrial security.
Real Estate Backed
Loans suitable for Luxury Homes and all types of Residential Security.
Highest LVR's in Australia by 1st & 2nd mortgage!
Residential up-to 75%*. Commercial up-to 70%*. 2nd's up to 75%.
Application Process
Application Day 1
Run through the Scenario: Reach out to us by phone 1300 859 075 or email applications@jumbocapital.com.au to review the specifics of your proposal. Your application is assessed and when indicatively approved, terms are offered and our checklist issued.
Approval Days 1-2
Loan Proposal Documentation: Once the completed and signed application form, identification, and all required supporting documents are received, we’ll prepare and submit your application. Following assessment, the Credit team makes a favourable decision on the application.
Indicative Approval Days 3-4
Indicative Letter of Offer & Valuation: Once the assessment is approved, an Indicative Loan Offer (ILO) will be issued, potentially outlining any review conditions. A valuation quote will also be provided for upfront payment. The signed ILO and payment must be returned before instructions are issued and the valuation report is completed.
Loan Agreement Days 5-9
Loan Agreement then Settlement: When valuation is returned and we have everything, we’ll ask for the quoted legal fee deposit to be paid. Once that’s done, we’ll instruct one of our panel Lawyers to send the loan documents incl the loan agreement(s), mortgage(s), and any other necessary paperwork straight to your nominated legal firm.
We offer loans to suit business clients
You are a professional
Our loans are available to business clients that are directors and guarantors of Companies and Corporate Trustees, SMSF’s, mortgage brokers, financial planners, solicitors, accountants, builders, developers and their clients.
Their clients include: property investors, the self-employed, commission based, high net worth individuals with complex finances, expats living abroad, those with credit issues, start-ups and more.
Maximum LVR's
Up-to 75%
1st mortgage Resi
Up-to 75%
2nd mortgage Resi
Up-to 75%
Vacant Land
Up-to 75%
1st & 2nd Commercial
Management Team
You're in good hands
We’re a team of professionals and have long-term business relationships with legal firms, valuation firms, mortgage brokers and referrers.
Director Rob Kirk in 2026 celebrates 31 years in non-bank and private mortgage lending, origination and mortgage management.
Director's Achievements 2020 to 2025
$426,624,672
settled loan volume
301
settled borrowers
31
years in mortgages
$550,000,000
2026 new funding limit
What We Offer
Our Financial Solutions
Highest loan amounts and highest LVR non-bank financing to assist with property purchases, loan refinancing, releasing property equity, replacing short-term loans with longer loan-terms, working capital and debt consolidation, meeting ATO obligations and expiring loans.
Some clients may not meet traditional bank requirements, or their funding needs might fall outside standard banking and non-bank lending criteria. Whether financials are incomplete or slightly below servicing thresholds, dealing with newly registered ACN/ABNs, outstanding tax obligations, capital injections or acquisitions, urgent settlement timelines, or the need to reduce opportunity costs, we’re equipped to support a wide range of scenarios. We currently do not offer construction loans.
1st Mortgages
Loans available up-to 75% residential, up-to 75% commercial and up-to 75% vacant land. Acceptable locations include the capitals (except NT) and most major regionals. Amounts from $200k to $30m per property. From 3-36 months.
2nd Mortgages
Loans available up-to 75% residential and up-to 75% commercial. Acceptable locations include Sydney, Melbourne, Brisbane, Gold Coast, Sunshine Coast, Canberra and most major regionals. Amounts from $400k to $7.5m per property. From 3-36 months.
Property Security
Residential and prestige/luxury homes, vacant land, commercial buildings, industrial factories and retail shops including restaurants and offices. Single-tenant buildings to shopping centres, high street retail, cafes, complexes and more.
Maximum Loan Amounts
$30,000,000
1st mortgage Resi
$7,500,000
2nd mortgage Resi
$10,000,000
1st & 2nd Vacant Land
$20,000,000
1st & 2nd Commercial
About Us
Fast Funding. Big Thinking. Jumbo Results.
Directors with 31+ Years of Experience in Residential and Commercial Mortgages
Jumbo Capital is a nationwide private lender with the highest residential LVR’s and above-market loan limits.
We’re a direct lender with reliable and tailored short-term business loans to suit typical situations. Our loans are secured against Australian property and land, and designed specifically for small and medium-sized Australian businesses, ensuring confidence and financial certainty.
The Director Rob Kirk is supported by an internal credit team located in Sydney with offices on the Sunshine Coast, Brisbane, Sydney and Melbourne.
Who We Work With: Jumbo Capital collaborates with a network of trusted professionals including, mortgage and finance brokers, accountants, solicitors, financial advisers, builders and developers to deliver tailored lending solutions for them and their clients.
Important Note: We are not licensed by ASIC to arrange or discuss regulated home loans. All loans provided by Jumbo Capital are strictly for Company (Pty Ltd) borrowers, ensuring compliance with relevant legislation and providing clarity to brokers, clients and partners.
The Jumbo Capital difference
We've settled loans in 24 – 48 hours
We bring together expertise, innovation, and a client-focused approach to deliver financial solutions that truly make a difference to your bottom line.
Rapid turnaround: With warehouse funding behind us, we can assess your application at exceptional speed. No delays from investor-matched funding reliance.
Tailored credit solutions: We take a commercially minded client-first approach recognising that every borrower’s situation is unique. Each proposal is evaluated on its own merits, allowing us to structure deals with flexibility and creativity. Unlike traditional lenders bound by rigid criteria, we offer multiple pathways to assess income serviceability and meet diverse needs.
Highest LVR’s: We offer Australia’s highest residential LVR up-to 75% of property value for owners and purchasers requiring more.
By focusing on non-NCCP (non-code) commercial and business lending, we ensure every approved facility delivers genuine commercial value and aligns with the strategic needs of our clients.
Residential security up-to $30m & LVR's up-to 75% on 1st mortgages & up-to 75% on 2nd mortgages
Commercial & Industrial security up-to $20m & LVR's up-to 75% on 1st & 2nd mortgages
Vacant Land security up-to $10m and LVR's up-to 75% - 1st mortgage & blended available
Business Loans
Our loan products
(Mortgage Origination & Management)
Jumbo Capital specialises in asset-based finance, providing funding to businesses and trusts using their property assets as security, supported by a registered first or second mortgage. We consider all property types as acceptable collateral.
Our loans offer straightforward, outcome-driven support for business owners and company directors seeking quick access to funds. Thanks to our efficient application process and rapid decisions from our dedicated in-house team, we’re well equipped to help you overcome urgent financial pressures with confidence.
We provide a range of loan options designed for businesses seeking short-term financing.
After assessing your application and current circumstances, we’ll identify the loan product that best fits your needs. Each of our offerings is designed to be straightforward to implement, simple to manage, and well supported.
Loans available only to Companies registered with the Australian Securities and Investments Commission
Hyper (no longer available)
Our Hyper loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need first mortgage funding well above 75% of the property’s value and require a rapid settlement, without placing too much emphasis on interest rates or fees.
fr1.59% pm
- 1st mortgage only | 2 & 3 day urgent settlements!
- Up-to 90% LVR Sydney, Melbourne, Brisbane, Gold Coast & Canberra
- Up-to 90% LVR Newcastle, Wollongong, Geelong, Central Coast
- 75.01% to 77.5% LVR – Rate 1.59% per month
- 77.51% to 80% LVR – Rate 1.75% per month
- 80.01% to 85% LVR – Rate 1.92% per month
- 85.01% to 90% LVR – Rate 2.08% per month
- Min 2 to Max 6 months term
- Capitalised interest or monthly with Accountant Letter
- No credit scoring | ATO bal’s up-to $15k acceptable
- Min $250k up-to $2.5m* per property incl of all fees
- Exit can only be Sale of the Security Property or Refinance
- Monthly service fee of 0.11%
- Valuation required – Sovereign NSW & Vic, Opteon Qld
- Legals by Thomson Geer
- Construction or land development
- Land, Acreage Property, Rural Property & Farmstead
- 3rd Party securities
- Credit code regulated
Pulse (1st Mortgages only)
Our Pulse loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need first mortgage funding up-to 75% of the property’s value and require a fast settlement, with an emphasis on competitive interest rates and fees.
fr9.50% pa (effective 12/5)
- 1st mortgage only
- Up-to 75% LVR Major Cities – for Resi
- Up-to 65% LVR Regional Cities – for Resi
- Up-to 55% LVR Rural/Destinational – for Resi
- Up-to 65% LVR Major Cities – for Commc’l, Indust, Retail
- Up-to 50% LVR Regional Cities – for Commc’l, Indust, Retail
- Min 6 to Max 36 months term
- Capitalised interest or monthly
- Establishment & Legal fees included in loan
- Min $750k up-to $30m Resi
- From $750k up-to $20m Commc’l, Indust, Retail
- Exit must be specified
- Valuation(s) required
- Monthly service fee from 0.11%
- SMSF loans
- Vacant land
- Construction or land development
- 3rd Party securities
- Credit code regulated
Surge (2nd Mortgages only)
Our Surge loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need second mortgage funding up-to 75% of the property’s value and require a fast settlement, with an emphasis on competitive interest rates and fees.
fr12.25% pa (effective 12/5)
- 2nd mortgage only
- Up-to 75% LVR Major Cities – for Resi
- Up-to 65% LVR Regional Cities – for Resi
- Up-to 55% LVR Rural/Destinational – for Resi
- Up-to 65% LVR Major Cities – for Commc’l, Indust, Retail
- Up-to 50% LVR Regional Cities – for Commc’l, Indust, Retail
- Min 3 to Max 36 months term
- Capitalised interest or monthly
- Establishment & Legal fees included in loan
- Min $400k up-to $7.5m
- From $500k up-to $5m Commc’l, Indust, Retail
- Exit must be specified
- Valuation required
- As-is site related valuations considered
- Minimum capitalisation rates fr 5.75% – 6.25%
- Monthly service fee from 0.15%
- Vacant land
- Construction or land development
- Behind a private 1st mortgagee
- Caveat settlements on case-by-case
- 3rd Party securities
- Credit code regulated
Core (1st Mortgages only)
Our Core loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need funding up-to 75% of the property’s value by 1st mortgage and require a competitive interest rate and fees, and borrowing less than $3m.
fr9.10% pa (effective 8/5)
- 1st mortgage only
- Up-to 75% LVR All Cities – Resi House & Townhouse
- Up-to 65% LVR All Cities – Resi Unit & Apartment (min 50m2)
- Up-to 60% LVR All Cities – Inner City Apartment (min 50m2)
- Up-to 60% LVR All Cities – Single Dwelling Land
- Up-to 65% LVR Metro – Residual stock
- Min 3 to 24 months term (Land & Residual Stock Max 12 months)
- Capitalised interest or monthly with Accountant Letter
- Establishment & Legal fees included in loan
- Min $200k up-to $3m ($3m-$20m High Core)
- Exit must be specified
- Valuation required (No DA value considered)
- Variable Interest Rate only
- Monthly service fee from 0.11%
- Construction or land development
- Commercial, Industrial, Retail
- Rural residential greater than 1HA
- Borrower/Director/Guarantor with Equifax score less than 550
- 3rd Party securities
- Credit code regulated
- SMSF loans
- O/O loans to applicants over 65 years old
High Core (1st Mortgages only)
Our High Core loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need funding up-to 75% of the property’s value by 1st mortgage and require a competitive interest rate and fees, and borrowing higher than $3m and less than $20m.
fr9.3% pa (effective 8/5)
- 1st mortgage only
- Up-to 75% LVR All Cities – Resi House & Townhouse
- Up-to 65% LVR All Cities – Resi Unit & Apartment (min 50m2)
- Up-to 60% LVR All Cities – Inner City Apartment (min 50m2)
- Up-to 60% LVR All Cities – Single Dwelling Land
- Up-to 65% LVR Metro – Residual stock
- Min 3 to 24 months term (Land & Residual Stock Max 12 months)
- Capitalised interest or monthly with Accountant Letter
- Establishment & Legal fees included in loan
- Min $3m up-to $20m
- Exit must be specified
- Valuation required (No DA value considered)
- Variable Interest Rate only
- Monthly service fee from 0.11%
- Construction or land development
- Commercial, Industrial, Retail
- Rural residential greater than 1HA
- Borrower/Director/Guarantor with Equifax score less than 550
- 3rd Party securities
- Credit code regulated
- SMSF loans
- O/O loans to applicants over 65 years old
Base (1st Mortgages only)
Our Base loan is designed for vacant land owners and purchasers, including those refinancing, consolidating or releasing equity who need funding up-to 60% of the land value or up-to 65% of Residual Stock value by 1st mortgage and require a competitive interest rate and fees and borrowing from $200k.
fr9.3% pa (effective 8/5)
- 1st mortgage only
- Up-to 60% LVR All Cities – Single Dwelling Land
- Up-to 65% LVR Metro – Residual stock
- Up-to 45% $200k to $3m from 9.25% – Single Dwelling Land
- 45.01% up-to 60% $200k to $3m from 9.7% – Single Dwelling Land
- Up-to 45% $3m to $7.5m from 9.5% – Single Dwelling Land
- 45.01% up-to 60% $3m to $7.5m from 9.55% – Single Dwelling Land
- Min 3 to Max 12 months term
- Capitalised interest or monthly with Accountant Letter
- Establishment & Legal fees included in loan
- Exit must be specified
- Valuation required (No DA value considered)
- Variable Interest Rate only
- Monthly service fee from 0.11%
- Construction or land development
- Commercial land, Industrial land, Retail land
- Rural residential land
- Borrower/Director/Guarantor with Equifax score less than 550
- 3rd Party securities
- Credit code regulated
- SMSF loans
- First Home Buyer loans
Business Loans
Our loan products
(Mortgage Origination without Management)
Loans available only to Companies registered with the Australian Securities and Investments Commission
Modular (2nd Mortgages only)
Purchase, Refinance, Equity Release, Consolidation & Bridging
frTBA% pa (effective 8/5)
- Up-to 70% LVR Bris + 5km, Gold Coast and Sunshine Coast – Resi up-to-$500k
- Up-to 70% LVR Sydney + 5km, Canberra/Queanbeyan, Newcastle, Central Coast and Wollongong – Resi up-to-$500k
- Loan terms 6, 9 or 12 months available
- Payment of interest upon repayment of the loan
- No mortgagee letter, no deed of priority and no consent required
- 1 business day turnaround on approvals and funding
- Typically funded within 48 hours
- Online application with $250 non-refundable upfront application fee
- Establishment, Origination & Legal fees included in loan
- Min $100k in the hand
- Max $400k in the hand
- Exit must be specified
- Desktop Valuations (RP Data IntelliVal)
- Company Borrowers with ABN’s min 6 months
- Fixed Interest only
- Residential dwellings only
- O/O loans to applicants over 65 years old
- 3rd Party securities
- Credit code regulated
Flux (1st & 2nd Mortgages)
Purchase, Refinance, Equity Release, Consolidation & Bridging
fr7.55% pa (effective 8/5)
- 1st & 2nd mortgages
- Up-to 75% LVR All Cities – Resi 1st RM’s from 8% – 14% up-to $5m
- Up-to 75% LVR All Cities – Resi 2nd RM’s 19.25% – 24% up-to $5m
- Min 6 to Max 24 months term
- Capitalised interest or monthly with Accountant Letter
- Establishment & Legal fees included in loan
- Jumbo Capital charges a small facilitation fee on this loan
- Min $250k
- Exit must be specified
- Desktop Valuations available under $300k & under 50% LVR. Shortform 50-60% LVR. Fullform 60.01%-75% LVR
- Fixed Interest Rate only
- ABN or ACN less than 6 months old
- Monthly service fee from 0.11%
- Residential, Commercial, Industrial and Retail (no land)
- SMSF loans
- O/O loans to applicants over 65 years old
- Construction or land development
- Borrower/Director/Guarantor with Equifax score less than 400
- 3rd Party securities
- Credit code regulated
Business Loans
Loan products (White Label)
Loans available only to Companies registered with the Australian Securities and Investments Commission
Blends (1st & 2nd Mortgages)
Purchase, Refinance, Equity Release, Combinations of 1st & 2nd RM’s
fr8.45% pa (effective 8/5)
- 1st & 2nd mortgage combinations for higher LVR’s
- 70.01% – 75% LVR All Cities – Resi 8.89% up-to $10m
- 65.01% – 70% LVR All Cities – Comm 9.8% up-to $10m
- 70.01% – 75% LVR All Cities – Comm 10.7% up-to $10m
- 60.01% – 65% LVR All Cities – Vacant Land 9.3% up-to $10m
- 65.01% – 70% LVR All Cities – Vacant Land 11% up-to $10m
- 70.01% – 75% LVR All Cities – Vacant Land 11.85% up-to $10m
- Min 3 to Max 24 months term + 12 months rollover
- Capitalised interest or monthly with Accountant Letter
- Due-diligence, Establishment & Legal fees included in loan
- Jumbo Capital charges a facilitation fee on this loan
- Min $250k
- Exit must be specified
- Valuation required
- Variable & Fixed Interest Rates
- ABN or ACN less than 6 months old
- Monthly service fee of 0.15%
- Rural residential greater than 1HA
- SMSF loans
- Development, Residential & Commercial Land
- Borrower/Director/Guarantor with Equifax score less than 500
- Construction or land development
- 3rd Party securities
- Credit code regulated
Broker's
Accreditation Portal
Jumbo Capital partners with mortgage brokers, accountants, solicitors and referrers and is not itself a mortgage broker.
Backed by decades of experience since 1995, management’s capabilities are rooted in strategic origination and management agreements with respected non-bank lenders. They include Interstar Securities, Challenger Mortgage Management, Challenger Non-Conforming Finance/The Mortgage Alternative, Advantedge Financial Services, Paladin Wholesale Finance (Pr1me), Seiza Mortgage Company, MOGA Lending, Mobius Financial Services and a number of less prominent providers.
For several years the directors non-bank lending businesses PRM & PMC, using wholesale funds from CMM, had the distinct honour of being consistently ranked in the top 5 for loan volume throughout Qld.
Blogs
Recent loan approvals to clients
A snapshot of 5 loan products in action. Here we display our Hyper loans at and up-to 90% by 1st mortgage, our Surge loans up-to 75% by 2nd mortgage, our Blends loan at 82%, our Pulse loan at 75% and our Core at 70% by 1st mortgage on land value
Contact Us
We'd love to hear from you
We welcome your phone call or email. Prefer to send us your loan scenario, click the Express Enquiry Form button to make a time for a confidential chat:
Office Locations
Brisbane: 2/290 Boundary Street,
Spring Hill QLD 4000
Sydney: 1&2/457-459 Elizabeth Street,
Surry Hills NSW 2010
Melbourne: 329/98-100 Elizabeth Street,
Melbourne VIC 3000
Use our form
Online message
Complete this section and we’ll respond as soon as we can during business hours