Loans secured by Real Property
Equity Release. Refinance. Purchase. Construct. Renovate. Subdivide. Bridging. Consolidate. Flip. LOC. Caveats.
If you can borrow in the name of a Company Pty Ltd, don’t receive Gov’t benefits and have property/vacant land to be used as security, you can expect funds often in under a week! We offer Australia’s highest lvr’s up to 80% and loan limits up to $30m and up to 75% by 2nd mortgage. Our loan products are limited to privately funded mortgages, not consumer home loans.
Welcome to Jumbo Capital
Our edge over other lenders
You are a Company Director requiring non-bank financing for property and have a requirement to access immediate short-term finance that exceeds the limits set by other private lenders or require a higher loan-to-value ratio (LVR) for bridging purposes i.e 80%.
Purchasing 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
Releasing Equity: If you are looking to release equity from your residential property and require the highest available LVR in the market today
Construction & Subdivision: If you are about to commence construction, land subdivision or part way through construction, land subdivision and are looking for construction, development finance or to release equity from your residential or commercial property, or vacant land
Bridging: If you are looking to purchase property or land before selling existing property or land and require 100% of the purchase price + costs + holding interest + loan fees
Line of Credit: When you require ongoing access to funds as costs or opportunities come up. It’s a Line of Credit secured by property. Approve it once, then draw down as needed, repay any time, and redraw again, without reapplying for each transaction. No accountant letter or prepaid interest
About us
Who we are and what we offer
Jumbo Capital is a non-bank lender and Originator operating across Australia. Our clients are Company Pty Ltd Directors, SMSF Trustees, Accountants, Solicitors, Commercial Loan Brokers and Home Loan Brokers.
The Director of Jumbo Capital Rob Kirk has more than 31 years of experience in property-backed non-bank lending, mortgage origination and mortgage management.
We offer a tailored range of our own privately funded loan products secured by residential and commercial property including residential land.
Loan products available: Eighty 1st mortgage up-to 80%, Line of Credit 1st mortgage up-to 80%, Line of Credit 2nd mortgage up-to 75%, Pulse 1st mortgage up-to 70%, Surge 2nd mortgages and Caveats up-to 75%, Core & High Core 1st mortgage to 75%, Base (Residual Stock) up-to 65% & Base (Vacant Land) 1st mortgage up-to 70%.
Company Pty Ltd Borrowers Only
A straightforward approach to lending (max 36 mths)
Prompt, streamlined financing when you need it fast.
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
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, an indicative quote is sent to you that includes checklist items such as scans of DL’s, Rates Notices, Loan Statements.
Indicative Quote
Indicative Quote: Once our (IQ) has been confirmed by you, and a completed and signed application form, identification, and all required supporting documents are received by us, we’ll prepare and submit your application. Following assessment, the Credit team makes a favourable decision on the application.
Indicative Approval
Indicative Letter of Offer: Once the assessment is completed, an Indicative Loan Offer (ILO) will be issued outlining review conditions if any. A valuation quote, if required, will be provided for payment. The signed ILO and payment must be returned before instructions are issued and the valuation report is completed.
Loan Agreement
Loan Agreement then Settlement: When valuation is returned and we have everything, we may ask for a legal fee deposit. 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, home loan brokers, financial planners, solicitors, accountants, builders, developers and their clients.
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 80%
1st Mortgage Resi
Up-to 75%
2nd Mortgage Resi
Up-to 70%
Vacant Land
Up-to 70%
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, home loan 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
$437,112,920
settled loan volume
315
settled borrowers
31
years in mortgages
$240,000,000
2026 core funding line
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 including construction and land subdivision loans.
1st Mortgages
Loans available up-to 80% residential, up-to 70% commercial and up-to 70% vacant land. Acceptable locations include the capitals (except NT) and most major regionals. Amounts from $125k to $30m per property. From 3-36 months.
2nd Mortgages & Caveats
Loans available up-to 75% residential and up-to 70% commercial. Acceptable locations include all cities, major regionals and coastals with populations over 50,000. Amounts from $100k to $7.5m per property. From 3-36 months.
Property & Vacant Land Security
Residential and prestige/luxury homes, vacant & development 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
$20,000,000
1st mortgage Resi
$7,500,000
2nd mortgage Resi
$10,000,000
1st & 2nd Vacant Land
$20,000,000
1st & 2nd Commercial
Residential security up-to $20m & LVR's up-to 80% on 1st mortgages & up-to 75% on 2nd mortgages and caveats
Commercial & Industrial security up-to $20m & LVR's up-to 75% on 1st & 2nd mortgages & caveats
Vacant Land security up-to $10m and LVR's up-to 70% - 1st & 2nd mortgage available
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