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Business Loans
Jumbo Capital's own non-bank property loan range
(Core Loans)
Jumbo Capital specialises in non-bank finance, providing funding to businesses and trusts using their property or vacant land as security, supported by a registered first or second mortgage. Properties include residential, commercial, industrial and retail.
Loans available only to Companies registered with the Australian Securities and Investments Commission
Pulse (1st Mortgages) (16/9)
Our Pulse loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need first mortgage funding up-to 70% of the property’s value and require a fast settlement, with an emphasis on competitive interest rates and fees. Resi Lender of Record: Jumbo Capital Pty Ltd
fr9.50-9.95% pa Resi
fr9.50-10.75% pa Comm
- 1st mortgage only
- Up-to 70% 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
- Risk Fee $0
- Min $750k up-to $7.5m Resi
- From $750k up-to $20m Comc’l, Indust, Retail
- Exit must be specified
- Valuation(s) required
- Monthly service fee 0.1%
- SMSF loans
- Vacant land
- Construction or land development
- Land, Acreage Property, Rural Property & Farmstead
- 3rd Party securities
- Credit code regulated
Surge (2nd Mortgages) (16/9)
Our Surge loan is designed for property owners and purchasers, including those refinancing, consolidating or releasing equity who need second mortgage funding up-to 70% of the property’s value and require a fast settlement, with an emphasis on competitive interest rates and fees.
fr12.25-16.45% pa Resi
fr13.25-17.95% pa Comm
- 2nd mortgage only
- Up-to 70% 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
- Risk Fee $0
- Min $400k up-to $7.5m
- From $400k 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 0.15%
- SMSF loans
- 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) (16/9)
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.
fr9.10-9.90% pa
- 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) (16/9)
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.
fr9.30-10.20% pa
- 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) (16/9)
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.
fr9.30-9.90% pa
- 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
Eighty (1st Mortgages) (16/9)
The Eighty loan is offered tor property owners and purchasers, including those refinancing, consolidating or releasing equity who need first mortgage funding up to 80% of the property values.
**This is a 3rd party loan product and is not offered to or available to commercial mortgage brokers. It is offered directly to Jumbo Capital’s clients that are owners and purchasers**
fr9.45-10.50% pa
- 1st mortgage only
- Up-to 80% LVR Brisbane, Adelaide and Perth Resi
- Up-to 80% LVR Other Capitals & Major Cities. Resi. Conditions apply
- 6 month term – Rate 9.45% pa (80%)
- 9 month term – Rate 10.10% pa (80%)
- 12 month term – Rate 10.50% pa (80%)
- Detached Residential Housing and Townhouses only
- Min 3 months term
- Capitalised interest or Accountants Letter
- Max loan amount $3.5m
- Exit can only be sale of the security property or refinance
- Establishment, Origination & Legal fees included in loan
- $0 Risk fee
- $0 monthly service fee
- Valuation required by Opteon & Panel or BYO considered
- Legals by Parsons and Partners or Finance Law
- Construction or land development
- Land, Acreage Property, Rural Property & Farmstead
- 3rd Party securities
- Credit code regulated
Business Loans
Loan products from other providers
(White Label without Management)
Loans available only to Companies registered with the Australian Securities and Investments Commission
Modular (2nd Mortgages)
Purchase, Refinance, Equity Release, Consolidation & Bridging
frTBA% pa
- 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 Line of Credit
1st or 2nd Mortgage
(Non-Core Loan Products)
Loans available only to Companies registered with the Australian Securities and Investments Commission.
**This is a 3rd party loan product and is not offered to or available to commercial mortgage brokers. It is offered directly to Jumbo Capital’s clients that are owners and purchasers** (effective 16 Sept 2026)
Line of Credit – 1st RM
A facility for Company Pty Ltd Borrowers who don’t need a single lump sum, they need 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.
fr9.95-11.95% pa
- Up to 80%* LVR
- Secured by residential, commercial, rural or vacant land
- Interest accrues daily, capitalise it or pay monthly, your choice
- Repay any time with no penalty
- Approved drawdowns (min $10k) usually funded within 24 hours
- Terms up to 2 years, subject to annual review
- Establishment fee 2.5% included in loan
- Origination fee 2.5% included in loan
- Min $100k up to $2m
- Valuation required
- Annual line fee of 1%
- Annual review fee of 0.95%
- Legal fee and outlays included in the loan
- Accountant Letter or prepaid interest
- Exit must be specified
- 3rd Party securities
- Credit code regulated
- * Disclaimer: This is a 3rd party loan product. Rates, LVR’s and terms offered are directly from the credit provider and depend on security, borrower profile, loan purpose, property type, exit strategy and overall transaction quality, and are subject to their credit approval and lending policy
Line of Credit – 2nd RM
A facility for Company Pty Ltd Borrowers who don’t need a single lump sum, they need 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.
fr12.95-17.95% pa
- Up to 75%* LVR
- Secured by residential, commercial, rural or vacant land
- Interest accrues daily, capitalise it or pay monthly, your choice
- Repay any time with no penalty
- Approved drawdowns (min $10k) usually funded within 24 hours
- Terms up to 2 years, subject to annual review
- Establishment fee 2.5% included in loan
- Origination fee 2.5% included in loan
- Min $100k up to $2m
- Valuation required
- Annual line fee of 1.5%
- Annual review fee of 0.95%
- Legal fee and outlays included in the loan
- Accountant Letter or prepaid interest
- Exit must be specified
- 3rd Party securities
- Credit code regulated
- * Disclaimer: This is a 3rd party loan product. Rates, LVR’s and terms offered are directly from the credit provider and depend on security, borrower profile, loan purpose, property type, exit strategy and overall transaction quality, and are subject to their credit approval and lending policy