Frequently asked questions

Simple property loans are – you guessed it – simple. That means no ATO portals, tax returns, serviceability assessment calculations. Our focus is on the quality of the security property, the strength of the applicant as well as the loan purpose and exit strategy.

We are unable to provide any lending that is governed by the National Consumer Credit Code. That means we only provide business loans to business people for business purposes. Only trust and company borrower entities will be accepted.

Yes. We see ourselves as construction specialists, and we support our borrowers and brokers on construction through our Jadig Finance brand. We’re happy to talk it through, or you can learn more about Jadig Finance’s services.

Yes, we understand the need for second mortgages and caveat loans, and we can support this under our Jadig Finance brand. We’re happy to talk it through, or you can learn more about Jadig Finance’s services.

In a finance world full of choice, some good, some bad, we always recommend talking to your broker before applying. Despite our simple approach, a finance broker can always help to streamline the process, as we talk the same language.

After the initial term, this product offers the option of a further term, subject to good payment history and credit approval. Rollover fee of 0.75% + GST (excluding brokerage, if applicable) will apply to extensions. Valuation and legals at cost incurred.

There is a small list of nitty-gritty items to be aware of:

• All applications require valuations to be instructed by or redirected to us with costs to be borne by the Borrower (priced on application but approximately $1–3k plus GST);
• Legal fees are borne by the Borrower (priced on application but approximately $3–4k plus GST and expenses);
• Our application fees are plus GST (excluding brokerage, if applicable);
• No trail is offered on our loans.