ORDE’s lending products are offered on a risk rated basis, where a customer’s personal circumstances and lending needs are assessed to determine an appropriate risk category from Prime through to Specialist +. Detailed below are the common factors that could impact a customer’s risk grade away from Prime and into a tailored lending product.
Final risk grade eligibility is subject to full credit review as can be impacted by other risk indicators across an applicant’s employment history, income sources, credit history or security characteristics.
Acceptable Borrowers/Guarantors are outlined below
Individuals
Australian or New Zealand citizens or permanent residents (appropriate VISA confirmation required if foreign document supplied) living in Australia or acceptable jurisdictions for expat loans.
Other visas or in-flight PR applications are acceptable provided at least one borrower/guarantor is a citizen or Permanent Resident.
Expats – An Australian or New Zealand citizen or permanent resident living overseas (See Expat Product)
Minimum age of borrower is 18.
Company Borrowers
The company must have a valid ACN.
All directors must be guarantors of the borrowing entity.
Trust Borrowers
Loans to a trust must be in the name of the trustee in its/their own right and also in its/their capacity as trustee.
Discretionary, Unit, or family trusts permitted.
| Prime | Near Prime | Near Prime + | Specialist | Specialist + | |
|---|---|---|---|---|---|
| Permanent FT/PT | 6 Months Current or 12 Months Industry | 3 Months Current or 12 Months Industry | |||
| Casual | 12 Months Current | 6 Months Current or 12 Months Industry | |||
| Self Employed | ABN Minimum 24 Months (consecutive ABN structures acceptable) and GST Minimum 12 Months | ABN Minimum 12 Months and GST Minimum 6 Months | ABN Minimum 6 Months and GST Minimum 6 Months |
| Prime | Near Prime | Near Prime + | Specialist | Specialist + | ||
|---|---|---|---|---|---|---|
| Paid Defaults | Up to $500 | Unlimited up to $1,000 accepted | ||||
| Up to 2 where listed 12 months ago | Unlimited | |||||
| Unlimited Unpaid Defaults | No | Up to $1,000: accepted | Where listed over 12 months ago | Where listed over 6 months ago | Yes | |
| Mortgage Arrears | No Arrears | < 1 month (paid) | 1 month | 3 months | > 3 months | |
| Other Arrears | No Arrears | 1 month | 3 months | > 3 months | > 3 months | |
| Discharged Bankruptcy | No | From 1 year | From 1 day |
Table below show maximum loan and lvr for Residential products for other products see product specific sections for their respective table (Cat 1 Metropolitan locations only when > 80% LVR) and speak to a broker regarding non metro locations.
| Segment | LVR | Maximum Loan Amount | |
|---|---|---|---|
| Prime | ≤80% | $3,000,000 | |
| Prime | ≤85% | $1,750,000 | |
| Near Prime | ≤75% | $3,000,000 | |
| Near Prime + | ≤80% | $2,000,000 | |
| Specialist | ≤75% | $1,500,000 | |
| Specialist | ≤80% | $1,250,000 | |
| Specialist + | ≤75% | $1,250,000 | |
| Specialist + | ≤80% | $1,000,000 |
| Prime | Near Prime | Near Prime + | Specialist | Specialist + | |
|---|---|---|---|---|---|
| Debt Consolidation | Unlimited personal or business debts | ||||
| Private Loan | Evidenced conduct | Capitalised Interest | |||
| Cashout | Unlimited for acceptable stated purpose (max $300,000 when >80% LVR) | ||||
| Vacant Land | Acceptable – Refer to Vacant Land product | Not Acceptable | |||
| Max Land Size | Unlimited (on application) |
| Segment | LVR | Metro (Sydney / Melbourne / Brisbane^) | Metro (All other Capital Cities) | Cat 1 & 2 | |
|---|---|---|---|---|---|
| Prime | ≤75% | $5,000,000 | N/A | N/A | |
| Prime | ≤70% | $5,000,000 | N/A | N/A | |
| Prime | ≤60% | $5,000,000 | $5,000,000 | $3,500,000 |
| Prime | ||
|---|---|---|
| Purpose | Any reasonable purpose including purchase, refinance, consolidation or equity release | |
| Cashout | Unlimited for acceptable stated purpose | |
| Acceptable Securities | Residential security excluding Vacant Land | |
| Max Exposure | $7.5m (Individual exposures above $5m should be discussed with your BDM) | |
| Income | Permanent PAYG, Self Employed (Full or Alt Doc) and Rental Income | |
| Self Employed | ABN Minimum 24 Months | |
| Self Employed | GST Minimum 12 Months |
| LVR | Residential Cat 1 | Residential Cat 2 | |
|---|---|---|---|
| ≤65% | $2,500,000 | $2,000,000 | |
| ≤70% | $2,000,000 | $1,500,000 | |
| ≤75% | $1,500,000 | $750,000 |
| Category | Requirement | |
|---|---|---|
| Acceptable Securities | Residential Cat 1 & 2 – Max 5 Acres | |
| Acceptable Securities | Residential HBU Cat 1 & 2 – Max 1 Acre | |
| Acceptable Securities | Commercial Cat 1 – Max 1 Acre | |
| Intention to Construct | Refer to Construction Product – when migrating from Vacant Land product to Construction new application required and additional fees may apply | |
| Customer Profile | Refer to Residential or Commercial Customer Profile requirements |
| LVR | Cat 1 | Cat 2 | |
|---|---|---|---|
| ≤65% | $5,000,000 | $2,500,000 | |
| ≤70% | $5,000,000 | $2,000,000 | |
| ≤75% | $3,500,000 | $1,750,000 | |
| ≤80% | $2,500,000 | $1,500,000 |
| Prime | Near Prime | ||
|---|---|---|---|
| Purpose | Construction of residential property or significant home renovations by a licensed / registered builder | ||
| Redraw | Free redraw available after construction period | ||
| Acceptable Securities | Residential Vacant Land (max 5 Acres) and established residential properties | ||
| Construction Commencement | Construction must commence within 3 months of settlement. For Vacant Land purchases where construction commencement will exceed this limit refer to Vacant Land Product. | ||
| Construction Period | Construction must be completed within 12 months. Upon completion of the construction period the interest rate will convert to the standard rate for the product unless in arrears. | ||
| Self Employed | ABN Minimum 24 Months (consecutive ABN structures acceptable) | ABN Minimum 12 Months | |
| Self Employed | GST Minimum 12 Months | GST Minimum 6 Months |
| Prime | Near Prime | Near Prime + | ||
|---|---|---|---|---|
| Debt Consolidation | Unlimited debts | |||
| Cashout | Unlimited for acceptable stated purpose | |||
| Acceptable Securities | Office, Warehouse, Factory, Retail Premises, Light Industrial & Vacant Land (max 65%) – refer to Vacant Land product for Commercial Vacant Land securities | |||
| Acceptable Securities | *Specialised securities considered case by case |
| Prime | Near Prime | Near Prime + | ||
|---|---|---|---|---|
| Permanent FT/PT | 6 Months Current or 12 Months Industry | 3 Months Current or 12 Months Industry | ||
| Casual | 12 Months Current | 6 Months Current or 12 Months Industry | ||
| Self Employed | ABN Minimum 24 Months (consecutive ABN structures acceptable) | ABN Minimum 12 Months | ||
| Self Employed | GST Minimum 12 Months | GST Minimum 6 Months | ||
| Lease Doc – Term Remaining | 3 years (including options) | 2 years (including options) | 1 year (including options) |
| Prime | Near Prime | Near Prime + | ||
|---|---|---|---|---|
| Paid Defaults | Up to $500 | Unlimited up to $1,000 accepted | ||
| Paid Defaults | Up to $500 | Up to 2 where listed 12 months ago | Unlimited | |
| Unlimited Unpaid Defaults | No | Up to $1,000 accepted | Where listed over 12 months ago | |
| Mortgage Arrears | No Arrears | < 1 month (paid) | 1 month | |
| Other Arrears | No Arrears | 1 month | 3 months | |
| Discharged Bankruptcy | No | From 1 year | From 1 day |
| Category | LVR | Maximum Loan Amount | |
|---|---|---|---|
| Prime | ≤80%^ | $3,000,000 | |
| Prime | ≤70%^ | $4,000,000 | |
| Prime | ≤65%^ | $5,000,000 | |
| Near Prime | ≤75%^ | $3,000,000 | |
| Near Prime + | ≤75%^ | $2,000,000 | |
| Near Prime + | ≤70%^ | $3,000,000 |
| Category | LVR | Maximum Loan Amount | |
|---|---|---|---|
| Prime | ≤80%^ | $3,000,000 | |
| Prime | ≤70%^ | $4,000,000 | |
| Prime | ≤65%^ | $5,000,000 | |
| Near Prime | ≤75%^ | $3,000,000 | |
| Near Prime + | ≤75%^ | $2,000,000 | |
| Near Prime + | ≤70%^ | $3,000,000 |
Suitable for consumers who are trustees of a self-managed super fund who are seeking to invest in residential property within their fund where the purchase contract was exchanged prior to 10 August 2026 or refinance an existing Residential SMSF loan. The trustees should have a minimum of $150,000 within superannuation.
The Loan Products are designed for individuals who may be seeking the following:
Obtain an investment loan to purchase residential property exchanged prior to 10 August 2026 within their super fund; or
Arranging to refinance an existing limited recourse borrowing arrangement (LRBA).
Purchase of a commercial property meeting the grandfathered provisions (i.e., exchanged contract prior to 10 August 2026);
Purchase of business real property from 10 August 2026;
Refinance of an existing LRBA secured against commercial property meeting the grandfathered provisions (i.e., exchanged contract prior to 10 August 2026) or refinance of an existing LRBA secured against business real property.
• Australian bank account where rental payments are made and repayments deducted
• Must have an agent or power of attorney in favour of an Australian Resident (residing in Australia) or Australian Legal firm appointed to received legal notice on the behalf of the borrower. Identification of the agent or power of attorney must satisfy ORDE’s requirements.
Australian bank account where rental payments are made and repayments deducted
Must have an agent or power of attorney in favour of an Australian Resident (residing in Australia) or Australian Legal firm appointed to received legal notice on the behalf of the borrower. Identification of the agent or power of attorney must satisfy ORDE’s requirements.
Credit Report from appropriate credit reporting agency of resident country to be supplied
ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079. ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 and Australian Credit Licence 523150.
Eligibility criteria and lending policies are subject to change and approval under ORDE's credit criteria. Terms and conditions apply. Information current as at 8 July 2026.