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. Additional information on risk grade eligibility can be found <<here>> https://www.orde.com.au/cdr-product-eligibility,
ORDE’s application fees per product are charged as a percentage of the requested loan amount. Additional factors may impact the application fee payable for a particular product with final application fee amount subject to approval under ORDE’s credit criteria.
Application Fee (% by Risk Grade & LVR)
| LVR | Prime | Near Prime | Near Prime+ | Specialist | Specialist+ | |
|---|---|---|---|---|---|---|
| ≤70% | 0.35% | 0.35% | 0.50% | 1.00% | 1.00% | |
| ≤80% | 0.35% | 0.35% | 1.00% | 1.50% | 1.50% | |
| ≤85% | 1.00% | N/A | N/A | N/A | N/A |
Application Fee (% by Risk Grade & LVR)
| LVR | Prime | Near Prime | Near Prime+ | Specialist | Specialist+ | |
|---|---|---|---|---|---|---|
| ≤70% | 0.50% | 0.50% | 1.00% | 1.25% | 1.50% | |
| ≤80% | 0.50% | 0.75% | 1.25% | 1.50% | 1.75% | |
| ≤85% | 1.00% | N/A | N/A | N/A | N/A |
Valuation Fee: From $330
Ongoing Fee: $0
Solicitors Fee: At cost (~$500)
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% (within 3 years, unregulated loans only)
| Type | Interest Rate | Application Impact | |
|---|---|---|---|
| Interest Only | +0.30% | N/A | |
| Investment Property | +0.15% | N/A | |
| Acreage >25 | From +1.00% | 0.75% | |
| Loan $2m–$3m | +0.25% (waived) | 0.35% |
Application Fee: 1.25% (0.95% special)
Valuation Fee: From $330
Solicitors Fee: At cost (~$500)
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
| Security Type | Fee | |
|---|---|---|
| Residential | 1.25% | |
| Residential HBU | 1.50% | |
| Commercial | 1.50% |
Valuation Fee: Residential from $330 / Commercial from $1,100
Solicitors Fee: Residential ~$500 / Commercial ~$1,200
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
Application Fee: 1.25%
Valuation Fee: From $330
Solicitors Fee: At cost (~$500)
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
Application Fee (% by Risk Grade & LVR)
| LVR | Prime | Near Prime | Near Prime+ | |
|---|---|---|---|---|
| ≤70% | 0.85% | 1.00% | 1.50% | |
| ≤75% | 0.85% | 1.25% | 1.50% | |
| ≤80% | 1.00% | N/A | N/A | |
| >$3m | 1.25% | N/A | N/A |
Application Fee (% by Risk Grade & LVR)
| LVR | Prime | Near Prime | Near Prime+ | |
|---|---|---|---|---|
| ≤70% | 1.00% | 1.00% | 1.50% | |
| ≤75% | 1.00% | 1.25% | 1.50% | |
| ≤80% | 1.00% | N/A | N/A | |
| >$3m | 1.25% | N/A | N/A |
Valuation Fee: From $1,100
Ongoing Fee: $0
Solicitors Fee: At cost (~$1,200)
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
| Segment | LVR | Fee | |
|---|---|---|---|
| Residential Prime | ≤65% | Waived | |
| Residential Prime | ≤75% | 0.85% | |
| Residential Prime | ≤80% | 1.00% | |
| Residential Prime | >$3m | 1.25% | |
| Near Prime | – | 1.00%–1.25% |
Valuation Fee: From $330
Solicitors Fee: From $1,500 + GST
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
Application Fee:
≤3 properties: Refer residential pricing
3 properties: 1.25%
Valuation Fee: From $330
Solicitors Fee: ~$1,200
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
Application Fee: 1.50%
Valuation Fee: From $330
Solicitors Fee: ~$1,200
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
Application Fee: 1.50%
Valuation Fee: From $330
Solicitors Fee: ~$1,200
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Expiry / Renewal Fee: 0.50%
Application Fee: 1.25%
Valuation Fee: From $330
Solicitors Fee: ~$500
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Application Fee:
Prime: 0.75%
Near Prime: 1.00%
Valuation Fee: From $330
Solicitors Fee: ~$500
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
Application Fee: 1.50%
Valuation Fee: From $330
Solicitors Fee: ~$500
Ongoing Fee: $0
Discharge Fee: $450 + solicitor fees
Early Repayment Fee: 1.50% within 3 years
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.
Interest Rates, fees and charges are subject to change and approval under ORDE's credit criteria. Terms and conditions apply. Information current as at 08.07.2026.