Seven million Australians are entering their forever-home decade
Millennials are moving into their 40s over the next decade, creating new demand for upgrades, builds, bridging, vacant land and more complex residential lending pathways. For brokers, this is more than a demographic shift. It is a chance to identify clients who are ready to move, build, renovate, refinance or secure land for the next stage of life.
Read more about millennials on the move in our Outlook Australia report.
Watch the video to hear Bernard Salt share how the ‘Forever Home’ opportunity is playing out for brokers.
ORDE helps you turn client signals into lending opportunities.
One accreditation, one application | Flexible income options | Fast, reliable SLAs | No clawbacks, fees or annual reviews
“My client wants to upgrade their family home”
Your clients may have growing family needs, changing income, equity to access or a property goal that does not fit a standard lending path.
ORDE Residential loans support borrowers purchasing, refinancing, consolidating or releasing equity, with options for PAYG and self-employed applicants.
ORDE Residential Loans - built for more
Loans up to $3m
Up to 85% LVR
Full Doc and Alt Doc
Prime, Near Prime and Specialist borrowers
Estimate your client's borrowing capacity:
Check in with clients aged 30–45 who bought their first home five or more years ago – many may now be ready for their next move.
“My client wants to build, renovate or buy a house or land”
Construction lending often involves additional complexity – from timing and staged payments to cost changes, builder requirements and more complex income verification.
ORDE Construction loans support new builds, house and land packages, duplexes and significant renovations, with access to experienced construction lending support.
Construction Loans - supporting a wider range of needs
Loans up to $2.5m
Up to 80% LVR
Full Doc and Alt Doc
Prime and Near Prime borrowers
Up to 5 years’ interest only with no interest only loading
Automatically reverts to standard Residential interest rate upon completion of construction
Estimate the loan amount for your client’s build:
Listen for conversations around renovations, school zones, rebuilds or lifestyle moves – often a cue for construction lending.
“My client has found the right property but has not sold yet”
Timing can be the hardest part of the move – clients may find the right property before their existing one is sold.
ORDE Residential Bridging loans can support the purchase of a new property while they await the sale of their current one.
Residential Bridging loans - helping borrowers get into their new homes sooner
Loans up to $5m
Up to 80% LVR
Full Doc and Alt Doc for end debt servicing
Payments met from Interest Budget
Principal & Interest or Interest Only
Estimate peak and end debt for your client’s bridging scenario:
Listen for clients who want to move or act now but haven’t sold yet — often with plans to fix up or sell their current home once they do.
"My client wants to secure land now and build later”
Clients may want to act early in a growth corridor or lifestyle location, even if they are not ready to build immediately.
ORDE Vacant Land loans support borrowers looking to purchase, refinance or release equity from residential or commercial vacant land.
ORDE Vacant land loans - unlocking value
Loans up to $2m
Up to 75% LVR for residential | Up to 65% LVR for commercial
Loan terms to 30 years
Individual, company or trust
Principal & Interest or Interest Only
Scenario support
Talk through borrower structure, income, security and timing with an ORDE BDM.
Identify clients discussing long-term lifestyle moves, future builds, regional relocation, growth corridors or securing land before construction costs change.
Ready to unlock the forever-home opportunity in your client book?
Whether your client is upgrading, building, bridging or securing land, ORDE can help you workshop the scenario and find a lending pathway that fits.