ORDE Financial Updates Residential and Commercial Products to Align with Rising Property Market Expectations
- Residential loan limit increased to $3m at 80% LVR
- Residential Construction loan limit increased to $2.5m at 80% LVR
- Commercial loan max loan size increased to $3m, LVR lifted to 80%, rate cuts of up to 25 bps, and application fees waived for sub-65% LVR SMSF Commercial loans
Tuesday 6 May 2025 — In a strategic move to support broker and borrowers in a rising property market, leading Australian non-bank lender ORDE Financial has announced a suite of significant enhancements to its Residential and Commercial loan products.
With multiple sources[1], including KPMG[2] and Reuters[3], predicting continued growth in residential property prices, and all major banks predicting further rate cuts in May[4], market confidence is increasing across both residential and commercial sectors.
ORDE’s latest product updates are designed to give brokers and borrowers greater flexibility, more borrowing power and competitive pricing in this changing environment.
Residential Loan Enhancements
ORDE has increased the loan limit on its Residential Loans to $3 million, available to Prime borrowers at a maximum 80% LVR. The ORDE Residential product caters for both PAYG and self-employed borrowers, providing flexible options to support the purchase or refinance of residential property (including vacant land), as well as cash out or debt consolidation purposes.
This change means that borrowers could now access ORDE’s standard Residential prices for loans up to $3 million – a loan size previously exclusive to its Prestige range, effectively providing an interest rate reduction of up to 120 basis points on applicable loans.
ORDE has also made its Residential Construction product available to a maximum 80% LVR for loans up to $2.5m, providing more potential funding for borrowers looking to build or make significant renovations.
Additionally, the lender has introduced more competitive pricing for Non-Resident borrowers, with interest rate reductions of up to 85 basis points and an expanded list of eligible countries now including Australia, Canada, China, France, Germany, Hong Kong, Indonesia, Japan, Malaysia, New Zealand, Singapore, Switzerland, the United Kingdom and the United States.
Commercial Lending Positioned for Market Leadership
In a move that strengthens its position as a top-tier commercial lender, ORDE has increased the maximum loan size for its Commercial Loans to $3 million, while also lifting the maximum LVR to 80% for properties in certain Sydney, Melbourne and Brisbane postcodes. These changes are also applicable to its SMSF Commercial product.
Further enhancements to its Commercial range include:
- Interest rate reduction of 25 basis points for Alt Doc Commercial loans at the ≤75% LVR tier
- Interest rate reduction of 20 basis points for SMSF Commercial loans at the ≤75% LVR tier
- Application fee waiver on all SMSF Residential loans
- Application fee waiver on Commercial loans with an LVR below 65%
These updates reaffirm ORDE’s commitment to evolving its product suite in line with broker and borrower needs, while maintaining its focus on flexibility, service and market responsiveness.
“These changes reflect our commitment to continuously broadening our product offer to give brokers and borrowers the flexibility and value they need to seize emerging opportunities,” said Ryan Harkness, Managing Director at ORDE Financial. “By enhancing both our Residential and Commercial products, we’re making it easier for brokers to support their clients with higher borrowing capacity and more competitive commercial solutions — particularly as investor interest begins to shift back into the market.”
For more information, brokers can see the ORDE Broker Product Guide online or contact their ORDE Business Development Manager.
[1] https://www.globalpropertyguide.com/pacific/australia/price-history
[2] https://kpmg.com/au/en/home/insights/2024/06/residential-property-market-outlook.html
[3] https://www.reuters.com/markets/aussie-home-prices-rise-only-modestly-this-year-affordability-bites-2025-02-27/
[4] https://www.9news.com.au/national/all-the-big-four-banks-now-predict-a-rate-cut-in-may/1fd6e5c0-03be-4a20-a4e5-148f785be901
Posted on May 7, 2025
