Welcome to
Simple Property
Loans
Straight forward, speedy loans for business
Simple Property Loans are simple. They’re a stripped back way of lending for people in business who need funds fast. Finance isn’t always predictable and — when it really matters — getting buried in paperwork just isn’t an option. We aim to assess applications within one working day and provide funds within a week of signed acceptance. That’s how we roll.
We offer access to a deep pool of capital and are backed by Jadig Finance — one of Australia’s most reliable, trusted and family-run lenders.
Learn more about Jadig
Why use us?
Burying you in paperwork is not our thing
We move fast and we don’t overcomplicate. We welcome brokers, developers and business-people to apply online (via the form below). We then reach out to finalise any further details and wrap things up – usually within a matter of hours.
We won’t bombard you with information requests and stacks of paper forms to fill out, in fact, our loan documentation can be signed electronically. We are simple, straightforward and efficient and we do all this because we care about our borrowers and we understand that simple loans need to be just that – simple.
Apply Now ↓Simple, straight forward loans
We know there are several reasons that business-people need simple loans. Reasons vary, but from our perspective they have one thing in common – the need for an easy, straight-forward process. And of course, speed.
We’re here to help.
- Current fixed rate 8.99%
-
Max LVR^
55% - Residential House, Town House
50% - Residential Apartment/Unit, Block
50% - Commercial Property, Land - Higher fixed rate 9.99%
-
Max LVR^
65% - Residential House, Town House
60% - Residential Apartment/Unit, Block
60% - Commercial Property, Land - Loan amount $250,000 to $3 million
- Loan purpose Purchase, refinance, equity release or working capital
- Term 3 — 12 months
- Security First registered (real estate) mortgage over the Security Property, as well as Company and Director guarantees
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Security type
Residential House, Town House,
Residential Apartment/Unit, Block,
Commercial Property, Land - Repayment type Interest only (serviced monthly) or prepaid out of the loan amount
- Borrower type Australian registered companies and trusts with corporate trustees
- Verification required Asset & Liability Statement, accountant’s letter
- Application Fees 1.50% + GST of the loan amount inclusive of 0.5% + GST brokerage (if applicable) (excl. Val & Legal fees)
- Break Fees No minimum terms or break fees, and that means no clawbacks
- Ongoing Fees Nil
All LVRs quoted are based on Inner Metro locations in Melbourne, Sydney and Brisbane. The final proposal will be dependent on the asset location, asset specifics, and the strength of the applicant.
No hidden traps (really!)
We’re not a ‘pay-day’ lender; we’re the opposite. We’re genuine property people, with decades of experience, running a family business across lending, development and philanthropy. Our other business, Jadig Finance, offers complex funding arrangements, helping out developers large and small. So, we get it. We’re real people with a real passion for what we do. For us, integrity and honesty are front of mind.
Learn about our Culture ↓Tell me more...
What other information is required to obtain a loan?
What other information is required to obtain a loan?
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.
What type of loans can we not provide?
What type of loans can we not provide?
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.
I’m looking for a construction loan. Can Simple Property Loans help?
I’m looking for a construction loan. Can Simple Property Loans help?
No. But Jadig Finance can.
Can I apply direct or should I talk to my broker?
Can I apply direct or should I talk to my broker?
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.
What else should I be aware of?
What else should I be aware of?
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 and inclusive of brokerage;
- No trail is offered on our loans.
