Lending Solutions for Complex Scenarios
Flexible finance structured around your opportunity, backed by experience in designing tailored lending solutions for complex scenarios and a deep understanding of commercial realities.
Legal Services Disclaimer: Summer Lawyers does not provide legal services for loans introduced through Bowral Capital. Borrowers and investors must seek independent legal advice from an unrelated law practice.
When Traditional Lending Doesn't Fit
Not every opportunity suits conventional bank lending. Development projects, bridging finance, and complex commercial scenarios often require a lender who can think strategically and act decisively.
Bowral Capital provides tailored lending solutions for clients and brokers who need more than standard templates. With a background in law and property finance, we assess each opportunity thoroughly, structure terms to suit the transaction, and make decisions efficiently.
You’ll deal directly with senior decision-makers who understand both the technical requirements and the commercial realities of what you’re trying to achieve.
LENDING
Development Finance:
Funding for residential, commercial, or industrial development projects including land acquisition, construction, and project completion.
- Typical LVR: Up to 65% of end value
- Security: First registered mortgage over development property
- Assessment Focus: Project viability, developer experience, presales or take-out strategy
Bridging Finance
Short-term funding to bridge timing gaps between property transactions, facilitate quick settlements, or provide interim capital while arranging longer-term finance.
Typical LVR: Up to 70% of security value
Security: First or second registered mortgage
Assessment Focus: Exit strategy, security quality, borrower capacity
Commercial Property Finance
Lending secured against commercial, industrial, or specialised property assets for acquisition, refinancing, or business purposes.
- Typical LVR: Up to 65% of property value
- Security: First registered mortgage over commercial property
- Assessment Focus: Property quality, income generation, borrower experience
Residential Investment Lending
Finance for property investors acquiring, renovating, or holding residential investment properties when timing or circumstances don’t suit traditional lenders.
- Typical LVR: Up to 70% of property value
- Security: First or second registered mortgage
- Assessment Focus: Property location and condition, exit strategy, borrower equity
How We Assess Lending Applications
Initial Review (24-48 hours)
Submit your loan enquiry with basic details about the opportunity, security, and your requirements. We'll provide initial feedback on feasibility and indicative terms within 1-2 business days.
Formal Assessment (3-5 business days)
If we proceed, you'll provide full documentation (see checklist below). Our assessment examines security quality, loan serviceability, exit strategy, and legal documentation requirements.
Indicative Approval (Subject to Documentation)
Upon satisfactory assessment, we'll provide formal indicative approval outlining loan amount, interest rate, term, fees, and conditions. This allows you to proceed with confidence while final documentation is prepared.
Documentation and Settlement (5-10 business days)
Legal documentation is prepared, reviewed, and executed. Upon mortgage registration and completion of conditions, funds are advanced.
Total Timeline
Most straightforward loans can be approved and settled within 2-3 weeks. More complex scenarios may require additional time for due diligence or specialised valuation.
What We'll Need for Assessment
Your broker can assist with compiling these documents, or contact us directly to discuss your specific requirements.
Borrower Information:
- Loan application form (available on request)
- Identification (Driver’s license or passport)
- Recent financial statements or tax returns (for business borrowers)
- Credit report authorisation
Security Information:
- Property address and legal description
- Recent valuation or comparative market analysis
- Title searches
- Property insurance details
Loan Purpose Documentation:
- For development: Project plans, costings, presales, construction contracts
- For bridging: Contract of sale for property being sold/purchased
- For commercial: Lease agreements, rental income evidence, business plans
- For investment: Purchase contract, renovation quotes if applicable
Additional Requirements (as relevant):
- Quantity surveyor reports for development
- Engineer’s reports if construction involved
- Council approvals and permits
- Evidence of funds for borrower contribution
Security Quality
Location, property type, valuation, marketability, and insurance adequacy.
Loan Serviceability
Your ability to meet interest obligations during the loan term from income, business cash flow, or other sources.
Exit Strategy
Clear, realistic plan for loan repayment at maturity—whether through property sale, refinancing, or other capital sources.
Borrower Experience
Your track record with similar projects or property investments, particularly relevant for development loans.
Legal Structure
Appropriate loan documentation, mortgage security, guarantees if required, and compliance with relevant regulations.
LOAN TERMS AND CONDITIONS
Where a loan is provided to a consumer, Bowral Capital facilitates credit activities as an Approved Representative under Brindabella Credit Pty Ltd’s Australian Credit Licence (ACL 527582). All consumer loans comply with the National Consumer Credit Protection Act 2009 (Cth), including responsible lending obligations and disclosure requirements. Bowral Capital does not independently hold an ACL and does not provide consumer credit services.
Bowral Capital does not hold an Australian Credit Licence and does not independently provide consumer credit services. All regulated loans are originated and managed solely by Brindabella Credit Pty Ltd under the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code.
In such cases, the loan is made by Brindabella Credit Pty Ltd and is subject to responsible lending obligations under the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code.
For non-consumer lending, including loans to companies, trusts, or for investment or business purposes, Bowral Capital acts as a mortgage manager and investment facilitator under its Authorised Representative status with Brindabella Investment Group Pty Ltd (AFSL 510735).
Indicative Lending Parameters
Lending terms are indicative only and subject to formal assessment, valuation, and legal documentation. Bowral Capital reserves the right to vary terms prior to settlement.
Interest Rates: Typically range from 8% to 14% per annum, depending on LVR, security type, loan purpose, and term. Rates are fixed for the loan term.
Loan Terms: Usually 6 to 24 months, with extensions considered on a case-by-case basis subject to continued security and performance.
Fees:
- Establishment fee: 1.5% to 3% of loan amount
- Legal fees: $1,500 to $3,500 (borrower pays own and lender’s legal costs)
- Valuation fees: Actual cost (typically $500 to $2,500 depending on property type)
- Monthly management fee: 0.25% to 0.5% of loan balance
Repayment: Interest typically paid monthly, with principal repaid at loan maturity. Interest-only arrangements are standard.
Early Repayment: Permitted with notice, subject to any prepayment fee outlined in loan terms (typically 1-3 months’ interest if repaid in first 6 months).
All terms are indicative and subject to formal assessment. Specific terms will be detailed in your loan offer.
Discuss Your Borrowing Requirements
Complete this enquiry to begin the conversation about your lending needs. We’ll review your information and respond within 24-48 hours with initial feedback.
Ready to Discuss
Your Scenario?
Speak directly with Paul Reese about your lending requirements and how we can structure a solution.
