A Non-Bank Lender You Can Rely On

RELI Capital provides first mortgage funding solutions for borrowers who have come up against rigid credit policies, lack of flexibility and slow turnaround times with mainstream lenders. In our view, one size does not fit all.

Our business has been in operation for 45 years and during that time has established itself as a reputable and reliable lender. You get to deal directly with the credit decision makers and with our easy and straightforward application process, you can avoid jumping through hoops to get a loan approved.

We understand that not all borrower situations conform to traditional lending criteria which is why we assess each loan application on its merits. And because of our smaller size we can act quickly to help you seize opportunities and deliver outcomes that meet your needs.

On top of all that, you will find that our rates and fees are extremely competitive.

We are committed to providing our borrowers with fast flexible funding, competitive pricing and personal service – to help generate your wealth.

What RELI Capital Offers

We offer short term loans secured by first mortgages over residential, commercial, rural lifestyle and vacant land property.

Business Loans

Property Purchase / Refinance / Cash Out / Working capital / Debt Consolidation.

Developer Loans

Site Acquisition / Residual Stock / Refinance / Near Completion Construction.

Bridging Loans

Business and Consumer / Sold or Yet to Sell / Residential and Commercial Security.

Features & Benefits

Loan To Value Ratios Up To 65%

Interest Only Payments

3-18 Month Loan Terms

Right To Repay Early Without Break Fees

Fast Turnaround Times

Simple & Streamlined Process

Deal Directly With The Credit Decision Maker

Want to Submit Your Loan Enquiry?

Or call our Chief Lending Officer on 0417 592 531 to discuss your funding needs.

FAQs

What are the interest rates and fees?

RELI Capital offers very competitive interest rates and fees in the private lending market. If you would like us to provide indicative terms for your loan scenario please call us.

How much can I borrow?

Typically RELI Capital considers loans in the range of $250,000 – $5,000,000, subject to the security property type and maximum loan to value ratios.

What properties do you accept as security?

Residential, commercial, rural lifestyle and vacant land.

What type of borrowers do you lend to?

Individuals, companies or trusts borrowing for business purposes or for personal bridging loan purposes that meet certain criteria. Our borrowers commonly include sophisticated individuals, self-employed business owners, property developers, and special purpose corporate entities. Borrowers must have good quality real estate security, the ability to meet their loan obligations and a sound exit strategy to repay the loan at or prior to maturity.

Do you need to value the security property?

Yes, in most cases we will require an independent valuation report from one of our panel valuers. In certain circumstances we may be able to consider lending against a Council Rates valuation for a residential security property with a low LVR.

How quickly can you settle?

In as little as 7 working days.

What locations do you lend to?

Victoria, Sydney, Brisbane, Adelaide and Canberra.

Target Market Determinations

Under our Australian Credit Licence that is regulated by the Australian Securities and Investment Commission (ASIC) we are required to display our Target Market Determination (TMD) for consumer loans that are regulated by the National Consumer Credit Code (not commercial loans).

The TMD outlines the target market that RELI Capital’s consumer loans are designed for after considering several key consumer attributes and forms part of RELI Capital’s design and distribution obligations.

For more information and documentation, visit our resource page.

I have known and been a RELI Capital borrower client for over 5 years. In that period of time as a property developer, I have borrowed from RELI Capital for a number properties as part residual development stock as well as investment properties. I have found RELI Capital responsive and very easy to deal with. More importantly I found RELI Capital's managers very knowledgeable and were able to complete loan transaction within weeks. I have no hesitation of using RELI Capital's services in my future loan transactions.

RELI Capital has been a pleasure to deal with throughout many transactions, communication is always simple, straightforward and honest. A capital provider is crucial in every deal, RELI Capital provides a service that takes the friction and uncertainty out of these crucial elements. I am proud to recommend RELI Capital to any borrower as they have provided my team countless value.

Dealing with this company to source finance was a pleasure. The timely, informative and professional way in which they approached each step was reassuring and provided me with the confidence I needed. Although governed by certain rules and regulations common to the finance industry, they were able to give a degree of flexibility at times, which was so necessary for my personal circumstances and to achieve my financial goals. I would definitely recommend them and, use them again myself should the need arise.