Private 1st Mortgage Loans up to $30m.

Flexible No Doc Private 1st Mortgage Loans, with Funding Possible in 7 days.

If you have a little more time, our No-Doc Business Loans are the fast and cost-effective solution.

You can take Equity Tap Private 1st Mortgage loans from 1 month to 3 years.

Simple Online Process

It's quick, easy and secure. All designed to make your life easier.

2-minute application
Same day conditional approval
Funding in as little as 7 days
Minimal Documentation Required
Option of NO PAYMENTS for 2 years
Average Credit Scores Ok

When would I need Equity Tap?

When you have an unexpected business opportunity & you need funds to seize the day.

When you need to settle on a property right away, but your bank finance has fallen through.

When you're selling real estate, but you urgently need the proceeds of the sale right NOW.

When your Bank approval is taking too long, and you need the funds within a week!

See if you're eligible

Are you eligible?

All loans must be for Business or Business Investment Purposes
Have sufficient equity in real estate security
Have a registered company
Be an Australian Citizen or Permanent resident over the age of 18
Be borrowing against a property in Australia
Have a government ID, such as a passport or drivers license

What are the eligibility requirements?

Have sufficient equity in real estate
Have a company or ABN
Be an Australian Citizen or Permanent resident over the age of 18
Be borrowing against a property in Australia or New Zealand
Have a government ID, such as a passport or drivers licence

What are the postcode requirements?

We lend in all major cities and some regional cities across Australia. Call us to check if your postcode eligibility.

What documents do Business Owners need?

A rates notice for each property
Photo ID for each person on title
A Contract of Sale if the loan is for a property purchase
See SUPPORTING DOCUMENTS CHECKLIST below

What if the security property is owned by a Trust?

A certified copy of the Trust Deed

What documents do Property Buyers need?

A copy of the Contract of Sale
Evidence of paid deposit
Evidence of remaining funds to complete purchase
If residential, property must be purchased in a company name

Equity Tap Loan fees

Interest Rate

From a low 8.99%pa
Easy Monthly Interest-Only payments for the term of the loan

Set Up Fee

Application Fee: NIL
An upfront Assessment Fee: $2950 (payable upon accepting our Conditional Approval)
Valuation Fee: at market rates (paid during Due Diligence assessment)
Legal costs: Approximately $2900 plus disbursements (this can be netted off the loan proceeds at settlement)

Valuation Fees

TBA as it depends of the type, size and location of the property, however the valuation fee is at normal market rates and it is at cost price to you.

Government & Settlement fees

All included in the legal fees.

Complete our online application to find out what fees may apply to your unique scenario.

Don’t worry – it doesn’t cost anything to apply, and we do not do a credit check on application.

Equity Tap Private 1st Mortgage Loan Process

Apply Online here
The Equity Tap team will quickly call to discuss your needs, and the type and location of your security property. Together we will complete a full application form, which takes about 5 minutes.
Once that is completed, you will be required to send through all the necessary supporting documents. (see Supporting Document Checklist below)
We will then issue a Term Sheet which steps out the terms of the loan, the interest rate, and all costs. If acceptable, we require you to digitally sign and electronically pay the Assessment Fee.
Once all the relevant checks are done, we will instruct for a Formal Valuation. (At this stage you will be required to pay the Valuation Fee, before we order the Valuation)
As soon as the valuation is done and the valuation report has been sent to us by the valuer, our credit team will assess.
Once our Credit Team has signed off on funding for your loan, we will issue a Final Approval to you, and have a quick Zoom call with you to confirm you are happy with everything and you are ready to move to the final stage.
We will then instruct our lawyers to prepare the legal documents. They will be emailed directly to your lawyer.
All signatories to the loan then need to get independent legal advice and have their ID certified by their own lawyer/s.
Once our lawyers have the fully executed legal documents back and all conditions met, the loan is funded.

Supporting Document Checklist

Application Stage

Signed Letter of Offer
100 points valid ID (Note: If passport is not AU, provide visa to confirm Permanent Residency status)
Completed and Digitally Signed Application Form*
If Investment property, provide executed lease agreement or rental ledger
Rates Notice or Contract of Sale
Trust deed (if applicable)

Please provide additional supporting documents based on the following loan purpose:

Loan Purpose

Purchase

Loan Purpose

Buyer and Vendor executed full Contract of Sale (COS)
Evidence of deposit paid
Most recent 6 months loan statement
Or Good Conduct Letter from 1st Mortgagee
If purpose is for business working capital, provide most recent 3 months trading business bank account statement with active transaction history
If purpose is to pay business debt, provide evidence of debt (e.g. invoice, agreement, etc.)

Mortgage Document Stage

Our team are here to help.

Weekdays 9.00am – 5.30pm AEDT

1300 123 024

Simply APPLY ONLINE and we will immediately commence work on your loan.