Lending
Property-backed lending from group-controlled capital.
- Loan size
- $100k to $50m+
- Term
- 3 to 60 months
- Indicative response
- Within 24 hours
Security
Lending against established property.
First and second mortgages, Australia-wide, secured by completed property.
Residential
Houses, townhouses and units.
Commercial
Office, retail and other established commercial premises.
Industrial
Warehouses and established industrial property.
Scenarios
Where private credit is the right fit.
- Bridging
- Funding a purchase before an existing property is sold.
- Refinance
- Refinancing existing facilities secured by established property.
- Time-sensitive settlements
- Purchases and settlements that need to proceed on a fixed date.
- Business purposes
- Working capital, business expansion, equipment, debt consolidation and equity release for business purposes.
Scope
What we do not finance.
- N1 does not provide construction finance. We lend against completed, established property only.
- All lending is subject to assessment, credit approval and the group's lending criteria.
Credit and licensing
Borrower protections and disclosures.
Credit assistance and lending are provided under Australian credit licences held within the group. The policies below set out how those obligations are met.
Best Interest Duty Policy
How N1 acts in the best interests of clients when providing credit assistance and loan recommendations.
Read policyDesign and Distribution Obligation Policy
How credit products covered by the DDO regime are designed, distributed and reported.
Read policyDispute Resolution Procedure
How to raise a complaint and the external dispute resolution options available.
Read policyHome loans and other credit services are provided by Credit Representatives of N1 Loans Pty Ltd ABN 36 142 259 854, Australian Credit Licence Number 473016 and Zillion Finance Pty Ltd ABN 99 114 847 291, Australian Credit Licence Number 389330.