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Residential – Low Credit Score & High Density Off the Plan


Our client purchased an off the plan apartment in a high-density area which usually means a lower LVR. Moreover, the customer had a very low credit score. Generally, a lenders capacity to lend to a customer varies on customers credit history and the risk associated with it, location, security type and capability to pay the debt.

As most lenders credit score, the customer was in risk of not securing finance when settlement is due. We provided a solution with a non-bank lender that does not credit score and facilitated the finance at 80% LVR as well as a competitive rate for when construction completes and settlement is due.

Amount:              $840,000

LVR:                       80%

Interest rate:       4.40%