SunCap Mortgages

SunCap Mortgages offers solutions for those looking to unlock equity, refinance, or purchase a commercial or investment property. Whether you’re self-employed, running a business, or managing an SMSF, we provide longer-term certainty with our mortgages.

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Learn more

CALL US

Loan Size:

$5m max ($2.5m per security)

Max LVR:

70% Low Doc | 80% Full Doc/SMSF

Lowest Rate:

6.25%

Term range:

30 Years

We understand that time is of the essence when you’re making financial decisions for your business, which is why we give out same-day indicative offers and speedy credit due diligence. This ensures you get the financial assistance you need when you need it.

With SunCap Mortgages, you can diversify your assets by buying or refinancing residential or commercial properties. We offer loans up to $5 million, and you can choose from various options that suit your needs. We provide both low-doc and full-doc income verification, and you can take advantage of up to five years of interest-only payments at competitive market rates.

Our mission is to provide flexible solutions that meet your specific requirements, and we achieve this by walking you through every step of the way. SunCap Mortgages is here to help you get the best outcomes possible when it comes to your mortgage needs.

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Please fill out the form below to request a call back.

We are proud to have assisted hundreds of people like you with the finance they need to move forward

If you need finance and fast please contact us today.

Frequently Asked Questions

What is a non-bank mortgage lender?

A non-bank mortgage lender is a financial institution that provides mortgage loans to borrowers without being a chartered bank. These lenders may include private mortgage lenders, credit unions, and independent mortgage companies. The main difference between a non-bank mortgage lender and a traditional bank is that non-bank lenders do not accept customer deposits. Instead, they rely on alternative funding sources, such as institutional investors or wholesale markets. By opting for a non-bank lender, borrowers may receive more personalised service, faster application processing times, and potentially lower interest rates. Non-bank lenders have become increasingly popular in recent years, particularly among those who struggle to secure financing through traditional banking channels.

What are the benefits of using a non-bank mortgage lender?

Using a non-bank mortgage lender has many benefits. For starters, non-bank lenders typically have more flexible lending criteria compared to big banks, as they are not bound by the same regulatory frameworks. Additionally, non-bank lenders offer a more personal approach to lending, with more tailored solutions suited to your unique circumstances. They also tend to have quicker approval times and may offer more innovative loan products, giving borrowers more options to choose from. Another benefit is that non-bank lenders are often more willing to work with borrowers who have less-than-perfect credit scores, which can be crucial for those who were turned down by traditional lenders. In conclusion, using a non-bank mortgage lender provides a range of benefits and flexibility that may not be found with traditional bank loans.

How can I find the best non-bank mortgage lender for me?

When looking for the best non-bank mortgage lender, it’s important to do your research and compare options. Start by researching online and reading customer reviews to get an idea of each lender’s reputation. Look for a lender that offers competitive rates and terms that align with your financial goals. Consider factors such as customer service, ease of the application process, and the lender’s overall financial stability. It’s also important to ask questions and communicate clearly with the lender throughout the process. By putting in the time and effort to find the right non-bank mortgage lender for you, you can feel confident in your decision and secure your dream home.

How do I compare different non-bank mortgage lenders?

When comparing different non-bank mortgage lenders, there are several factors you need to consider. Firstly, you should evaluate the interest rates that each lender offers. Compare these rates with those of other lenders to determine which one offers the best deal. Secondly, you should look at the fees charged by each lender, including application fees, processing fees, and closing fees. Compare the total cost of these fees to find which lender offers the most affordable option. Finally, make sure to read customer reviews and check the lender’s reputation to ensure that you are working with a trustworthy and reliable company. By carefully analyzing these factors, you can make an informed decision when choosing a non-bank mortgage lender.

What are the eligibility requirements for a non-bank mortgage?

Before applying for a non-bank mortgage, it’s important to understand the eligibility requirements. Unlike traditional bank mortgages, non-bank lenders have different criteria when it comes to approving a mortgage application. Eligibility requirements can vary between lenders, but typically involve factors such as credit score, income, employment status, and debt-to-income ratio. Non-bank lenders may also consider other factors, such as the value of the property and the amount of the down payment. It’s essential to research the eligibility requirements of different non-bank lenders to find the best fit for your financial situation. Working with a professional mortgage broker can also be helpful in navigating the process and finding the right lender for you.

How much can I borrow from a non-bank mortgage lender?

When it comes to borrowing from a non-bank mortgage lender, the amount you can borrow will vary from lender to lender. It ultimately depends on a variety of factors such as your creditworthiness, income, and employment history. It’s important to consider the interest rates and terms associated with the loans offered by these lenders. Working with a professional mortgage broker can help you navigate the process and find a lender that can provide you with a mortgage that meets your specific needs while offering you favorable terms. With so many non-bank lenders available, it’s important to do your research and compare your options before making a decision.

How do I apply for a non-bank mortgage?

Obtaining a non-bank mortgage can be a complex process, but with the right approach, it can provide several benefits. To apply for a non-bank mortgage, you will need to start by finding a reputable lender who specialises in these types of loans. Once you’ve identified a suitable lender, you will need to provide them with detailed information about your financial situation, including your income, credit score, and assets. You may also need to provide proof of employment and other documentation, so be sure to prepare these documents in advance. From there, the lender will evaluate your application and determine whether you meet their requirements for a non-bank mortgage. While the process may seem daunting at first, taking the time to research and prepare can help you secure the financing you need to achieve your goals.

What are the repayment terms for a non-bank mortgage?

When it comes to non-bank mortgages, the repayment terms can vary depending on the individual lender and the specific agreement in place. One common repayment term is a fixed interest rate, which means that the interest rate and monthly repayments remain the same throughout the entire duration of the loan. Another option is an adjustable rate, which means that the interest rate can change over time based on market conditions, which can affect the amount of the monthly payments. It is important to carefully review the terms of your mortgage agreement to fully understand your repayment obligations and to ensure that you can meet them in a timely manner.

What are the interest rates for a non-bank mortgage?

Non-bank mortgages have become a popular alternative for those who cannot secure financing from traditional lenders. These loans are offered by private lenders and as such, they have different interest rates than banks. The interest rates vary based on several factors such as credit scores, down payments, and the specific terms of the loan. It is advisable to shop around and compare different non-bank mortgage lenders to get the best interest rates. However, it is important to note that non-bank mortgages can be riskier than traditional loans due to their lack of regulation, so it is important to do your due diligence before making a decision.

Are there any other fees assAre there any risks associated with non-bank mortgages?ociated with construction finance?

There are indeed risks associated with this type of lending. Non-bank lenders are not held to the same regulations and standards as traditional banks, which means they may be more likely to offer loans that are riskier than those offered by banks. Additionally, the interest rates and fees associated with these mortgages may be much higher than those charged by traditional lenders. For these reasons, borrowers considering a non-bank mortgage should be sure to carefully consider the potential risks before assuming this type of loan is the best option for their needs.
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