Loan products we arrange
Four product lines, all property-secured, all for corporate borrowers with a genuine business purpose. Loans from $100k, LVRs to 75% gross, settlement typically 5–10 business days for clean files.
First Mortgage Loans
Registered first mortgage over residential investment, commercial, industrial, rural or mixed-use property.
MoreSecond Mortgage Loans
Sit behind a major-bank or other priority lender. Raise capital without disturbing an existing first.
MoreConstruction Finance (No Presales)
Funding for residential and mixed-use construction where presale cover isn’t available or commercially desirable.
MoreRenovation & Flip Finance
Short-term capital for corporate borrowers buying, renovating and reselling property.
MoreWhich one is right for the deal?
- Buying, refinancing or bridging against property the entity owns or is acquiring — a first mortgage.
- Raising capital without disturbing a first mortgage you want to keep — a second mortgage behind the existing lender.
- Funding a build the bank won't touch without presales — construction finance without presales.
- Buying, renovating and reselling as a business — renovation & flip finance.
What every product has in common
- The borrower is a Pty Ltd company, corporate trustee or partnership — never an individual.
- Security is a registered first or second mortgage over Australian real property.
- The purpose is business or investment, confirmed by a signed Business Purpose Declaration.
- Pricing is set by the panel lender or private investor on each deal and disclosed in indicative terms — we don't publish rates. See what fees to expect.
- Worked examples of each structure are on the sample deals page.
Important — Business Purpose Lending Only
IMPORTANT — BUSINESS PURPOSE LENDING ONLY. Andorra Capital Solutions Pty Ltd (ACN 675 464 623 / ABN 32 675 464 623) is a commercial finance broker and introducer. We arrange property-secured business-purpose loans between Australian corporate borrowers and a panel of non-bank lenders and private investors. We do not provide credit ourselves. We do not arrange consumer credit and we do not arrange credit regulated by the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) or the National Credit Code. We are not an Australian Credit Licensee. Every loan arranged through us is either to a borrower that is not a natural person (outside the National Credit Code under section 5(1)) or for purposes that are wholly or predominantly business or investment purposes (outside under section 6(1)), or both. All borrowers are required to execute a Business Purpose Declaration and to evidence the true business purpose of the funds. No part of any loan arranged through us may be applied for personal, domestic or household purposes. If a borrower applies any part of the funds for a purpose to which the NCCP Act would apply, the borrower does so in breach of the loan agreement and indemnifies the lender against any resulting loss, claim or cost. The information on this website is general in nature, does not constitute financial, legal or taxation advice, and does not take into account your objectives, financial situation or needs. No interest rates, fees or other commercial terms are advertised on this website; pricing is determined by the relevant panel lender or private investor and is disclosed to the borrower as part of indicative terms. All loans are subject to credit assessment, satisfactory security, valuation, and execution of formal loan documentation by the relevant lender. For consumer credit (regulated under the NCCP Act), contact a licensed credit provider.