At Cornerstone Finance, we apply sound business judgement and financial expertise to assess your lending requirements, offering competitive rates and flexible terms without unnecessary hurdles.
- Our Lending Advantages
We make the process straightforward by offering competitive interest rates, flexible repayment options, and tailored terms, so you can stay focused on delivering your project.
There's no need to waste time or money navigating overly restrictive conditions. We apply sound business judgement and financial expertise to assess the merits of your lending requirements.
Our interest rates reflect the level of risk and the loan term. We offer flexible repayment structures tailored to your circumstances, with rates starting from as low as 8.95%.
- Keep it Simple
Loan Size
Maximum Term: (extensions available)
Maximum LVR
In most cases, we do not require:
- Pre-sale targets
- Valuations
- Progress valuations or QS reports
- Fixed-price contracts
- Full financial disclosure
- Rigid servicing criteria
Our Lending Products
Development / Construction Loans
We fund a wide range of projects---from standalone dwellings and terraced housing to apartment blocks and commercial developments.
Bridging Finance
We offer fast, open-term bridging loans at competitive rates, ideal for securing a new property before selling an existing one. Capitalised interest is available to eliminate immediate servicing obligations.
Equity Release
Unlock the equity in your completed property to invest in new opportunities. Whether you need capital to grow your business or fund a purchase, Cornerstone Finance can help structure the right solution.
We provide bridging finance for:
- Residential property (including high-value homes) and land - Commercial property (offices, industrial, retail) and land
Rates & Fees
Our interest rates reflect the level of risk and the loan term. We offer flexible repayment structures tailored to your circumstances, with rates starting from as low as 8.95%.
The only standard fee is an application fee, generally between 2.25% and 3% (plus brokerage). Unlike many lenders, we do not charge hidden fees.
You'll benefit from:
- No minimum lending fees
- No early repayment fee (with 30 days' notice)
- No site visit fees
- No administration fees
Legal Costs
Legal fees are quoted upfront in your Letter of Offer. For a typical loan secured against a single residential property, the legal cost is $2,000 including GST and disbursements.
Insurance
It is a condition of lending that adequate insurance coverage is in place. The type of insurance depends on your loan: - For standard investment loans: replacement cost insurance is required - For developers/builders: coverage may include contract works, civil liability, and statutory liability insurance
How It Works
Submit Application
Provide your business profile, financial statements, and funding needs.
Risk & Security Assessment
Our credit team will assess your eligibility based on income, property security, and repayment ability.
Tailored Loan Proposal
We’ll design a loan package to fit your funding amount, duration, and repayment schedule.
Legal & Contract Signing
All terms are documented in a legally binding agreement reviewed by your legal team and ours.
Disbursement
Funds are disbursed quickly, with some approvals completed within 48 hours.
Flexible Repayment
We offer flexible repayment plans, early repayment options, and ongoing support.
Frequently Asked Questions
How do I apply for a business loan?
You can apply through our online form or contact our team directly. We’ll review your financials, security (if any), and business potential to tailor a lending solution that meets your needs.
Can you help with bridging loans or short-term financing?
Yes. We provide customized lending solutions, including bridging loans, development finance, and property-backed short-term credit.
We are here to address any questions you may have as you implement your plan. Additionally, for clients seeking an ongoing partnership, we provide comprehensive Tax & Estate planning.
