Equity Release. Refinance. Purchase. Construct. Renovate. Subdivide. Bridging. Consolidate. Flip. LOC. Caveats.
Jumbo Capital provides short-term private lending across Australia, with loans secured against residential property, commercial property and vacant land. We offer some of the highest loan amounts and LVRs available through non-bank financing, with loans up to $20 million and funding often available in under a week.
As a direct funder of our core loan products, we provide flexible financing for eligible company borrowers, with competitive rates and fees, cash fee rebates and no break fees. We do not offer consumer home loans.
*Core Loan Products
Property Finance Backed by Experience
Jumbo Capital combines decades of non-bank lending experience with substantial funding capacity and a commercially focused approach to property-backed finance.
Non-bank and private mortgage lending experience
Settled loan volume between 2020 and 2025
Settled borrowers between 2020 and 2025
2026 core funding line
Our edge over other lenders
When traditional banks or other private lenders cannot accommodate your borrowing requirements, Jumbo Capital offers an alternative. We specialise in higher loan amounts, higher LVRs and flexible short-term financing for business borrowers with eligible property security.
Whether you need to maximise available equity, refinance an existing loan or secure funding for a time-sensitive transaction, our lending solutions are designed to accommodate a wide range of commercial circumstances.
Purchasing Properties: Finance residential, commercial or vacant land purchases with higher loan amounts and borrowing options that extend beyond traditional loan limits.
Refinancing Mortgages: Refinance existing or expiring mortgages to access additional funds, maximise available equity or replace an existing loan.
Releasing Equity: Access more of the equity held in your residential property with high LVR private mortgage lending for business and commercial purposes.
Construction & Subdivision: Secure funding for new or ongoing construction and land subdivision projects, or release equity from residential property, commercial property or vacant land.
Bridging: Secure short-term finance to purchase property or land before selling an existing asset, with options to fund the purchase price, associated costs, holding interest and loan fees.
Line of Credit: Access ongoing funds through a property-secured line of credit. Draw down as needed, repay and redraw without reapplying for each transaction. No accountant’s letter or prepaid interest required.
What We Offer
Private Mortgage Lending Solutions
Our financing solutions support property purchases, refinancing, equity release, business funding and other commercial requirements, with higher loan limits and a range of property-backed loan structures.
Private Mortgage Lender
Access short-term property-backed finance through an experienced private mortgage lender offering higher borrowing limits, competitive rates and loan terms of up to 36 months.
First Mortgage Loans
Secure first mortgage finance against eligible residential, commercial or vacant land security, with substantial loan amounts and higher LVRs.
Second Mortgage Loans
Access additional funding using equity in an existing property, without necessarily refinancing your current first mortgage.
Commercial Property Loans
Finance commercial and industrial property purchases, refinancing and equity release with short-term loans secured against eligible commercial real estate.
Bridging Loans
Secure short-term funding to bridge the gap between property transactions, including purchases, settlements and other time-sensitive opportunities.
High LVR Private Mortgage Loans
Maximise your borrowing capacity with high LVR private mortgage loans designed to provide access to a greater proportion of your property’s available equity.
Property Equity Release
Unlock equity in residential or commercial property to fund business investment, working capital, acquisitions and other commercial requirements.
Private Loan Refinance
Refinance existing mortgages, replace expiring loans or restructure property-backed debt with short-term private mortgage finance.
Business Loans Secured by Property
Access business finance secured against eligible property for working capital, business expansion, debt consolidation and other commercial purposes.
SMSF Loans
Explore property-backed lending options for eligible SMSF trustees and corporate structures, subject to lending criteria and applicable requirements.
Vacant Land Loans
Secure short-term finance against eligible vacant land for property purchases, refinancing, equity release and development projects.
Why Choose Jumbo Capital?
Jumbo Capital combines substantial funding capacity, flexible lending criteria and decades of industry experience to help business borrowers access short-term property finance.
Higher Loan Amounts
Access substantial property-backed finance, with residential loans by 1st mortgage up to $20 million.
Higher LVRs
Maximise available funding against eligible residential, commercial and vacant land security.
Fast Funding
Eligible borrowers can often access funds in under a week.
Direct Funding
We directly fund our core loan products.
Competitive Rates & Fees
Short-term lending with no break fees and cash fee rebates for eligible transactions.
Flexible Lending Criteria
We consider a wide range of commercial borrowing scenarios, including complex financial circumstances.
From property purchases and refinancing to equity release for business purposes, our team can review your scenario and discuss the financing options available.
Who we are and what we offer
Jumbo Capital is a non-bank lender and Originator operating across Australia with institutional warehouse funding lines. Our clients are Company Pty Ltd Directors, SMSF Trustees, Accountants, Solicitors, Commercial Loan Brokers and Home Loan Brokers.
The Director of Jumbo Capital Rob Kirk has more than 31 years of experience in property-backed non-bank lending, mortgage origination and mortgage management.
Our loan products include first and second mortgages, lines of credit, bridging finance, caveat loans and specialised property-backed lending solutions. With substantial funding capacity and diverse loan products, we can accommodate a variety of commercial financing requirements.
A straightforward approach to lending (max 36 mths)
Prompt, streamlined financing when you need it fast.
Loan Amounts Available
Residential from $125k up-to $20m. Commercial from $750k up-to $20m.
Flexible Loan Terms
Residential from 3 to 36 months. Commercial from 6 to 36 months.
Acceptable Locations
1st RM’s Australia wide. 2nd RM’s Australia wide.
Fast Approval Times
Typically 3 to 5 working days from application. Faster if you have a valuation.
Credit Reports Personal and Company
No and Low credit scores considered.
Real Estate Backed
Loans available for Commercial, Retail and Industrial security.
Real Estate Backed
Loans suitable for Luxury Homes and all types of Residential Security.
Highest LVR's in Australia by 1st & 2nd mortgage!
Residential up-to 75%*. Commercial up-to 65%*. 2nd’s up to 70%.
Application Process
Application
Contact our team on 1300 859 075 or applications@jumbocapital.com.au to discuss your lending scenario. We’ll review your proposal and, where suitable, provide an indicative quote outlining the proposed terms and required supporting documentation.
Indicative Quote
Once you accept the indicative quote and provide your completed application, identification and supporting documents, we’ll submit your application for credit assessment.
Indicative Approval
Following a favourable assessment, an Indicative Loan Offer will be issued outlining the proposed terms and any outstanding conditions. Where a valuation is required, we’ll provide a quote and arrange the valuation once the necessary documents and payment are received.
Loan Agreement
Once all requirements have been satisfied, including the valuation and any applicable legal fee deposit, our panel lawyers will prepare the loan documentation for your nominated legal representative. Following execution and satisfaction of settlement conditions, funds can be released.
You are a professional
Our loans are available to business clients that are directors and guarantors of Companies and Corporate Trustees, SMSF’s, home loan brokers, financial planners, solicitors, accountants, builders, developers and their clients.
Clients include: property investors, the self-employed, commission based, high net worth individuals with complex finances, expats living abroad, those with credit issues, start-ups and more.
We understand that business borrowers may have complex financial circumstances or requirements that fall outside conventional lending criteria. Our dynamic approach to lending allows us to consider a broad range of property-backed financing scenarios.
Maximum LVR's
Our private mortgage loans offer higher LVRs across a range of eligible property security types, allowing business borrowers to access substantial funding against their property assets.
Maximum LVRs are subject to loan product, security type, location, valuation and lending criteria.
You're in good hands
We’re a team of professionals and have long-term business relationships with legal firms, valuation firms, home loan brokers and referrers.
Director Rob Kirk in 2026 celebrates 31 years in non-bank and private mortgage lending, origination and mortgage management.
Maximum Loan Amounts
With loan amounts of up to $20 million, Jumbo Capital provides substantial borrowing capacity for eligible property-backed transactions.
Contact Us
We'd love to hear from you
We welcome your phone call or email. Prefer to send us your loan scenario, click the Express Enquiry Form button to make a time for a confidential chat:
Office Locations
Brisbane: 2/290 Boundary Street,
Spring Hill QLD 4000
Sydney: 1&2/457-459 Elizabeth Street,
Surry Hills NSW 2010
Melbourne: 329/98-100 Elizabeth Street,
Melbourne VIC 3000
Online message
Complete this section and we’ll respond as soon as we can during business hours