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          Product Guide

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            Fast, flexible lending

            We understand life can throw you some curveballs, and when it does, most lenders don’t have the speed and flexibility to help. But we do.
            Lending Packages

            Specialist Lending Solutions

            Banks and other traditional lenders typically take a cookie-cutter approach to lending, and if you don’t fit within their often narrow lending criteria then you’re on your own. Even if you do fit, it can often take months of hoop-jumping before you actually get approved.

            Credit Impairment & ATO Debts

            Real life happens. Unexpected events, changes in business circumstances or relationships, all of them cost money that can lead to problems with your credit history. It’s why we tailor our lending to your circumstances to help you find a way forward.

            Flexible Income Verification

            The way Australians have worked has really changed over the last 20 years. More people are working for themselves, doing more than one job or working different sorts of hours. Our common-sense approach to income assessment means we can often help when others can’t.

            All Security Types Considered

            Oak has a flexible and risk adjusted tolerance to all real property security types including residential, commercial, industrial, vacant land, incomplete and other specialised securities. We can also combine more than one security type, securing an individual loan with different LVR weightings.

            Need to Settle Quickly

            Oak is geared for quick settlements for urgent transactions. Our seamless lending process allows for ultra-quick settlements on real property transactions in as little as 48 hours*, while our in-house property team means we can lend without the need to wait for a formal valuation.

            All Loans Considered

            Our funding lines gives us a wide credit breadth for real property and our tailored approach to lending means we can take into account all aspects of a credit scenario to find a flexible lending solution that works.

            No Upfront Commitment Fees

            Unlike a lot of our competitors, we don’t insist on upfront fees to be paid by our clients. We’re here to help, and because we value integrity, we’re not going to charge you for services we haven’t provided.
            *These are not our extensive terms and conditions and may not accurately represent loan terms you are eligible for. Restrictions and loadings apply. Not all loan features will be available on all loans or products. For full terms and conditions read the Oak Capital product guide and speak to your dedicated BDM.



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            product guide

            Want to see how we can help? Download our product guide for a comprehensive look at our lending options and criteria.

            We fund both first and second mortgages on an array of real estate, including residential, commercial, industrial and specialist properties Australia-wide.

            Need more info on lending options?

            Talk to our expert team today to find out how our lending options can help you.