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          Product Guide

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              Mortgage Fund Product Disclosure Statement

              Please fill out the form below to receive our Mortgage Fund PDS.

                Retail Investor Application Form

                Please fill out the form below to receive our Retail Investor Application Form.

                  Wholesale Fund Information Memorandum

                  Please fill out the form below to receive our Wholesale Fund Information Memorandum.

                    Wholesale Investor Application Form

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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 72 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.
                    CHOOSE YOUR LENDING PACKAGE
                    Residential
                    Commercial
                    *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.

                    Experience
                    Matters

                    GROUP
                    AUM
                    $100M+

                    ORIGINATE
                    PER ANNUM
                    $1BN

                    LOANS
                    APPROVED
                    1000+

                    *Oak’s total AUM refers to both our Retail and Wholesale Mortgage Funds as well as our brokered credit facilities with other financial providers.

                    Download
                    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.