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          Product Guide

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            We're not a bank.

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

            Get Started

            Flexible 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.

            Available loan features*

            • Flexible income assessment
            • All security types considered
            • No upfront fees
            • Capitalised Interest
            • Unlimited Cash Out
            • Specialised securities considered
            • Major Credit Impairment Considered
            • Brokerage up to 3.5%
            • Settle in 48 hours from Formal Approval being signed
            • Interest rates from 6.99% per p.a
            • Residual Stock – Individual Values
            • Second Mortgages
            • SMSF Borrowers
            • Non-Resident Borrowers
            • Loan amounts up to $10M*

              Submit your scenario and we’ll get back
              to you on the same day

              Security Type

              Why Choose Oak?

              WE’RE TRANSPARENT

              No hidden fees or charges, no confus- ing double-speak. With us you’ll always know where you stand because we’ve got nothing to hide.

              WE’RE HELPFUL

              Our lending is simple, flexible and fast. We can settle loans in as little as 48 hours and your dedicated BDM will guide you through the process.

              WE’RE 100% AUSTRALIAN

              With Oak you’ll always talk to a real, locally based specialist. They’re there to help you when you need them. No overseas call centres, and with a dedicated BDM, you’ll always speak to the same person.

              *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 are be available on all loans or products. Terms and conditions apply for 48 hours settlement, not available on all product types. For full terms and conditions read the Oak Capital product guide and speak to your dedicated BDM.