Jumbo Capital

Jumbo Capital is a nationwide non-bank direct lender and mortgage originator that provides short-term private lending secured against residential, commercial, and vacant land. The business operates with 31+ years of non-bank lending experience and has settled over $446 million in loan volume between 2020 and 2025. It targets small and medium-sized Australian businesses requiring flexible funding solutions for purchases, refinancing, equity release, construction, and bridging.

For residential security, loans can reach up to $20 million with LVRs up to 80% on first mortgages and 75% on second mortgages. Commercial and industrial security allows loans up to $20 million with LVRs up to 75% for both first and second mortgages. Vacant land security is capped at $10 million, with LVRs up to 70% available for first and second mortgages.

The company states it can settle loans in 24 to 48 business hours. They claim to assess applications at exceptional speed by utilizing warehouse funding and HNWI backing, avoiding delays from investor-matched funding reliance. Funding is often available in under a week for eligible borrowers.

Services include purchasing residential, commercial, or vacant land; refinancing existing mortgages to access additional funds; releasing equity from property; and funding new or ongoing construction and subdivision projects. Additional options include bridging finance for time-sensitive transactions and property-secured lines of credit where funds can be drawn down and repaid without reapplying.

The business explicitly states that all loans are strictly for Company (Pty Ltd) borrowers. They do not offer consumer home loans. The lending solutions are designed specifically for small and medium-sized Australian businesses needing tailored short-term business loans secured against Australian property and land.

The Director, Rob Kirk, is supported by an internal credit team located in Sydney. The company maintains a physical office on the Sunshine Coast and operates virtual offices in Brisbane, Sydney, and Melbourne. This structure supports their nationwide non-bank direct lending operations.

They offer higher loan amounts and higher LVRs than traditional banks or other private lenders. Unlike traditional lenders bound by rigid criteria, they provide multiple pathways to assess income serviceability and take a commercially minded client-first approach. They also offer flexible short-term financing for business borrowers with eligible property security.

The core loan products include first mortgages, second mortgages, vacant land, bridging loans, equity release, and purchases. The stated progress targets are 15% for first mortgages, 20% for second mortgages, 10% for vacant land, 15% for bridging loans, 15% for equity release, and 10% for purchases.

The company states they provide competitive rates and fees, including cash fee rebates. They specifically mention there are no break fees for their core loan products. Additionally, they note that no accountant's letter or prepaid interest is required to get funded.

Borrowers can call the business at 07 3495 1882 to initiate contact. The process involves collaborating with a network of trusted professionals such as brokers, accountants, solicitors, and property agents to deliver tailored lending solutions. Applications are evaluated on their own merits to structure deals with flexibility and creativity.

The business notes that they are not licensed by ASIC to arrange or discuss regulated home loans. Despite this, they operate as a nationwide non-bank direct lender and mortgage originator. This distinction helps clarify their role in the lending ecosystem for brokers and clients.

The business is headquartered at 2/290 Boundary Street, Spring Hill, Queensland, 4000. They serve as a nationwide non-bank direct lender across Australia, with virtual offices in Brisbane, Sydney, and Melbourne, and a physical office on the Sunshine Coast.

You can reach Jumbo Capital by phone at 07 3495 1882.

The official website of Jumbo Capital is jumbocapital.com.au.

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