Flexible Loan Solutions for Every Situation
From bridging finance to low-doc mortgages, Edgecap provides tailored lending solutions for unique circumstances and complex financial needs.
First Home Buyers
Together we assist you with choosing the right loan for your circumstances.
Bridging Loans
Cover the gap between buying and selling
- Designed to cover the financial gap when purchasing a property before your existing one is sold.
- Typically secured against your property using existing equity.
- Short-term solution with slightly higher rates than standard loans.
Reverse Mortgages
Unlock the equity in your home for retirement
- Available for Australians 65+ using home, holiday home, or investment property equity.
- Funds can be withdrawn as lump sum, regular payments, or both.
- No repayments required until you leave the property or pass away.
- Legal advice recommended before proceeding.
Location is important
A property in an attractive street in a popular suburb with easy access to transport, shops and schools is always a good investment. Consider the aspect of the property. North facing kitchens and outdoor areas are most popular. Does the property have a nice outlook? Is it appealing from the street? Does it have lots of natural light? Consider whether it will be easy to sell if and when your needs change.
Inspect the property at different times of the day to see how different factors, such as morning sun or peak hour traffic, affect its appeal. You should also think about how the property can grow with your lifestyle. By having a clear objective, these questions will be easier to answer.
Research your area
Ensure you go to many properties open inspections and do your research on the internet before making an offer to ensure you have a good indication on property prices in your desired location. If you find that you cannot afford to buy your dream home in your desired location, consider adjacent suburbs that may be more affordable.
Account for all costs after the purchase
A mortgage is a big commitment, and you may have to make changes to your regular spending practices if you are to meet your repayments with ease. Many first homeowners forget to budget for things they haven’t been used to paying for themselves such as electricity, water and other utilities and items such as insurances. Budget for maintenance and even simple things such as stocking up the fridge and pantry for the first time – many of the things we take for granted when living at home.
Make sure you do not stretch yourself to your limit
You need to fully understand the impact of your regular spending levels on your new budget. Interest rates move constantly, so you will need to allow room in your budget for interest rate increases and other unforeseen additional spending. When interest rates drop, simply maintaining the same repayment is one of the fastest ways of repaying more of your loan and building a buffer if rates rise again.
Consider options suited to your requirements
Think very carefully about the different loan product offerings available and how these relate to you and your spending habits. There are a number of products on the market and it is important that you find a product that best suits your needs. Consider options that may help you reduce the term of your loan faster to avoid the very expensive costs associated with long term debt. This is where our guidance can be invaluable to you.
If you are in trouble, ask for help
We understand that during the term of your loan, circumstances outside of your control can change, eg illness or losing your job, which could affect your ability to make loan repayments. In many cases we can negotiate a proactive solution if we are given the opportunity to work with your lender to ensure your best interests are taken into consideration.
Be careful who you listen to
You will be given ‘expert advice’ from many of your friends and family during this process. Make sure the advice is backed with evidence and feel free to share this feedback with us. Many people who have never even purchased a home or investment property will offer you advice.
Be excited!
Owning your own home is one of the most exciting things that you will experience in your lifetime.
Development, Construction & Renovation Loans
Finance your property development and renovations strategically
- Covers commercial and residential development, major renovations, or construction projects.
- Funds drawn down in stages, not lump sum, aligned with construction progress.
- Designed to maximise returns and provide flexibility beyond traditional development finance.
Deposit Bonds
Guarantee your property deposit without cash upfront
- Insurance-backed guarantee for the vendor that protects the 10% deposit.
- Paid at settlement, allowing flexibility for buyers.
Low-Doc Home Loans
Flexible loans for self-employed or irregular-income borrowers
- Alternative proof of income: accountant letters, BAS, or bank statements.
- Designed for borrowers with at least 2 years of self-employment history.
- Higher interest rates and LVR limits typically up to 80%.
- Lenders focus on stable and growing income rather than strict documentation.
Have question?
Call us today at 0485 837 775 for guidance on any of these specialised loans.