BORROWERS

Oak Capital assists clients in finding the right solution to their individual finance needs. We are one of Australia's fastest growing privately owned Mortgage Funds. The Oak Capital team prides itself in having the highest professional standards and an in depth industry knowledge that allows us to "understand the deal".

At Oak Capital we specialise in short term finance, our loan terms are generally 1-12 months and funds must be used predominantly for business or investment purposes.

Every loan application we assess is considered on its merits, poor credit history and loan defaults do not mean you are unable to get finance. We work to understand the loan and our clients circumstances and often find solutions that other lenders miss. Remember, with a short term loan we want to ensure all our clients have a solid plan on how to repay the loan with a suitable exit strategy.

Our loans are designed to assist where traditional lenders are unable to help. Whether you are a borrower wanting to deal with us directly or a Mortgage Broker trying to find a solution for your client, please call us now to discuss.

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WHY USE OAK

  • NO UPFRONT COMMITMENT FEES PAYABLE
  • We are leaders in our industry
  • We consider all loans on a case by case basis
  • We lend Australia wide
  • All approvals are done in house - you can have an answer within hours
  • Settlement can occur quickly, generally within 3-5 business days
  • Funding for both first and second mortgages available
  • Rates from 7.99%* per annum
  • Loans typically from $100,000.00 to $10,000,000.00

  • TYPICAL LOAN SCENARIOS 

  • Need to settle quickly
  • Credit Impaired
  • Cash flow issues
  • Bridging Finance
  • Unpaid Business / ATO Debts
  • Cannot settle on time due to a mainstream lender not being ready
  • Refinancing and Working Capital
  • ​Any worthwhile business/investment use

SECURITY TYPES CONSIDERED 

Oak Capital will consider all real property Australia wide. Whilst our core business is focused on Residential and Commercial properties located in and around capital cities and major regional centres we are open to all scenarios, so call us now to discuss!

Oak Capital can consider other more specialised properties assuming equity is sufficient:

  • Residential Properties
  • Commercial Properties
  • Industrial Properties
  • Rural < 500 Acres
  • Vacant Land
  • Childcare Centres, Pubs, Cafes etc

OAK CAPITAL LOAN PROCESS - Step by step

Step 1: Have a loan scenario

Call 07 5574 2789 to discuss your scenario or email us at loans@oakcapital.com.au. One of our decision makers will contact you within hours and provide you with a quote and no fuss response.

Step 2: Pricing

An Oak Capital team member will provide a loan cost estimate upon request. You can be assured that with Oak Capital the pricing you get will be honored unless the scenario changes.

Step 3: Apply

Complete an Oak Capital application form and provide the information we need to quickly process your loan.

Step 4: Assessment

Now that Oak Capital has a fully completed application, your loan will be assessed by our experienced team. We will generally approve loans within 24 hours subject to valuation.

Step 5: Letter of Offer issued

Now we're in business! Oak Capital's Lending Committee has assessed the loan application and a formal Letter of Offer is issued. Upon receipt of the signed letter of offer Oak Capital will instruct its panel lawyers to prepare mortgage documentation and move toward settlement

Step 6: Mortgage Documents Issued

Our specialist lawyers will prepare and issue full mortgage documentation to the client and their legal representative. Once mortgage documents have been executed and returned and any outstanding conditions have been satisfied our Lawyers will confirm that they are ready to settle.

Step 7: It's Time! Settlement

Oak Capital will book settlement for the next available time with all interested parties. The loan process is then complete and the client has the money available to use as requested.