RESIDENTIAL
8.44%
p.a. from
- Up to $20M
- 75% LVR metro / 70% regional
- Up to 60 months
- Low-doc accepted
- Min. credit score 500
Live Rates
Residentialfrom8.44% p.a.·LVR 75%·1hr indicative/Commercialfrom9.75% p.a.·LVR 70%·Same-day terms/ConstructionfromBBSW + 2.25% p.a.·LVR 75%·$10M min/2nd Mortgagefrom14.25% p.a.·LVR 80%·Up to $5M/Residentialfrom8.44% p.a.·LVR 75%·1hr indicative/Commercialfrom9.75% p.a.·LVR 70%·Same-day terms/ConstructionfromBBSW + 2.25% p.a.·LVR 75%·$10M min/2nd Mortgagefrom14.25% p.a.·LVR 80%·Up to $5M/Residentialfrom8.44% p.a.·LVR 75%·1hr indicative/Commercialfrom9.75% p.a.·LVR 70%·Same-day terms/ConstructionfromBBSW + 2.25% p.a.·LVR 75%·$10M min/2nd Mortgagefrom14.25% p.a.·LVR 80%·Up to $5M/
Private credit · For brokers · Australia
Private credit.
For brokers who expect more.
Fast. Fair. Certain.
As brokers, we saw the same problems repeat themselves: poor communication, excessive fees, shifting goalposts, and lenders who couldn't give brokers the certainty their clients needed. So we built the lender we always wanted to deal with.
WHAT WE LEND
Four products. No surprises.
COMMERCIAL
9.75%
p.a. from
- Up to $20M
- 70% LVR metro / 65% regional
- Up to 36 months
- Retail, industrial, mixed-use
- Min. credit score 600
CONSTRUCTION
BBSW + 2.25%
p.a. from
- $10M minimum
- LVR up to 75%
- Property-backed
- Australia-wide
- Fast indicative terms
- Competitive fee structure
- No hidden charges
2ND MORTGAGE
14.25%
p.a. from
- Up to $5M
- 80% LVR residential
- Metro NSW / VIC / QLD only
- IO or pre-paid interest
- Min. credit score 500
01
Fast.
Speed is a product.
We engineered it that way.
Indicative within 1 hour
Submit a complete deal and we'll give you an in-principle view within the hour. Not end of day. Not tomorrow morning. One hour.
Same-day term sheet
Stage 1 approval means a formal term sheet follows the same business day. Your client gets certainty while the deal is still live.
48 Hour Settlements
We know settlements can be urgent. If the deal has all the required documentation, we can settle faster than most.
Our internal deadline is always tighter than your borrower's deadline. Every deal has a clock. We run it faster.
02
Fair.
Top-market rates.
Brokers paid like the best in the game.
0.50% commission — every deal, no exceptions
Paid by Discover Capital at settlement from our Establishment Fee — in addition to any brokerage you charge the borrower.
Terms that don't shift
Indicative rate is the rate. We don't reprice at formal approval. What you sell is what settles.
03
Certain.
A term sheet from us means something.
We back it in writing.
$1,000 Guarantee
If we issue a term sheet and the deal doesn't proceed through no fault of the borrower — we pay you $1,000. No questions asked. No forms. Just paid.
Two exceptions, disclosed upfront
Material valuation shortfall, or an undisclosed credit event surfacing at Stage 2. Disclose early — it protects everyone.
Our standard
"Every settled deal is proof. Every rejected deal is intelligence. We are not being built to be decent. We are being built to be the best."
Submit a deal
Get instant indicative terms. Tell Johnny about your deal.
Johnny is our credit AI. Five questions, real-time market lookup, indicative terms on the spot.
J
Johnny
Discover Capital · Credit AI
Hey, I'm Johnny, Discover Capital's credit AI. Tell me about your deal. Don't stress about getting it perfect, I'll figure out what I need as we go. Start with the address.
Questions brokers ask