First Mortgage Finance
Flexible business funding secured by a first mortgage over property.
First mortgage finance provides funding secured by a first-ranking registered mortgage over real property. It may support acquisitions, refinancing, working capital and eligible business or investment purposes.
Loan terms & interest structure
CTRL Lending considers first mortgage facilities with terms of up to 60 months. Preferred terms are generally 6–18 months, although longer facilities may be considered based on the security, funding purpose and exit strategy. Interest is generally payable monthly or may be capitalised, subject to assessment.
Up to 70% LVR
Common funding applications
- Property acquisitions
- Business working capital
- Refinancing and equity release
What to include
Property, funding amount, business purpose, existing debt and exit strategy.
Available to eligible business entities and trusts for business or investment purposes across Australia. All finance is subject to individual assessment, documentation and approval.
Second Mortgage Finance
Additional business funding behind an existing first mortgage.
Second mortgage finance provides a further property-secured funding layer while the first mortgage remains in place. Assessment considers the senior loan, the property, total debt, funding purpose and proposed exit.
Loan terms & interest structure
Facility term and interest structure depend on the senior loan position, property security, borrower circumstances and repayment strategy. Interest may be payable monthly or capitalised, subject to assessment and approval.
Combined LVR assessed case by case
Common funding applications
- Business working capital
- Property acquisitions
- Refinancing and equity release
What to include
Property details, senior lender and loan position, funding amount, business purpose and exit strategy.
Available to eligible business entities and trusts for business or investment purposes across Australia. All finance is subject to individual assessment, documentation and approval.
Construction Finance
Property development funding structured around your project.
Construction finance supports eligible residential, commercial and mixed-use projects. Funding is assessed against project feasibility, approvals, budget, security and proposed exit.
Loan terms & interest structure
CTRL Lending considers construction facilities with terms of up to 36 months. Preferred terms are generally 12–24 months, depending on the project programme and repayment strategy. Interest may be payable monthly or capitalised. A line fee applies, with fees determined for each transaction.
Up to 70% GRV
Common funding applications
- Residential development
- Commercial and mixed-use projects
- Project completion
What to include
Development details, approvals, budget, timeline, funding amount and exit strategy.
Available to eligible business entities and trusts for business or investment purposes across Australia. All finance is subject to individual assessment, documentation and approval.
Residual Stock Finance
Funding against completed property stock while sales progress.
Residual stock finance can support completed developments with properties remaining to be sold. Assessment considers the completed asset, current stock schedule, sales programme, existing debt and intended repayment path.
Loan terms & interest structure
Facility term and interest structure are considered against remaining stock, settlement timing, sale strategy and existing finance. Interest may be payable monthly or capitalised, subject to assessment and approval.
Remaining stock assessed case by case
Common funding applications
- Refinancing completed development debt
- Funding during a staged sell-down
- Supporting sales and settlements
What to include
Completion status, current stock schedule, sales and settlement position, existing debt, funding amount and exit strategy.
Available to eligible business entities and trusts for business or investment purposes across Australia. All finance is subject to individual assessment, documentation and approval.
Mezzanine Finance
Additional capital to bridge complex property funding requirements.
Mezzanine finance provides supplementary capital alongside senior debt and borrower equity for eligible property acquisitions or developments. Assessment considers the full capital structure, security and repayment strategy.
Loan terms & interest structure
CTRL Lending considers mezzanine facilities with terms of up to 18 months. Facility duration is assessed against the senior funding arrangements, borrower equity and proposed refinancing or sale. Interest may be payable monthly or capitalised, subject to approval.
Maximum LVR: up to 70%
Common funding applications
- Development funding gaps
- Property acquisitions
- Structured capital requirements
What to include
Project, senior funding, borrower equity, capital required and exit strategy.
Available to eligible business entities and trusts for business or investment purposes across Australia. All finance is subject to individual assessment, documentation and approval.
