OUR LOAN TYPES
Blue Whale Money provides loan solutions for every goal
Product Features
No CCR Required
Up to $3.5M Loan Amount per Security
Individual, Company or Trust Applicants
Unlimited Cashout
Self-declared Existing Loans
Minimum 6 Months ABN & GST Required for SE Applicants
Only 1 Year Income Documents for SE Applicants
Up to 85% LVR
Default can be Accepted
Full Doc
For those with complete financials. Ideal for PAYG earners and self-employed individuals who can provide full income verification.
Alt Doc
Perfect for self-employed without traditional income proof. Flexible options using BAS, bank statements, or an accountant’s letter.
Australian Expatriate
A tailored loan for Aussies living overseas. Invest in Australian property with ease, no matter where you are in the world.
SMSF
Designed for greater control and flexibility over your super savings but also comes with significant responsibilities.
Construction
Ideal for building or renovating. Funds are released in stages to match your construction progress, offering flexibility and support.
Construction
- Available to Full Doc Prime, Alt Doc Prime, Expat and Non-Resident Borrowers
- IO Repayment During Construction
- After Construction, revert to Brighten Empower Prime, Brighten Boss® Prime, Brighten Elevate or Brighten Evergreen Variable Rate
- Full Doc, Alt Doc, Expat: Max. $2,000,000 NonResident: Max. $1,000,000
Vacant Land
Designed for purchasing an undeveloped block of land, giving you the flexibility to plan and build at your own pace.
Commercial
Tailored for businesses investing in commercial property. Competitive rates and flexible options to support your business growth.
Full Doc
For those with complete financials. Ideal for PAYG earners and self-employed individuals who can provide full income verification.
Full Doc - PAYG & Self-Employed
- Only 2 payslips and employment letter required for PAYG applicants
- Notice of Assessment is not compulsory for SE applicants
Alt Doc
Perfect for self-employed without traditional income proof. Flexible options using BAS, bank statements, or an accountant’s letter.
Alt Doc
- 100% Redraw Offset Facility Available
Australian Expatriate
A tailored loan for Aussies living overseas. Invest in Australian property with ease, no matter where you are in the world.
Australian Expatriate
- Australian Citizens, Permanent Residents or Temporary Residents with Income in AUD or an Acceptable Foreign Currency
- Loan Size Up to $3,500,000
- 100% Redraw Offset Facility Included
SMSF
Designed for greater control and flexibility over your super savings but also comes with significant responsibilities.
Non-Resident
- Non-Residents or Residents Borrowers with Non-Australian Sourced Income
- Self-employed Alt Doc Accepted
- Max. Loan Size $2,500,000; Max. LVR 80%
- Cat1 and 2 Postcodes Accepted
- 100% Redraw Offset Facility Included
Construction
Ideal for building or renovating. Funds are released in stages to match your construction progress, offering flexibility and support.
Construction
- Available to Full Doc Prime, Alt Doc Prime, Expat and Non-Resident Borrowers
- IO Repayment During Construction
- After Construction, revert to Brighten Empower Prime, Brighten Boss® Prime, Brighten Elevate or Brighten Evergreen Variable Rate
- Full Doc, Alt Doc, Expat: Max. $2,000,000 NonResident: Max. $1,000,000
Vacant Land
Designed for purchasing an undeveloped block of land, giving you the flexibility to plan and build at your own pace.
Bridging
- Loan Size up to $2,500,000
- Peak Debt: ≤$1,500,000 Max. 80% LVR; ≤$2,500,000 Max. 70%LVR
- Bridging Period 6-12 months; Total loan term up to 30years
- During the Bridging Period, the interest budget will be retained, and no repayment will be required.
Commercial
Tailored for businesses investing in commercial property. Competitive rates and flexible options to support your business growth.
Commercial
- Full Doc, Low Doc and Lease Doc
- High-density apartments can be accepted
- Up to $2m loan amount per security
- Only 2 payslips and employment letter required for PAYG applicants
- Individual, Company or Trust applicants
get in touch
Learn more about our loan types
Have questions about our loan options? We’re here to help!
Reach out to our team for personalised assistance and detailed information on the loan types that best suit your needs. We’re ready to guide you through the process and answer any inquiries you may have.
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