ACCESS MORE OF YOUR PROPERTY VALUE

The loan-to-value ratio (LVR) compares the total debt secured against a property with its assessed value. High LVR lending allows eligible borrowers to access a greater proportion of that value, subject to the available security, existing debt and overall strength of the transaction.

This may suit borrowers requiring additional capital for a property purchase, settlement shortfall, bridging finance, refinancing, equity release or other genuine business or investment purposes. It may also provide an alternative where traditional lenders are unable to offer the required level of funding.

You can also explore our broader range of commercial property finance solutions for transactions requiring flexible, property-backed funding.

GREATER LEVERAGE FOR COMMERCIAL PLANS

High LVR business loans can help business owners access additional capital from eligible property to support expansion, working capital, tax obligations or time-sensitive opportunities. They can also assist investors and commercial buyers seeking greater borrowing capacity for property acquisitions, settlements or other genuine business purposes.

We assess residential, commercial and other eligible real estate based on its location, marketability, ownership and existing secured debt. Where appropriate, we may consider a high LVR stretch subject to the available security, loan purpose and proposed exit strategy.

Pronto Funds

LOAN SPECIFICATIONS

Loan Feature

Details

Loan Amount

$200,000 to $10 million

Loan Term

1 to 12 months

Maximum LVR

Up to 85%

Security

Residential, commercial or other eligible real estate

Loan Position

First or second mortgage

Indicative Decision

Within 24 hours

Settlement

Ability to settle within 48 hours

Rates

From 1.2% per month

Note: Pronto Funds does not provide home loans or personal loans. Funding must be used for an approved business or investment purpose.

HOW OUR COMMERCIAL PROPERTY FINANCE WORKS

We assess each application based on the loan purpose, available security, requested amount and proposed exit strategy. As a direct lender using our own capital, we can make decisions quickly, communicate clearly and provide funding solutions that align with your business requirements.

HIGHER LVR. STRAIGHTFORWARD PROCESS

As a direct private lender, we assess each application individually and explain the loan terms, costs and requirements upfront. You’ll understand what’s required before settlement, with clear communication throughout the process.

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f.a.q.

Frequently Asking Questions

What is considered a high LVR loan in Australia?
A high LVR loan lets you borrow a larger percentage of a property’s value than many traditional lenders will accept. The loan-to-value ratio measures the total debt secured against the property as a percentage of its assessed value.
Does a higher LVR mean a higher interest rate?
In some cases, yes. Higher LVR loans may involve greater exposure, which can result in higher interest rates. However, every application is assessed on its individual merits, taking into account the available security, loan purpose and overall strength of the transaction.
Can I access funds above 80% LVR?
Yes. Pronto Funds may consider high LVR lending above 80%, subject to the available security and overall strength of the transaction. The maximum LVR available will depend on factors such as the property type, location, existing debt and proposed exit strategy.
What factors are considered when assessing a high LVR loan?
We consider the security property, proposed exit strategy, loan purpose, and overall strength of the application.