Secure a short-term property loan now
We adopt a practical approach, prioritising essentials without dwelling on less important detail.
Income is second to property value.
6-Month capitalised interest when necessary.
Fast decision making and funding.
Simple application and minimal paperwork.
Make it happen. Speak with our decision makers
Our clients tell us they value our sensible approach – this is why they use our services over and over again.
What we focus on most
- The desirability and value of your property compared to the amount of funding you need,
- How you will repay the loan at the end of the term.
Of less importance is your sources of income to service the loan. Often, we capitalise interest payments to make it easier on your wallet.
Regional Property Updates to Keep Informed
FAQ's for Property Finance
Questions? Our team is here to help – don‘t hesitate to reach out.
How long do you lend for?
Our speciality is short-term 6-month lending, tending to suit property developers needing to purchase and/or hold land while their consents are being sorted, or business owners requiring interim funding to support their business. We are not long-term lenders and we do not lend to individuals – only businesses for business purposes.
How important is my income?
Property value takes precedence over your primary sources of income. Our key concern is ensuring you have sufficient capital reserves or income to comfortably cover both your living expenses and the loan interest repayments – excluding capitalised interest, should it apply.
Do I need a new registered valuation?
The necessity for an updated valuation varies based on several factors. These factors include the property’s current valuation date, its value relative to the loan amount, the valuer’s credentials, and the additional information we can gather to appraise the property’s worth. In some cases, we may only need the current valuation to be readdressed to us.
What are your fees and interest rates?
Our fee schedule is straightforward and consists of just two fees: an initial setup fee and an annual interest rate. We do not have any additional fees, such as early repayment fees, discharge fees, line fees, or other fees typically charged by banks or finance companies.
View the latest regional property updates here.
Want a property loan? Work with us.
Why Fifo Capital
for Your Business Success
We are experienced professionals in 360 finance thinking, creating bespoke funding solutions to meet your needs. Our smart products and efficient services are just part of the package.
One on One Commitment
Work with an industry expert who is also the decision maker.
Get Quick Answers
No waiting – we give immediate answers and steps you through the process.
Partnering With Your Bank
We can work with your bank for those times when dual banking is best.
Who we have helped
“The Fifo Capital team have always been a great finance partner and have constantly provided us with flexible terms and fast approvals. We have been extremely happy with their service and would certainly recommend them to any others looking for finance.”
Manufacturer
“We are writing to thank you for the fantastic service you provided to our logistics business. We found your staff to be extremely knowledgeable about our industry, and your flexible repayment options enabled us to secure the funds we needed in a timely manner. Thank you.”
Transport logistics operator
“I am writing to highly recommend Fifo Capital for businesses like mine. I have been trading commodities for over 10 years and have used Fifo Capital to finance my business for the past few. Without fail, they always provide exceptional service. They have a great understanding of the market and are able to meet my needs.”
Commodity trader
“As a property investor I have been impressed with the quality of service Fifo Capital provides. They are knowledgeable, professional, reliable, fast, and understand my need to hold property while undertaking consent approvals. They are easy to work with.”
Property investor