Latest updates on Finsure Loans products

Interest Rate Update

Effective 5 June 2025, we’ve made the following adjustments.

• A 0.25% p.a. reduction will apply to home, commercial, construction, and SMSF loans. Eligible clients will receive a letter confirming their new interest rate, new minimum monthly repayments, and the effective date of the new repayments.

• For conditional or formal approval applications, a reduction of 0.25% p.a. will be applied to their home, commercial, construction, or SMSF loan at settlement, or on 5 June 2025 – whichever date is later.
• For all other applications in the pipeline, the new business pricing will apply from 5 June 2025.

• We are reducing variable rates across our home, commercial, construction and SMSF loans by up to 0.25% p.a. from 5 June 2025.
• See the rate card for more information, which will be available on aggregator CRMs from 5 June 2025.

No LMI for up to 90% LVR – Extended!

Until 24 July 2025, help your clients save thousands and grow their borrowing power with Prime Full Doc residential property loans. Enjoy up to 90% LVR¹ with

• no LMI
• no LPF
• no risk fees

Need more?

• Up to 3% flat fee for 90-95% LVR.
• No occupation restrictions – prime eligibility criteria applies.

Investors, Owner Occupiers and Refinancers?

• Now even more affordability options
• Now more ways to improve your cash flow
• Now even more ways to improve your borrowing capacity

You can download our updated Product Guide, Fact Sheet, and FAQs by logging into Infynity.

 

Important information

Information is correct as of 22 May 2025 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

¹Lenders Mortgage Insurance or Loan Protection Fee promotion applies to new Prime Full Doc home loan applications for residential securities up to 90% LVR. This promotion isn’t available for vacant land securities or construction loans. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 1 April 2025 and 11:59pm AEST 24 July 2025.

Interest Rate Update

Finsure Loans Thrive is committed to supporting brokers and customers, so we’re pleased to let you know that we will be reducing interest rates across all variable rate products by 0.25% p.a. from 16 June 2025 for all existing and new customers.

Loan applications received from 21 May 2025 onwards will be assessed at the applicable new rate.

Download the latest Products & Rates by logging in to Infynity.

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Ease the fees with our $990 Combo Loan offer
Ease the fees for your customers with the purchase, investment, refinance or equity release of a combination of loans involving one commercial (≤$4M) and one or more residential loans (≤$2.5M).
This $990 reduced fee offer covers:

• Residential Establishment Fee (usually $650)
• Commercial Establishment Fee (usually 0.95% loan amount)
• Residential valuation fees
• Legal fees for commercial and residential loans*

Commercial Loans up to $8M
Whether it’s for acquisition, refinance, or business growth, we offer a range of flexible solutions with fast approvals and no ongoing fees:

• Full Doc, Mid Doc, or Quick Doc options
• Up to 80% LVR
• Up to 30 years principal + interest or 5 years interest only terms
• Commercial Lease Doc loans up to $2M (up to 70% LVR)

New Commercial Application Form
We’ve also recently updated our Commercial Application Form to save you time and streamline the submission process.
This update consolidates all required components into one format, supporting up to four companies/trusts (each with two individuals), and follows a simple, logical flow.

 

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Thrive also offers flexible policy features to help your self-employed clients get a better deal.

Commercial

• Commercial max loan is $4,000,000 for both Mid Doc & Full Doc
• 3-month ABN policy
• Additional GST loan available for commercial purchases. Total LVR 90% with no LMI
• Specialised securities such as boarding houses, childcare centres, apartment units/multiple dwellings on title
• Owner occupied & investment 30 Year set and forget loans
• Flexible cash out for business investment purposes

SMSF

• No liquidity or net asset requirements
• Projected contributions can be utilised in servicing if clients need to increase their contributions
• Up to 80% LVR on commercial & residential securities
• Additional GST loan available for commercial purchases. Total LVR 90% with no LMI
• Specialist Complex SMSF offerings i.e tenants in common

Residential

• Residential max loan $2,500,000 on a single security (up to $3mil for multiple)
• Company, Trust and Individual borrowers accepted
• Servicing based on most recent years’ financials (full doc loans)
• Flexible cash out for business, investment purposes & Tax debt payout
• Self-employed & complex lending: i.e. trusts, company
• Residential Account Manager details

Interest Rate Update

Effective 11th June 2025, Bridge will be lowering interest rates by 0.25% p.a. If you would like to understand how this will impact your customers, reach out to your BDM!

Here’s what our new rates look like:

Introducing Bridge’s new Stay Rate

We are excited to introduce Finsure Loans Bridge’s new Stay Rate.

Upsizing with Finsure Loans Bridge just got smarter, your clients can now unlock even better value and flexibility when buying before they sell with the new Stay Rate.

How does the Stay Rate work?

Your client’s loan starts out on our Bridge Rate. Once they sell their outgoing property and reduce their loan amount to the agreed residual loan amount displayed in the offer, the rate will automatically decrease to our Stay Rate (from 7.29% p.a), with no monthly repayments required for the remainder of the term.

Benefits for you and your clients?

• Flexibility for more of your upsizing clients to purchase a new home before they sell their existing.
• A more competitive rate on the residual loan amount after selling
• Enjoy no monthly repayments on a lower rate, for longer
• More time and flexibility to arrange the next lender post-bridging
• 0.35% commission, with no clawbacks, ever

If you have any questions, please reach out to your BDM today!

 

¹The Stay Rate will apply if a repayment is made from the sale of outgoing properties (or another repayment method) and the repayment reduces the loan balance to an amount that is equal to or less than the residual loan balance stated in the offer. Information is correct as of 5 May 2025 and is subject to change at any time.

Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.