Looking to purchase a new build investment property
🎯
Who this is for
High-income PAYG, self-employed and other investors purchasing new builds such as house & land packages, townhouses or off-the-plan apartments.
🚨
The Situation
You had a steady job and a good income. After years of saving, you finally found the right property to invest in — a new townhouse that hadn’t been built yet. To buy it, you had to commit now and wait about a year for it to be finished.
🚧
The Roadblock
Your bank got nervous. The property didn’t exist yet, so there was nothing to inspect and no similar sales nearby to compare it to. Weeks went by with no answer. As settlement got closer, you started to worry the whole deal might fall through.
✨
The Solution
Your broker suggested Uptain. We checked their income the normal way — payslips and a group certificate, nothing unusual. And we were happy to lend against a new-build property, because that’s a normal investment to us, not a risk. Their loan was approved well before settlement, so they picked up the keys with no last-minute stress.
For Brokers:
Uptain product/s that will fit this scenario:
- Residential Full Doc
- Residential Alt Doc
- Other eligible residential products subject to policy.
Why it worked?
1) Flexibility to assess income under their PAYG payslip or complex self-employed
2) Negative gearing under their Individual, Company or Trust being as Borrowers
Business Owner wanting to purchase their own Commercial Property
🎯
Who this is for
Business owners purchasing owner-occupied or investment commercial property such as warehouses, industrial units, offices or medical suites.
🚨
The Situation
You’ve run your business out of the same warehouse, office or medical suite for years. Every month you write a rent cheque, and every month it builds someone else’s equity instead of yours. You’ve finally found the right premises to buy outright.
🚧
The Roadblock
Your bank wanted three years of company financials, forecasts, and paperwork that doesn’t really exist when you’re focused on running a business, not preparing for a loan application. Weeks went by, and you still didn’t have an answer.
✨
The Solution
Uptain looked at you as a business owner, not a spreadsheet. We worked with what you actually had — your BAS statements, your accountant’s letter, or simply the rent you’d pay anyway — and matched you to our product, whichever fitted your paperwork. The loan was approved against the property you already trade from, and now every payment is building something that’s yours.
For Brokers:
Uptain product/s that will fit this scenario:
- Commercial Full Doc / Alt Doc / Lease Doc
- Depending on the scenario and policy
Why it worked?
1) Business Owner buying commercial property
2) Business Owner buying Owner Occupied or Investment property
Purchase commercial property through your SMSF
🎯
Who this is for
SMSFs acquiring commercial property, including eligible Business Real Property that may be leased to the member’s business.
🚨
The Situation
Your accountant mentioned it almost in passing: your SMSF had enough behind it to buy the building your business already operates from. You’d never really thought of your fund and your business as something that could work together like that.
🚧
The Roadblock
The bank you’d used for years didn’t want to touch it. A related-party lease made them nervous, and the custodian trust structure wasn’t something the loan officer had dealt with before. You were left holding a good idea with nowhere to take it.
✨
The Solution
Uptain works with SMSF purchases every week, so none of it was new to us. We set the loan up through your fund’s Bare Trust, confirmed the lease at market rent, and settled on the property without treating your structure like a novelty. Now your fund owns the building, and your business’s rent is quietly building your retirement.
For Brokers:
Uptain product/s that will fit this scenario:
- SMSF Commercial
- Servicing approach and structure subject to policy
Why it worked?
1) SMSF fund acquiring Commercial Property, including Business real-estate property leased to the member’s own business as part of a long-them retirement and Wealth strategy.
2) The only difference with Uptain is the security is Commercial.
Grow your property portfolio
🎯
Who this is for
Experienced property investors, including eligible company and trust borrowers, looking to acquire, expand or refinance residential and commercial portfolios.
🚨
The Situation
Years ago you set up a your property portfolio. You started with one property, then added another, then another. Each one was rented out straight away, and the rent has been covering the repayments ever since. Now another opportunity has come up, and you want to grab it.
🚧
The Roadblock
Your broker went back to the big bank and got the same answer as last time: too many loans on the one trust. It doesn’t matter that the numbers stack up — their system just has a limit, and you’ve hit it.
✨
The Solution
Uptain doesn’t put a cap on how many properties a trust or company can hold. We looked at what the portfolio actually earns and settled the next loan under Full Doc or Alt Doc — whichever suited your paperwork. The plan you started years ago is still moving.
For Brokers:
Uptain product/s that will fit this scenario:
- Residential Full Doc
- Residential Alt Doc
- Commercial Finance where applicable
Why it worked?
1) For professional property investors, company and trust borrowers looking to build, expand or refinance residential and commercial property portfolios.
2) We design product suitable for property investors to build their portfolio upto $10mil
3) Income we using are their rental income, management income and business income
4) Can be complex Trust with 2 layers of Trust.
Buy your next property before selling your current one
🎯
Who this is for
Borrowers requiring short-term finance to bridge a property purchase, refinance existing debt or manage a property transition.
🚨
The Situation
The property you actually want has come up — a bigger home, new business premises, or the next deal in your portfolio. There’s just one problem: your current property hasn’t sold yet, and you don’t want to lose this one waiting for that to happen.
🚧
The Roadblock
Your bank wants your existing property sold and settled first, or wants you to prove you can service two full loans at once, indefinitely. Either way, you’re stuck waiting on a decision — and the seller of your new property isn’t going to hold it for you.
✨
The Solution
Uptain’s Bridging Loan lets you settle the new purchase now, secured against both properties, while you sell your existing one properly instead of rushing it. Once that sale settles, the bridging debt is paid down and you’re left on a normal loan for the property you kept — no missed purchase, no fire sale.
For Brokers:
Uptain product/s that will fit this scenario:
- Bridging / short-term property finance
- Relevant Full Doc or Alt Doc options subject to policy
Why it worked?
1) Short-term finance solutions to support property purchases, bridging, refinancing and property transition strategies.
2) Short term solution as they do their transition
3) Interest is charge at the end of the bridging term
Fund your next small property development
🎯
Who this is for
Developers, builders and experienced investors undertaking land subdivision, townhouse projects or other small-scale residential developments.
🚨
The Situation
You’d found the block — big enough to subdivide, or perfect for three or four townhouses. Your builder had priced it, an agent had given you realistic sale numbers for each finished dwelling, and the plan made sense on paper.
🚧
The Roadblock
Your bank’s development lending was built for big players — full-time project managers, dozens of lots, a whole department to manage drawdowns.
A small builder-developer doing one project didn’t fit the mould, and the staged payments you needed weren’t something they knew how to structure.
✨
The Solution
Uptain funds small development projects every day — subdivisions, townhouse builds, boutique sites. We set up drawdowns against your actual build stages, and assessed the deal on your project, builder and numbers. Finance settled, and the first stage is already underway.
For Brokers:
Uptain product/s that will fit this scenario:
• Development Finance
Why it worked?
1) Funding solutions for land subdivision, townhouse developments and small-scale residential development projects.
2) Finance solution for developers retaining completed stock.
3) Refinancing construction debt
4) Developers transitioning to completed projects into long-term rental investments.
5) Complex Self-Employed investors seeking to land Vacant land – and sub-divide into multiple subs. Once construction is completed and titled, developers can refinance their construction loan.
Completed your development and looking to hold rather than sell
🚨
The Situation
You built 10 townhouses. Seven sold off the plan, easy. The last three didn’t — so instead of dropping the price to force a sale, you decided to rent them out and wait for a better market.
🚧
The Roadblock
The problem is the loan. It was a construction loan, built to fund the build — not to sit there while you collect rent for a year or two. Your bank wants it paid out now that the building work is done, ready or not.
✨
The Solution
Uptain pays out the construction loan and replaces it with one built for exactly this — three finished, rented townhouses, sitting on a normal loan for as long as you want to hold them.
For Brokers:
Uptain product/s that will fit this scenario:
• Residual Stock
• Commercial Lease Doc
• Suitable refinance solution, subject to property and structure.
Why it worked?
1) Development finance Residual Stock
2) They can use commercial lease doc to refinance and do equity release
3) In construction stage or Knockdown and rebuild 3 or more townhouses
Restructure your property portfolio and unlock your next opportunity
🚨
The Situation
You’ve built up real equity across a few properties over the years. Then tax reform landed, and suddenly the deductions and numbers you’d planned around don’t add up the same way. You want to refinance, consolidate, or restructure before your next move — not after.
🚧
The Roadblock
Your bank reassessed everything under the new rules and didn’t like what it saw. Loans spread across residential and commercial titles, some on old terms, some overlapping — too messy for one lender’s policy to touch as a single deal. So they offered to refinance one property, and left the rest exactly where they were.
✨
The Solution
Uptain looked at the whole picture instead of one loan at a time. We rolled your residential, commercial and short-term debt into a cleaner structure, sized to how the new tax rules actually treat your income and equity. The equity you’d built stopped sitting locked up, and started working for what’s next.
For Brokers:
Uptain product/s that will fit this scenario:
• Residential Full Doc
• Residential Alt Doc
• Prime and commercial solutions where applicable.
Why it worked?
1) Development finance Residual Stock
2) They can use commercial lease doc to refinance and do equity release
3) In construction stage or Knockdown and rebuild 3 or more townhouses