Nationwide
Reach
Designed for large or complex structures needing a tailored solution. Every Australian postcode. Second mortgages. No minimum credit score. The product for deals that other lenders cannot or will not do.
Every Australian postcode, second mortgages, complex structures
Product Features
Fees & Charges
Reach exists for the deals that fall outside the box. Regional postcodes that other private lenders will not touch. Second mortgages that banks refuse to consider. Credit-impaired borrowers who have been declined everywhere else. Complex multi-security structures that require a lender willing to think beyond the standard template.
Every other product in our suite has geographic limitations. Boost and Flexi cover capital cities and select metro areas. Even Resolve, while Australia-wide, works best for borrowers with clean financials. Reach is different. It covers every Australian postcode — from Sydney CBD to remote Queensland, from Melbourne inner suburbs to Western Australian mining towns.
Reach also accepts second registered mortgages. This is significant because it means borrowers can access additional capital secured against property they already own, even when there is an existing first mortgage in place. The LVR is calculated on a combined basis — our loan plus the existing first mortgage cannot exceed 70% of the property value. This opens up capital for borrowers who would otherwise need to refinance their entire first mortgage just to access additional funds.
There is no minimum credit score on Reach. We assess deals on the strength of the property security, the viability of the exit strategy, and the commercial purpose of the loan. Borrowers with defaults, judgments, or impaired credit histories can still access capital if the property security is adequate and the deal structure makes sense.
Income can be self-declared or structured as prepaid interest. Terms range from 6 to 60 months, and loan sizes run from $200,000 to $5,000,000. The Loan Management Fee starts from 0.20% per month, reflecting the additional complexity and risk associated with regional locations and subordinate security positions.
For brokers, Reach is the product that saves deals. When every other lender has said no — because the postcode is too remote, the credit is too impaired, or the structure is too complex — Reach provides a genuine path to settlement. It is the safety net product that turns a declined scenario into a funded deal.
Use Cases
When to use Reach.
Regional or Rural Property
Your property is outside the metro areas that most private lenders cover. Reach accepts every Australian postcode — including regional towns, rural properties, and remote locations that other lenders decline. If the property has value and the deal makes sense, we will look at it.
Second Mortgage Top-Up
You already have a first mortgage and need additional capital without refinancing. Reach provides second mortgage facilities, calculated on a combined LVR basis. Access the equity in your property without disturbing your existing first mortgage arrangements.
Credit-Impaired Borrower
Defaults, judgments, or a low credit score have locked you out of traditional lending. Reach assesses on property value and exit strategy rather than credit history. If the security is adequate and the deal structure is sound, your credit score is not a barrier.
Complex Multi-Security Deals
Multiple properties across different postcodes, mixed security types, or unconventional structures. Reach is built for complexity. We assess each security individually and structure the facility to fit the deal rather than forcing the deal to fit a template.
Frequently Asked Questions
Reach FAQ
Does Reach cover regional postcodes?
Yes. Reach covers every Australian postcode without exception. This includes regional towns, rural areas, and remote locations. The postcode category affects the LVR and pricing — properties in more remote areas may attract a lower maximum LVR and higher fees — but no postcode is excluded outright. If the property has adequate value and the deal structure is sound, Reach will consider it.
Can I get a second mortgage through Reach?
Yes. Reach supports both first and second registered mortgages. For second mortgages, the LVR is calculated on a combined basis — our loan plus the existing first mortgage cannot exceed 70% of the property value. This allows borrowers to access additional capital secured against property they already own without refinancing their existing first mortgage.
What if I have bad credit?
Reach has no minimum credit score requirement. We assess deals primarily on the strength of the property security and the viability of the exit strategy. Borrowers with defaults, judgments, Part IX agreements, or other credit impairments can still access capital through Reach. The key requirement is adequate property security and a clear plan to repay the loan.
What is the maximum LVR on Reach?
The maximum LVR on Reach is 70%. This is slightly lower than our other products (which offer up to 75%) because Reach covers regional postcodes and second mortgages, which carry additional risk. For second mortgages, the 70% LVR is calculated on a combined basis — meaning the total of our loan plus any existing first mortgage cannot exceed 70% of the property value.
Related Resources
Learn more about Reach
Bad Credit Business Loans
How to access capital with bad credit — Reach has no minimum credit score.
Second Mortgages Through Private Lenders
How second mortgages work through Reach at up to 70% combined LVR.
Postcode Checker
Check your property postcode category and its impact on LVR and pricing.
LVR Calculator
Calculate your combined LVR for first or second mortgage scenarios.
Lending Glossary
Definitions including combined LVR, second mortgage, and postcode categories.
For Borrowers
Find out how to access capital through your mortgage broker.
Ready to submit a Reach deal?
Send us the scenario. We will match it to Reach and come back same day with indicative terms.