Vellum Advisory Menu
Starter:
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We arrange residential finance across banks, non-banks, and private capital, structured not just to qualify you today but to refinance into stronger terms as your position grows.
Mains:
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We fund your next home or investment, matching lender and structure before you make an offer so you bid with certainty, PAYG, self-employed, alt doc, or complex income.
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Most borrowers sit on a rate they'd never accept today. We benchmark your loan against the full market and move you to better terms, lower rate, cash out, consolidation, or simply a lender that fits.
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Equity sitting in a property is capital sitting idle. We release it cleanly, for the next investment, business growth, or clearing costly debt, so today's drawdown strengthens your position instead of stretching it.
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We fund your next property before your current one sells, structuring the bridge around your end debt and settlement timeline with the exit mapped so it unwinds cleanly, buying on your terms, not under pressure.
Dessert:
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The sharpest rates on the strictest rules. Major banks offer the cheapest money, but only to clean-credit, provable-income, low-LVR borrowers, the destination for those who qualify and where we're working to get everyone else.
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The engine room of real-world lending. Non-banks price the borrowers majors won't read, self-employed income, recent credit events, higher LVRs, dearer but far more flexible, where most deals get done while we prepare the file for cheaper terms.
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Private capital answers to deal logic, not credit policy, the tool for urgent settlements, short-term funding, or complex security the regulated market can't accommodate, always structured with an exit mapped, a stepping stone, never a destination.