Value-driven
financial solutions

AIH PRODUCTS PORTFOLIO

Building value-driven financial solutions that deliver a positive return on investment is what keeps loyal clients returning and new partners investing with AIH. From short-term loans to property development projects, we offer superior deal structures through our diverse network of bank, non-bank institutions, mortgage funds and trusted private lending partners.

More open communication, flexible lending terms and competitive pricing structures available through AIH ensures all key stakeholders gain value across mutually beneficial financial ventures. Our joint client and partner focus is to ultimately produce rewarding financial solutions that yield tangible investment results for the future.

Development and Construction Finance

  • Borrow up to 90% of Hard Costs or 80% GRV inc. GST
  • Loan amounts up to $200M+
  • Presale and No Presale options available
  • No upfront lender application fees required (on most facilities)
  • No line fees
  • Multiple Valuers and Quantitative Surveyors to choose from
  • Fast Credit decisions

Future Development Site Finance

  • Borrow up to 80% LVR
  • Loan amounts up to $100M+
  • No upfront lender fees required (on most facilities)
  • No line fees
  • Fast Credit decisions

Non-bank Finance

  • Borrow up to 80% LVR
  • Loan amounts up to $40M
  • Principal & Interest (P & I) or Interest Only (I/O) payment options available
  • Loan terms from 1-30 years
  • Interest only payment option available
  • Full doc, lite doc and lease doc options available
  • Residential, commercial, industrial, rural and SMSF facilities available
  • No upfront lender application fees required (on most facilities)

Private / Short-term Finance

  • Borrow up to 80% LVR*
  • Loan amounts up to $60M+
  • Loan terms from 1-3 years
  • Interest Only (I/O) payments available
  • Self-employed borrowers only – ABN Registered
  • Unlimited Cash Out
  • Payment of ATO tax debts, Caveats, Arrears, Court Judgements, etc. acceptable
  • Residential, commercial, industrial, rural security acceptable

Mezzanine / Second Mortgage Finance

  • Borrow up to 80% of GRV*
  • Loan amounts up to $10M+
  • Interest only payments available
  • Business purposes only
  • Fast credit decisions
  • No upfront lender application fees required (on most facilities)
*AIH stated interest rates and LVR’s are subject to change without notice.

Low doc Loans

  • Borrow up to 80% LVR*
  • Loan amounts up to $40M
  • Loan terms from 1-40 years
  • Principal & Interest (P & I) or Interest Only (I/O) payment options available
  • Self-employed borrowers only – ABN Registered
  • Unlimited Cash Out
  • Payment of ATO tax debts acceptable
  • Residential, commercial, industrial, rural (<100 acres) security acceptable

Home / Investment Loans

  • Purchase: borrow up to 95% LVR, inclusive of LMI
  • Refinance: borrow up to 90% LVR
  • Loan amounts up to $3M
  • Loan terms from 1-30 years
  • Principal & Interest (P & I) or Interest Only (I/O) payment options available
  • Residential security only

Bridging / Construction Loans

  • Full Doc or Low Doc Options
  • Borrow up to 80% LVR
  • Loan amounts up to $25M+
  • Loan terms up to 2years. (up to 30 years if residual debt)
  • Interest only (I/O) payments capitalised for the loan term
  • Residential (up to 80%) and commercial (up to 75%) security acceptable

Non-Resident / Ex-Pat Loans

  • Fully verified income
  • Borrow up to 80% LVR
  • Loan amounts up to $25M
  • Loan terms up to 30 years
  • Principal & Interest (P & I) or Interest Only (I/O) payment options available
  • Residential (up to 80%) and commercial (up to 75%) security acceptable

Business Loans

  • Borrow up to 80% LVR
  • Loan amounts up to $60M+
  • Loan terms from 1-3years
  • Interest Only (I/O) payments available
  • Self-employed borrowers only – ABN Registered
  • Payment of ATO tax debts, Caveats, Arrears, Court Judgements, etc. acceptable
  • Residential, commercial, industrial, rural (<100 acres) security acceptable

Commercial Loans

  • Borrow up to 80% LVR
  • Loan amounts up to $10M+
  • Loan terms from 1-30 years
  • Interest Only (I/O) payments available
  • Self-employed borrowers only – ABN Registered
  • Unlimited Cash Out
  • Residential, commercial, industrial, rural (<100 acres) security acceptable

SMSF Loans

  • Full Doc and Low Doc options
  • Borrow up to 90% LVR – Residential
  • Borrow up to 75% LVR – Commercial
  • Loan amounts from $100,000 up to $5M
  • Loan terms from 10-30 years
  • Principal and Interest (P & I) or Interest Only (I/O) payments up to 5 years available
  • Minimum net assets of $150,000 within SMSF required
  • No Liquidity requirements
  • Directors with credit impairments accepted
  • Residential, commercial, industrial security available
  • Owner-occupier options available
  • Maximum of two (2) manual redraws per year available; maximum redraw of $50,000; needs to be SIS Act compliant
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