Loans

For well over half a century, W&D Finance has played a pivotal role in helping many people attain their goals, realise their aspirations, and lay the foundations for their future. We take immense pride in our contribution to the growth, development and prosperity of Ballarat and its surrounding region.

We’re not a bank, we are your financial partner. This means that you will be able to speak to the people who are making the decisions. We offer a range of mortgage loan products with competitive interest rates and are committed to customising our solutions to align with your unique needs.

  • Time matters!

    W&D have the ability to approve and settle a loan fast, sometimes within 24 hours.

  • Flexible loan purpose

    Equity release for working captial.

  • Short term bridging finance

    We take a unique perspective to short-term funding and can help you in all kinds of circumstances.

  • Construction/development loans

    Helping you build a better future.

  • Self-managed superfunds (SMSF)

    SMSF lending options available.

Loan products

  • Residential Loans

    • Loan to Value Ratio: maximum 75%

    • Property Location: Regional and Metropolitan Areas

    • Interest Only: Available

    • Maximum Loan Term: 3 Years

    • Establishment Fee: 1% of Loan Amount

    • Early Repayment Fee: To be advised on application

    • Valuation Fee: Quote to be provided

    • Indicative Approval: 2-5 days

  • Commercial Loans

    • Loan to Value Ratio: maximum 70%

    • Property Location: Regional and Metropolitan Areas

    • Interest Only: Available

    • Maximum Loan Term: 3 Years

    • Establishment Fee: 1% of Loan Amount

    • Early Repayment Fee: To be advised on application

    • Valuation Fee: Quote to be provided

    • Indicative Approval: 2-5 days

  • Development – Residential and/or Commercial

    • Loan to Value Ratio: maximum 65%

    • Quantity Surveyor Fees: Yes

    • Interest Only: Available

    • Maximum Loan Term: 3 Years

    • Establishment Fee: 1% of Loan Amount

    • Early Repayment Fee: To be advised on application

    • Valuation Fee: Quote to be provided

    • Indicative Approval: 2-5 days

Apply now

Enquire

Ready to apply for a loan or have more questions?
Our team are ready and waiting.