Finance · Australia
Engineered take-out finance for borrowers in a maturing private credit, caveat or bridging loan — refinance to a longer-term bank or non-bank facility.
Quick answer
A private lender exit (or 'take-out') refinances a short-term bridging or caveat loan into a longer-term bank or non-bank facility before it matures. OzyLoans engineers exits in 2–6 weeks across Australia, including distressed scenarios where the existing private lender is calling default.
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 6.49% | 4–8 wks |
| 2nd-tier bank | 6.79% | 3–6 wks |
| Non-bank | 7.29% | 2–3 wks |
| Private credit | 8.79%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
Australian Credit Licence holder, AFCA member.
Most enquiries get a same-day or next-day answer.
Banks, non-banks and private credit on one panel.
It's a refinance from a short-term private credit, caveat or bridging loan into a longer-term bank or non-bank facility — typically before the original loan matures or defaults.
Indicative approval in 24–72 hours. Bank take-outs typically settle in 4–6 weeks; non-bank take-outs in 2–3 weeks.
Yes — distressed take-outs are a core specialty. We engineer fast refinance with non-bank or specialist lenders even when the existing facility is in default, subject to security and exit strategy.
Not always. Lo-doc and asset-lend take-outs are available where serviceability is supported by the security and exit strategy.
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