For Borrowers

Up to 100% finance.
Including all costs.

Up to 100% finance including purchase price, stamp duty, fees and capitalised interest. No monthly repayments. Flippers Finance connects property flippers who buy through a Pty Ltd with money partners, including family offices and high net worth individuals. On select deals, Flippers Finance also funds directly.

Overview Borrowers Money Partners Submit a Deal Calculator How It Works
The Product

What we arrange for you

Flippers Finance arranges introduction to a private money partner, or on select deals funds directly, to provide up to 100% of the total cost including purchase price, stamp duty, fees and capitalised interest. If 100% does not work on your deal, you may need to contribute funds. No monthly repayments. You focus on the renovation and exit.

  • Up to 100% including purchase price, stamp duty, fees and interest
  • Interest capitalises, no monthly repayments
  • Up to 24 month loan terms
  • Asset based assessment, not income based
  • Must purchase through a Pty Ltd
  • Investment or renovation purpose only
  • Property must stack against an independent as-is valuation
  • Exit within the agreed term
Eligibility

Who this is for

This is designed for experienced property investors who know how to find good deals and have a clear renovation and exit plan. It is not for first home buyers, owner occupiers or speculative land banking.

  • Purchase must be through a Pty Ltd entity
  • Investment or renovation purpose only, never owner occupied
  • Property must be purchased below independent as-is valuation
  • All-in loan must sit within LVR parameters against valuation
  • Clear exit strategy required
  • Borrower must seek independent legal advice
Step by Step

How the borrower process works

Submit your deal enquiry

Provide the property address, purchase price, your Pty Ltd details, renovation plan summary and exit strategy. This is a free desktop assessment.

Desktop assessment

Flippers Finance reviews the deal at a high level. Do the numbers look like they could stack? Is there a viable renovation plan? Is the exit realistic? No cost to you at this stage.

Independent valuation ordered

If the deal looks viable, an independent valuation is ordered. You pay the valuation fee at cost. This is paid directly to the valuer.

LVR assessed and deal presented to money partners

If the valuation confirms the all-in LVR stacks within at least one tier, a deal summary is sent to our money partner network. The valuation lets us see the full picture.

Money partner confirms interest

A money partner expresses interest in funding the deal. At this point, the assessment fee (up to $2,500) is payable by you. This is non-refundable.

Full deal pack prepared and reviewed

Flippers Finance prepares the full deal pack. The money partner has 48 hours to review and commit. Both parties appoint their own solicitors.

Legal documents prepared

Four documents are prepared: Contract of Sale, Loan Agreement and Mortgage, Fee Agreement and Introducer Agreement. Your solicitor reviews everything on your behalf.

Settlement

Money partner funds flow to the conveyancer trust account. The conveyancer pays the vendor, stamp duty and Flippers Finance fees (establishment fee deducted from loan proceeds). Mortgage registered. Deal is live.

Renovate

You manage the renovation independently. No monthly repayments during the term. Interest capitalises.

Exit

Exit the deal within the agreed term (up to 24 months). Money partner receives principal and interest in full. Mortgage is discharged.

Fees

Fee structure

All fees are clearly disclosed upfront. There are no hidden charges.

Fee Amount When Paid Refundable
Valuation Fee At cost When valuation is ordered No
Assessment Fee Up to $2,500 After valuation stacks and money partner confirms interest No
Establishment Fee Up to 2.5% of total loan At settlement (from loan proceeds) N/A

Borrowers are also responsible for their own legal costs, stamp duty and any other transaction costs associated with the purchase.

Example

Indicative deal example

3 Bedroom House - Regional Victoria

Purchase Price$340,000
Independent As-Is Valuation$500,000
Stamp Duty (Approx.)$14,000
Establishment Fee (2%)$7,600
Capitalised Interest (9 months @ 16%)$43,400
Total All-In Loan$405,000
All-In LVR81%
Renovation Budget (Borrower Funded)$35,000
Projected Post-Reno Value$580,000
Exit StrategySale

*This example is for illustration only and does not represent a specific deal or guaranteed outcome. All figures are indicative. Each deal is assessed individually. Seek independent financial and legal advice.

Got a deal that stacks?

Submit your deal for a free desktop assessment. No commitment. No cost until valuation stage.

Submit Your Deal Back to Overview