Fast, Flexible Funding with Potential to Waive Valuations

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Assurity Capital provides low LVR property loans under $1 million, specialising in sub-50% leverage transactions where there is clear and supportable evidence of the property’s current value.

As a non-NCCP, asset-based lender, we focus on the strength of the security — allowing us to deliver fast approvals and, in many cases, waive formal valuations, reducing both time and cost.

 

Sub-50% LVR Lending = Speed & Certainty

Our lending approach is deliberately conservative, which allows us to move quickly.

 

We typically focus on:

• Sub-50% LVR positions

• Strong, supportable property values

• Clear exit strategies

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Because of this low-risk position, we can often:

• Approve deals within 24–48 hours

• Rely on existing valuation evidence or market data

• Avoid the need for a full valuation in appropriate scenarios

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This is particularly valuable for time-sensitive transactions.

 

What is a Low LVR Loan?

A Loan-to-Value Ratio (LVR) represents the percentage of a property’s value that is being borrowed.

• 50% LVR = low risk

• 60–70% LVR = moderate

• 80%+ LVR = higher risk

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At Assurity Capital, we generally target sub-50% LVR lending, which provides the flexibility to move faster and structure deals with greater certainty.

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Non-NCCP Lending (Business & Investment Only)

Assurity Capital operates as a non-NCCP lender, meaning:

• Loans are for business or investment purposes only

• Greater flexibility in assessment and structure

• Focus on asset strength and exit strategy

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This allows us to assist borrowers who fall outside traditional lending criteria.

 

Why Choose a Low LVR Loan?

Speed of Execution

Low leverage positions allow for rapid approvals and settlements.

Potential to Waive Valuations

Where there is clear and reliable evidence of value, we may waive formal valuations, saving time and cost.

Flexible Assessment

We take a commercial approach, not a rigid servicing model.

Ideal for Complex or Urgent Scenarios

Including:

• Time-sensitive settlements

• Equity release for business purposes

• Bank declines despite strong equity

• Non-standard income situations

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Loan Scenarios We Fund (Under $1M)

• Equity release for business purposes

• Second mortgage loans

• Short-term bridging finance

• Refinancing private or non-bank loans

• Property-backed investment opportunities

• Loan sizes: $50,000 to $1,000,000

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How We Assess Your Loan

Our focus is simple and commercial:

• Property value and location

• Strength of equity (typically sub-50% LVR)

• Availability of reliable valuation evidence

• Clear exit strategy

 

Where sufficient data exists, we can often proceed without a full valuation, accelerating the process.

 

Example Scenario

Property Value: $1,200,000
Loan Amount: $500,000
LVR: ~42%

Outcome:

• Fast approval

• Potential valuation waiver

• Flexible loan structure

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Why Assurity Capital?

• Specialist low LVR / sub-50% lender

• Fast approvals (often 24–48 hours)

• Ability to waive valuations in suitable scenarios

• Non-NCCP, asset-based lending

• Direct access to decision-makers

• Australia-wide lending

We focus on speed, certainty, and practical outcomes.

 

Frequently Asked Questions

Can you waive valuations?

Yes — in appropriate low LVR scenarios where there is strong supporting evidence of value, we may proceed without a full valuation.

What LVR do you typically lend to?

Generally sub-50% LVR, depending on the strength of the deal.

Are these loans regulated?

No — loans are non-NCCP and must be for business or investment purposes only.

How quickly can I get approved?

Indicative approvals are often provided within 24–48 hours.

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Get a Low LVR Loan Quote

If you have strong equity and need fast, flexible funding under $1 million, Assurity Capital can structure a solution quickly — often without the delays of traditional valuation processes.

📞 02 9389 1077
📧 scenario@assuritycapital.com.au

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Submit your scenario today for a fast assessment.

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