STRUCTURED PROPERTY FINANCE
Complex property. Considered capital.
Structured Property Finance is Altura's facility for complex property transactions that fall outside standard bank policy because the structure, security, or borrower profile requires considered assessment rather than a templated response.
WHAT IT IS AND WHO IT'S FOR
When the structure is complex, the lender needs to be too.
Standard bank lending is built for standard scenarios: consistent income, clean ownership, straightforward security. When a transaction steps outside those parameters, the response is rarely a considered no. It's usually a slow maybe that becomes a no six weeks later.
Structured Property Finance is built for deals where the complexity is in the architecture, not the borrower's ability to service or settle. Non-standard security types, layered ownership structures, borrowers outside standard serviceability metrics, time-critical bridging requirements - this is where Altura begins. We assess the full picture: assets, structure, intent, and exit, and build the facility around what the deal requires.
Who this is for:
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Property investors with complex portfolio structures
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Developers between projects requiring bridging capital
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Business owners securing capital against property
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Borrowers with non-standard security: leasehold, rural, strata-titled commercial, specialised assets
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High-net-worth individuals outside standard bank income criteria
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Brokers placing clients declined on serviceability despite strong asset positions
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Up to 40 year terms. Owner Occupied and Investment Securities, to maximise cash flow.
WHEN TO USE THIS STRUCTURE
This structure may be right for your scenario if:
Your security doesn't fit the bank's accepted list.
The property type, ownership structure, or security location is outside standard bank parameters. The asset has value and the deal makes sense but the bank's policy won't accommodate it.
Your ownership or entity structure is layered.
The borrowing entity involves trusts, companies, or multiple individuals in a structure that a standard bank credit model struggles to assess cleanly. The commercial rationale is clear, the paperwork is the obstacle.
You're bridging between transactions and need certainty of timing.
You have a property to settle before a sale proceeds, a development nearing completion, or a refinance in progress. You need a facility that can move to a clear deadline.
You've been declined on serviceability, not on asset position.
Your income may not present cleanly on paper, but your asset base, net position, and commercial history support the deal. The bank has applied a formula, Altura applies judgement.
HOW WE STRUCTURE
Key lending parameters
Each deal is assessed on its own structure. The parameters below provide a working framework, actual terms are determined by the scenario, security type, and borrower profile. Submit a scenario to get a direct assessment.
MAX LVR
Up to 90% (case by case, higher LVR considered against strong asset position)
BORROWER TYPE
Up to 75% (case by case, higher LVR considered against strong asset position)
LOAN TERM
3 months – 40 years
INCOME VERIFICATION
Full doc · Alt doc · Asset-backed assessment
ACCEPTABLE SECURITY
Residential · Commercial · Industrial · Rural · Leasehold · Strata-titled commercial · Specialised assets (assessed individually)
LOAN PURPOSE
Purchase · Refinance · Bridging · Equity release · Business purposes secured by property
DEAL SHOWCASE
How this structure has been applied
All transactions are anonymised.
STRUCTURED PROPERTY FINANCE · KEL & TRAVIS, NSW
$1.1M
Borrower declined by long-standing main bank for an investment property purchase. Strong banking relationship did not overcome standard policy constraints.
Approved on a 40-year loan term to achieve serviceability.
Loan approved and settled, enabling the purchase of an additional investment property.
STRUCTURED PROPERTY FINANCE · KEVIN & LEE, NSW
$2.38M
Seasoned investors experiencing delays with their private banker. Financial planner referred client to Altura due to timing pressure.
Non-traditional loan structure with on market pricing. Collaborated with the borrower's financial planner and accountant. Technology-enabled process for speed and ease.
Solution delivered within days. Full coordination across advisors with minimal borrower involvement - critical given the clients' time constraints.
KEY CONSIDERATIONS
What brokers and borrowers ask most
What makes a transaction "structured" rather than standard?
A structured transaction is one where standard bank policy cannot accommodate the deal as presented, not because the deal is poor, but because the security, entity structure, income presentation, or timing falls outside the bank's automated credit criteria. Altura assesses these transactions individually, applying commercial judgement to the full picture rather than running a serviceability model.
How does Altura assess non-standard security?
Security assessment is case by case. We look at the asset's realisable value, the depth of the market for that asset type, the borrower's overall position, and the exit strategy. We don't publish a blanket accepted-security list because the structure of the deal matters as much as the asset class. Submit a scenario and we'll give you a direct answer.
What is Altura's approach to bridging transactions?
Bridging facilities require certainty on both legs, the current position and the exit. Altura assesses the exit strategy first. If the exit is sound and the timeline is realistic, we can structure a bridging facility that moves quickly. We will not bridge a transaction where the exit is speculative or the timeline is optimistic.
How does Altura protect a broker's reputation on complex submissions?
We only submit when we're confident the deal will settle, our target is a 99% submission confidence rate. Before we commit, we assess the full scenario. If the deal isn't right for us, we tell you directly and explain why. No false starts, no soft commitments, no surprises at credit.
What does the assessment process look like for a complex property transaction?
Submit a scenario through the Scenario Desk with as much detail as you can provide: loan amount, security, borrower structure, purpose, and timeline. We'll respond with an indicative position within 24 hours. If we're proceeding, we'll outline what we need to move to formal assessment. We don't run a queuing system, scenarios go directly to the credit team.