Fee guide

Your loan is with the lender, not with us. We find the deal a home, structure it, and place it with whichever lender on our panel actually wants it. When it settles, that lender pays us.

That payment is already inside the pricing you are quoted. It is not a line item bolted onto your loan, and it is not a separate invoice from us.

We do not bury fees. If there is ever a fee you pay directly on a deal, you will see it in writing before you sign anything, not after.

We charge somewhere between 0.40% + GST and 4% + GST of the loan. At the top, 4% + GST is 4.4% once GST is in.

Four things decide where a deal lands. The size of the loan: bigger loans, lower percentage. The security: a first mortgage over property sits at the bottom, unsecured sits at the top. The type of finance: senior commercial and development debt is cheaper than specialist private or cashflow lending. And the work: a clean, near-bank deal costs less than a private structure we have to build and fight for.

None of this is made up. On big commercial and development deals, the banks and senior lenders pay brokers 0.40% to 0.80%, so that is where those deals sit for us too. At the other end, unsecured and cashflow lenders pay up to 4% + GST, because there is no property behind the loan and a lot more work for every dollar lent. A $300K second mortgage that has to settle this week is a different animal to a $5M development facility, and what we make reflects that.

A $1M-plus commercial or development loan sits at the lower end. A private deal under $500K sits higher. That is not a penalty for borrowing less. A small private deal takes about as much work as a big one, and private lending is hands-on, not a straight-through bank approval.

Same due diligence, same structuring, same back-and-forth with the lender, just spread over a smaller loan, so the percentage goes up. In actual dollars it is usually less than people expect. Unsecured cashflow finance can be funded in hours, but there is no property securing it, so it sits at the top for the same reason.

This comes from years of doing private lending properly. We price against what banks and private lenders actually pay brokers, not against how much a borrower might swallow. The same deal costs the same every time.

If a deal stops making sense for you once our fee is in it, we will say so. And you can ask what we are making on your deal whenever you want. You will get a straight answer.

Aurelius Private brokers commercial-purpose deals only, outside the National Consumer Credit Protection Act. NCCP-regulated lending, such as owner-occupied residential finance, sits with our affiliated brokerage, Aurelius Capital, a credit representative (560751) of Viking Money Pty Ltd (ACL 471435, held by Viking Aggregation Pty Ltd). Its fees are set out in the Aurelius Capital Credit Guide.