Residential Property
Whether you're buying your first home, refinancing, investing, or releasing equity — we look beyond the numbers to find a loan that fits your life.
Talk to our team →What we finance
Owner-occupied and investment lending with competitive rates and flexible terms. Available for full-doc, low-doc, and alternative income verification.
Restructure your existing loan for a better rate, consolidate debt, or unlock equity in your property for renovations, investment, or personal use.
Residential property lending for self-managed super funds, structured to meet compliance requirements with competitive LVRs.
Progressive drawdown facilities for owner-builder and builder-contract construction, with stage-based funding aligned to your build timeline.
The NDIS invests in and provides homes for people covered by the scheme, making sure they have the best possible life.
Navigating the market for the first time.
Growing a portfolio with flexible lending structures.
Whose income doesn't fit a standard payslip.
Purchasing residential property through super.
Investing in Australian property from abroad.
Lending structures designed for SMSFs and trust arrangements, subject to eligibility.
Family trusts, discretionary trusts, unit trusts, and hybrid trusts acquiring residential property.
Where the trustee entity is a corporate trustee purchasing via the fund.
As a non-bank lender, we fund loans directly — which means faster decisions and more flexibility than traditional banks.
We consider the full picture: your income, your goals, and your circumstances — not just a credit score.
Higher loan-to-value ratios available for qualifying borrowers, including guarantor and family pledge options.
Apply through your preferred mortgage broker, or contact us directly.
We have the answers for you
What types of loans does 360MMS offer?
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We provide residential home loans (owner-occupied and investment), commercial property finance, construction loans, SMSF lending, bridging finance, equity release, and business-purpose lending. We also lend to corporate and trust structures including Pty Ltd companies, family trusts, unit trusts, and hybrid trusts.
How is 360MMS different from going to a bank?
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We are a non-bank lender that considers your full story, goals and circumstances alongside the asset and cash flow — not just a standard credit-score checklist. Our own-book lending and specialist broking model can provide flexible options for residential and commercial finance, subject to assessment.
Can I apply directly, or do I need a broker?
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You can apply through your preferred mortgage broker or contact us directly. We can help you understand the options and next steps for your situation, subject to our assessment process.
Do you lend to self-employed borrowers?
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Yes. We work with self-employed borrowers whose income may not fit a standard payslip. Each application is assessed on its circumstances and lending criteria.
Can I borrow through a company or trust?
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Yes. We work with eligible individuals, companies and trust structures, including Pty Ltd companies, family, discretionary, unit and hybrid trusts and corporate trustees of SMSFs. Each application is assessed on its circumstances and lending criteria.
Do you offer SMSF home loans?
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Yes. We offer SMSF lending for residential and commercial property, structured to meet compliance requirements and subject to fund, security and borrower assessment.
What is the maximum LVR I can borrow?
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We currently offer up to 95% LVR for qualifying residential borrowers, with up to 102% available with LMI, and up to 80% LVR for commercial property. Actual LVR depends on the application, security, product and lender assessment.
