Rates & Fees
Transparent pricing. No surprises.
Total transparency is a non-negotiable. Every dollar you pay us is disclosed here, before you commit a cent. We earn interest and fees only — your cashflow surplus is yours to build with.
Interest Rate
Rate on application
Variable · CPI-indexed · floor 12.00% p.a. Your rate is assessed on your entity profile and confirmed at application. Register to receive your indicative tier — takes 2 minutes.
Default rate: 24.00% p.a. compounding monthly.
Fee Schedule
| Fee | Amount | When |
|---|---|---|
| Establishment fee | 2.20% of loan ($6,380) | At settlement |
| Documentation fee | $3,500 | At settlement |
| Due diligence fee | $2,500 | On application — non-refundable |
| PPSR registration | $600 | At settlement |
| Monthly admin fee | $484/month | Monthly for life of loan |
| Dishonour fee | $50 | Per dishonoured payment |
| Default admin fee | $2,500 | On Event of Default |
| Step-in fee | $15,000 | On enforcement |
| Early repayment fee | 2.20% O/S + 3mo break interest + $385 | On early repayment |
| Resale commission | 5.00% of gross sale price | On disposal of asset |
| Refurbishment make-good | $15,000 flat | Deducted from sale proceeds on disposal |
Total Day-1 Cost
$122,980
Min 25% deposit + Woolong fees
Note on other costs: Site fee ($1,166.67/month, CPI-indexed min 3% annually) is payable to the Land Owner under the Ground Lease — not Woolong. Management fee (20% of gross rental) is payable to the approved operator under the Management Agreement — not Woolong. Operating costs (estimated $410/month) are at Borrower's cost.