BC Capital
Comprehensive residential and commercial lending solutions
BC Capital is a non-bank lender and is a member of the BC Group, a fast growing diversified group with over $5bn Assets Under Management and over 180 staff occupying 11 offices in 7 countries around the world.
Our loan products are predominantly residential home loans aimed at Australian Expats, Foreign Investors, Non-Australian Residents and Australian Residents. These loans are fully funded by a mix of top tier banks and multi-institutional capital and are designed to meet the wide range of needs required by a diverse customer base.
BC Capital New Products for Australian Residents
BC Prime Full Doc - Investor Promo
Borrower Rate from 6.99% p.a.
Comparison Rate* from 7.46% p.a.
Salaried Investor Applicants Only
Up to 80% of LVR
BC Prime Full Doc
Borrower Rate from 6.83% p.a.
Comparison Rate** from 7.30% p.a.
Salaried and Self-employed Applicants
Up to 95% of LVR
BC Alt Doc
Borrower Rate from 7.19% p.a.
Comparison Rate*** from 7.65% p.a.
Self-employed Applicants
Up to 80% of LVR
BC Alt Doc Flex
Borrower Rate from 7.09% p.a.
Comparison Rate*** from 7.61% p.a.
Self-employed Applicants
Up to 80% of LVR
BC SMSF Residential
Borrower Rate from 7.19% p.a.
Corporate Trustee Only
Up to 90% of LVR
BC SMSF Commercial
Borrower Rate from 7.74% p.a.
Corporate Trustee Only
Up to 75% of LVR
BC SME - Residential Security
Borrower Rate from 7.75% p.a.
Self-employed, company or trust applicants
Up to 80% of LVR
BC SME - Commercial Security
Borrower Rate from 8.09% p.a.
Self-employed, company or trust applicants
Up to 75% of LVR
Key Features
Borrower type
Australian Residents
Repayment type
Principal and interest or interest only
Loan purpose
New purchase, refinance or equity release
Repayment method
Monthly repayments by direct debit from the borrowers Australian bank account
Interest Rate
Variable or fixed rate
Interest only period
A maximum of five years
Up to $3,000,000
Maximum loan
$50,000
Minimum loan
Up to 95%
Maximum LVR
30 years
Maximum loan term
Download Target Market Determination
We make borrowing simple
Our multilingual team will help guide your clients through each step of your application
Lodge application
Applicant works with a mortgage broker to complete and submit the application form and required documents.
Conditional approval
We review your application. Generally, we issue confirmation of loan acceptance within 48 hours.
Documents issued and signed
When all checks out, we will issue the formal loan approval and send you the documents for signing.
Settlement
Your settlement is finalised!
Calculators
Borrowing power
Calculate how much you can borrow. You’ll need your income and expenses to get an estimate.
Loan repayment
Calculate what your loan repayment will be and repayment frequency.
Stamp duty
Calculate a stamp duty depending on property location and the value of your the property.
BC Investment Group Holdings Limited (Company Registration Number MC-347321), its affiliates, subsidiaries, associated entities and any of their branches and offices (together or individually) are collectively referred to as the "BC Investment Group". BC Investment Group provides credit services across Asia Pacific and Europe. The information contained in this publication is for reference only and should not be treated as financial advice or an offer. This publication is not legally binding on any of the BC Investment Group entities. BC Investment Group reserves the right to refuse product offerings to any person for whatsoever reason at its absolute discretion.
*The Comparison Rate of BC Prime Promo is based on an investment-secured loan amount of AUD $150,000 at 60% LVR, over a term of 25 years. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This advertisement does not take into account your personal and financial situation. Terms, conditions, fees, charges and lending criteria apply and are available on application
**The Comparison Rate of BC Prime Full Doc is based on an owner-occupied secured loan amount of AUD $150,000 at 60% LVR, over a term of 25 years. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This advertisement does not take into account your personal and financial situation. Terms, conditions, fees, charges and lending criteria apply and are available on application.
***The Comparison Rate of BC Alt Doc and BC Alt Doc Flex is based on an owner-occupied secured loan amount of AUD $150,000 at 50% LVR, over a term of 25 years. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This advertisement does not take into account your personal and financial situation. Terms, conditions, fees, charges and lending criteria apply and are available on application.
Disclaimer: This information is not an offer of finance to any person and the delivery of this information to any person does not constitute an offer of finance that can be relied on. Any financing that may be provided by us to you will only be considered after we have received the required information from you and have conducted our own checks and assessments. We reserve the right to refuse to provide any financing to any person for whatever reason in our absolute discretion. Should there be any inconsistency between the English and the Chinese versions, the English version shall prevail.
BC Capital Australia Pty Ltd (BCCA)
ACN 614 198 480 | Australian Credit Licence Number 505452
BCCA is a member of the BC Investment Group Holdings Limited Group of Companies (BC Group)