Bridging Reduced Interest Loan Terms and Conditions
Introduction
The promoter of this promotion (“the Offer”) is Assetline Capital Pty Ltd ACN 160 443 443 (Credit provided under AHC Finance Pty Limited ACN 161 006 846 Australian Credit Licence 448165) of Level 24, 101 Grafton Street, Bondi Junction NSW 2022.
Assetline Capital offers reduced interest rates to Eligible Applicants, subject to the terms and conditions of the Offer.
Eligible Applicants agree to be bound by these terms and conditions by applying for an Eligible Bridging Reduced Interest Loan.
Any Assetline Capitaloffers to Eligible Applicants remain in the absolute and sole discretion of Assetine Capital. Any application which is withdrawn will not be eligible for qualification despite resubmission.
Definitions
In these terms and conditions:
(a) Assetline Capital Pty Ltd ACN 160 443 443 (Credit provided under AHC Finance Pty Limited ACN 161 006 846 Australian Credit Licence 448165) includes any of its agents, contractors, subsidiaries and related parties from time to time;
(b) Applicant means the party named as a Borrower or Guarantor in respect to an application for a Bridging Reduced Interest Loan(s);
(c) Apply means you as an individual or co-borrower have applied via Assetline Capital, Broker or Other third-party channels and Assetline Capital has confirmed receipt of your application;
(d) Eligible Applicants means applicants that meet all the Eligibility Criteria as per the Eligibility Criteria section;
(e) Eligible Bridging Reduced Interest Loan means a Short-Term Loan agreement entered into by the Applicant to which this Offer applies and which meets the following eligibility parameters (the Eligibility Parameters):
Eligibility Parameters
Security Type: Residential, NSW, QLD, VIC Metropolitan securities (other security locations may be eligible)
Minimum Loan Size: $150,000.00
Maximum Loan Size: $7,500,000 (higher loans are available but not at the Lower Interest Rate)
Maximum loan to value ratio: 80%
Set up fee: 0.75%
Interest rate up to 70% LVR = 7.85% (Lower Interest Rate)
Interest rate is > 70% = 7.99%
Loyalty Rate from 6.34% (the rate applicable is the Horizon Rate at the time the Loyalty Rate is eligible)
Loan repayments capitalise in arrears during the bridging loan term but revert to standard principle and interest repayments during the Loyalty Rate period
(f) Lower Interest Rate means the lower or discount interest rate as defined under an offer for an Eligible Bridging Reduced Interest Loan.
(g) Bridging means a loan for a product listed as a consumer bridging product on the Assetline Capital website (https://assetline.com.au) as amended from time to time.
Eligibility Criteria
You are eligible to participate in this Offer if:
(a) You Apply from 1 April 2026;
(b) You are an Applicant in respect to the application(s);
(c) Your application(s) to Assetline Capital relates to one or more Eligible Bridging Reduced Interest Loan which satisfy the Eligibility Parameters; and
(d) You drawdown that Eligible Bridging Reduced Interest Loan(s) within 30 days from applying;
(e) Must settle before 30 June 2026 (exception permitted).
Operation of Reduced Interest Rate
The reduced interest rate does not apply to any extended period of the Eligible Bridging Reduced Interest Loan beyond its initial term. The Lower Interest Rate is fixed upon acceptance of the offer and will not be subject to renegotiation or further discounting during the loan term.
No Representations or Warranties
Except as required by law, Assetline Capital makes no representations or warranties with respect to this Offer or any benefits or entitlements under the Offer.
Taxes and Duties
You acknowledge and agree that you are solely responsible for any taxation liability you may incur in relation to your participation in the Offer or your Eligible Bridging Reduced Interest Loan, and any associated taxation implications.
Exclusions
Without limiting any other provision of these terms and conditions, this Offer is not available in connection with, or in addition to, any other Assetline Capital offer, promotion, rebate or benefit.
Variation and Termination
Assetline Capital may vary these terms and conditions from time to time, including by:
(a) adding, withdrawing or substituting any benefits available to you under the Offer;
(b) varying the reduction of the reduced interest rate under this Offer;
(c) varying the period to which this Offer applies;
(d) changing the eligibility criteria or requirements that must be met to receive benefit of the interest reduction.
Assetline Capital may terminate or withdraw this Offer at any time without prior notice.
Assetline Capital may reject, cancel, or reverse any benefit conferred from the grant of the interest reduction if it has reasonable grounds to believe that a person’s conduct or dealings with respect to an Eligible Bridging Reduced Interest Loan, the Offer or any other dealings with Assetline Capital may be fraudulent, misleading, deceptive, or in breach of any applicable law or regulation and may result in cancellation of the loan offer, legal action, or reporting to relevant authorities.
If you are not satisfied with any change or variation Assetline Capital makes to the Offer, you can terminate your participation at any time by providing written notice to Assetline Capital.
Other Matters
Assetline Capital reserves the right to disqualify any person who participates in the Offer but does not comply with these terms and conditions or who tampers with the Offer process.
Failure by Assetline Capital to enforce any of its rights at any stage does not constitute a waiver of those rights.
All applications for credit, are subject to Assetline Capital's credit approval criteria. Terms and conditions, fees and charges, and other eligibility criteria apply.
These promotional terms do not amend, override, or form part of the credit contract governing your Eligible Bridging Reduced Interest Loan. In case of any conflict, the credit contract prevails. To the extent of any inconsistency between these terms and conditions and the terms and conditions of your Eligible Bridging Reduced Interest Loan, the terms and conditions of your Eligible Bridging Reduced Interest Loan prevail.
Assetline Capital reserves the right to withdraw any benefit under this Offer if any information provided by the Applicant is found to be false, misleading, or incomplete.
Applicants must rely solely on written communications issued directly by Assetline Capital. Any verbal or informal representations by brokers or third parties are not binding on Assetline Capital.
Assetline Capital recommends that Applicants seek independent financial or tax advice before participating in this Offer.
These terms and conditions are governed by the laws of New South Wales, Australia. Any disputes arising in connection with this Offer shall be subject to the exclusive jurisdiction of the courts of New South Wales.
If any provision of these terms and conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
