Short-term finance, bridging loans, caveat loans, first and second mortgages, all short-term finance offered by Versara must be secured against
Real Property.

Real Property

All properties and land Australia wide regardless of construction, type or use will be considered. The maximum Loan to Value Ratio (LVR) we offer is 75%. LVR’s will be adjusted according to the type of security offered and where it is located. We will consider other forms of security on a case-by-case basis.

LVR Matrix


City Metro
5–10 km
from CBD

Greater Metro
5–10 km
from CBD

150–350 km
from CBD

350 km plus
from CBD

Residential House 75 75 60-70 60-65
Residential Unit 65-70 65-70 55-60 50-60
Rural Residential / Acreage NA NA 55 50
Commercial Offices / Suites 65-70 60-65 60 50
Industrial Warehouse 60-65 60 55 50
Vacant Land 50 50 50 50


All LVR ratios listed above are a guide only. Loan scenarios and proposed securities are assessed individually in accordance with Versara’s loan criteria. CBD above is defined as the Central Business District of a Metropolitan City. All current debts secured against the proposed security property are included when calculating the LVR. Partially Developed and other types of property not listed above will be considered on a case-by-case.

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