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Do you fund loans that include negative equity from a previous loan?

Our policy on funding negative equity differs between Commercial and Consumer lending.

Commercial Lending:

  • We do not fund negative equity. The loan amount cannot exceed the value of the new asset being financed to cover a shortfall on a trade-in.

Consumer Lending:

  • Negative equity may be considered on a case-by-case basis, provided the total loan amount (including the negative equity) fits within the maximum permissible Loan-to-Value Ratio (LVR) for the product.