ultra-clear

Ultra Clear

Are you self-employed >12 months or have different income streams, and have a default >2 years old? Your choice is Ultra Clear.

Make it

your way

clear

Clear

Our Clear product is perfect for anyone self-employed for more than six months.

Make it

clear & simple

near

Near

Suits applicants who have some credit impairment, arrears and receive an income outside of a bank’s rigid criteria.

Make it

back on track

land

Land

MKM will lend against the value of your land or partially built structure, to help owner occupants finish their build.

Make it

complete

expat

Expat

For Australian Citizens working and living overseas or Permanent Residents living in Australia with income from overseas.

Make it

ready for your return

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Make it

with mkm

We’re all on life’s journey. Whether you’ve recently started your own business, are building a place to call home, or making a living overseas, all of us are striving towards a happier, financially secure future. So if you’re looking for a lending partner to help you make the next step on your journey, make it with MKM.

We’re all on life’s journey. If you’re looking for a lending partner to help you make the next step on your journey, make it with MKM.

Customised loans to suit your needs.

Every scenario presents its own challenges, and we are motivated to ‘think outside the box’ to find the perfect solution for you. With our expertise and experience, we collaborate with our team and wider network, to deliver outstanding results.

Competitive rates to achieve your goals.

We use accurate, and efficient systems to ensure fast turnarounds. Our data-driven approach means we can explore flexible, innovative solutions, and our communication is clear, concise and transparent.

A proven track record. And a bright future.

We value enduring relationships so will always treat customers with integrity, accountability, and transparency. We understand how our work affects you: your professional reputation, financial stability and future success.

Customers we help

One day ABN

Assisting clients with start-up businesses or short term ABNs

Aussie expats

Australians citizens earning foreign income, living in Australia or overseas

Partially built/poor condition

Owner-builders who need funds to finish construction

Vacant land

We help self-employed clients purchase vacant land up to 75% LVR

All income types

Worker’s compensation, income protection, Centrelink, child-maintenance

Commercial

Shops, Offices, Medical, Factories, Warehouses and Mixed Use

Our products

Accepts ABNs > 12 months, 100% of all ongoing income (80% of rental), this product will appeal to borrowers who have been self-employed for 12 months or more. All defaults > 2 years ignored.

Accepts ABNs > 6 months, 100% of foreign and other income (80% of rental) this product will appeal to the newly self-employed and Aussie expats. All defaults > 2 years ignored.

For those clients with some defaults and arrears, we accept 100% of most income types, and for start-up businesses we accept one-day ABNs and newly registered GSTs.

Under this loan, MKM takes the value of the land or the partially built / poor condition securities. Owner-builders accepted. Valued at ‘as is’ – not end value.

This loan is for Australian Citizens working and living overseas or Permanent Residents living in Australia with income from overseas.

For loans that require individual consideration, MKM’s Specialised loan considers large defaults and arrears to find a workable solution for you and your client.

This is for company borrowers, company on title, excess builder’s stock, vacant land with DA potential. This product requires an accountant letter only for income.

For clients purchasing commercial security or re-financing, cash-out for a verified purpose. Acceptable securities are shops, offices, medical, factories, warehouse and mixed-use.

MKM takes a common-sense, practical approach to each loan application, to see the commitment and potential that other lenders miss.