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Thinktank Residual Stock Loan

Short-term private loan for property developers secured by unsold completed residential or commercial stock.

Specialist & Private FinanceNon-Cashflow / Asset-Backed FinanceVia broker
Source dated 24 Sept 2026
Amount
Not published
Term
Up to 3 yrs
Rate
Rate available on application
Max LVR
Varies
Enquire about this product

Product details

As published by Thinktank. Details not published by the lender are marked.

Rate
Rate available on applicationThinktank publishes its pricing to accredited brokers only, so rates are not shown here. A broker can confirm the rate for your scenario.
Maximum LVR
VariesSet by documentation, security type and location. Confirmed by the lender on application.
Occupancy
Developer residual stock
Rate type
Variable
Term
Up to 3 yrs
Security
Property-secured
Structure
Short-term loan
Fees
Establishment fee as set out in the letter of offer · Discharge $1,000 plus legal fees
Repayment frequency
Monthly
Credit policy
An exit strategy is required
Not accepted
Credit impaired lending · Construction or development funding · Aged care or nursing homes · Highly specialised properties such as service stations, churches, theatres or airports · Postcodes with a population under 10,000 people · Personal use
How to apply
Through a broker or the lender's relationship managers
Not published by Thinktank
loan amount, early repayment, time trading, turnover, documents, guarantees, funding time
Suitable purposes
Cash flowRefinance

About Residual Stock Loan

Thinktank publishes these details for Residual Stock Loan: structure short-term loan; term up to 3 yrs; security property-secured; maximum LVR varies; suitable purposes cash flow, Refinance. Not published by Thinktank for this product: loan amount, time trading, turnover, documentation, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Thinktank products

  • Private Commercial Loan: Loan amount is published for Private Commercial Loan ($100K to $7.5M) but not for this product; term is up to 3 yrs here and 3 mths to 3 yrs for Private Commercial Loan; maximum LVR is varies here and up to 75% for Private Commercial Loan; documentation is published for Private Commercial Loan (self-certified income with supporting documentation, or self-certified income with an exit strategy) but not for this product.
  • Private Residential Loan: Loan amount is published for Private Residential Loan ($100K to $7.5M) but not for this product; term is up to 3 yrs here and 3 mths to 3 yrs for Private Residential Loan; maximum LVR is varies here and up to 75% for Private Residential Loan; documentation is published for Private Residential Loan (self-certified income with supporting documentation, or self-certified income with an exit strategy) but not for this product.
  • Private Vacant Land Loan: Thinktank publishes maximum LVR (varies) for this product but not for Private Vacant Land Loan; suitable purposes is cash flow, Refinance here and something else for Private Vacant Land Loan.
  • Commercial Full Doc Loan: Structure is short-term loan here and term loan for Commercial Full Doc Loan; loan amount is published for Commercial Full Doc Loan ($100K to $10M) but not for this product; term is up to 3 yrs here and up to 30 yrs for Commercial Full Doc Loan; maximum LVR is varies here and up to 80% for Commercial Full Doc Loan.

Maximum LVR by scenario

LVR is set per scenario, not per lender. These are the limits Thinktank publishes; your final LVR is confirmed on application.

DocumentationLoan amountSecurityLocationMax LVR
AnyAny amountAnyPostcodes under 10,000 peopleNot accepted

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