BRIDGE LOAN YOUR OPTIMAL CHOICE Commercial Loan Construction Loan Residential Loan Second Mortgage Loan Our Services Residential Loan Catering to those looking to buy property in Australia and Australian residents having a fund gap or shortfall in a short period of time, lending against legally owned properties as security. Commercial Loan Rongqiao commercial loans offer financial support for businesses aiming to expand or undertake major investments like acquiring production equipment or property, through mortgages on their premises. Construction Loan Construction loans are suitable for developers and builders having a fund gap or shortfall for a short period of time during development and construction. In recent years, with the tightening of bank loans policy, Rongqiao offers more flexible financing solutions tailored to the specific needs of developers. Second Mortgage Loan We do take a 2nd mortgage as security, however these normally require a higher rate and often require the consent of the 1st mortgage holder's and sometimes a Deed of Priority to be entered with the 1st mortgage holder. If you require a 2nd mortgage loan, it is best to speak to our experienced team. Learn More Quick Settlement No success, no fee. Customized loan solutions 24-hour pre-approval Safe and reliable, fully transparent Funds disbursed in 72 hours Fast approval, funds quickly transferred. Loan Application Got Rejected Bank won't lend? Come to us！ All the big banks have said no, and all the second tier and specialist lenders are also struggling to meet your financing requirements? What to do now? Come to us! We are here to help! Apply Now Why Choose Us Customized Service Customer First Fast Approval Fully Transparent Personal Client Manager Who We Are Rongqiao Financial Group's Loan Investment Company Overseas Union Finance PTY LTD (ABN 68 082 155 557), holds a special operating license (ACL 405636) and an Australian financial license (AFSL 442901) issued by the Australian government. We are a mature company with a wealth of professional experience in local and cross border investments, our main products are OUF loans and funds. With an excellent track record in loan management and risk control experience, our dedicated loans team is committed to providing short-term mortgage bridge loans, construction loans and commercial loans to both Australians and oversea investors. We aim to solve the urgent needs of our customers by providing them with sufficient capital flow to achieve their goals. Our veterans in the funds' department have helped managed over billions of dollars, helping stimulate the Australia economy across multiple industries. Our motto to become the one-stop solution for personalised asset and financial management provides our customers with a unique customised experience. This fund provides our investors with an exceptional opportunity to participate in the Australian real estate market whilst ensuring generous returns on investments. About Us Successful Projects Property Address Eastwood，NSW，2122 Loan Amount $2,800,000 Approval Time 1 Day Loan Type Construction Loan LVR 60% Loan Term 12 Months After obtaining DA approval, our client swiftly secured low-cost building materials with our financial assistance, locking in prices before the rise in construction costs. They built four brand-new Duplexes, racing against time to control costs and achieve considerable profits. Property Address Hunters Hill, NSW, 2110 Loan Amount $3,600,000 Approval Time ​1 Day Loan Type Residential Loan LVR 55% Loan Term 12 Months Travel enthusiast Mr. Zhang faced an urgent property settlement notice after buying a waterfront mansion, needing completion in two weeks. Rongqiao Loans swiftly intervened with a unique loan solution, ensuring a smooth purchase and preventing a 10% deposit loss. Property Address Wagga Wagga, NSW, 2650 Loan Amount $3,250,000 Approval Time 2 Days Loan Type Commercial Loan LVR 60% Loan Term 12 Months Navigating complex commercial loan collateral, our team crafted tailored loan solutions, aiding our client's business in acquiring the property and facilitating rapid growth. Together, we propel your business to new heights with commercial loans. Learn More Events 04.12.2023 2023 Rongqiao Cup Tennis Grand Prix The ACTC Rongqiao Cup Chinese Tennis Grand Prix concludes successfully! After fierce battles on the court and thrilling excitement, the singles and doubles tennis feast comes to a perfect end. ​ 27.10.2023 2023 Rongqiao Cup Golf Elite Private Event The beginning of November marks a special day for Rongqiao Financial Group as we step towards an even more exciting future! At that time, we will host our annual extraordinary Golf Elite Private Event! 09.11.2023 Real Estate Elite Forum Rongqiao Financial Group cordially invites our members to attend our highly anticipated Australian Real Estate Elite Forum and the 2023 Annual Dinner! ​ 22.05.2023 Guan Wei Art Exhibition Rongqiao Financial Group invites you to explore the endless possibilities of art. Guan Wei's works blend tradition and modernity, with each painting telling a unique story. Join us for a feast of vision and thought! ​ 12.11.2023 2023 Rongqiao Youth Charity Golf Invitational 2023 Rongqiao Youth Charity Golf Invitational: Ignite dreams with the power of the swing, empowering charity. Youth strong, families thrive! ​ 29.10.2023 Cosyeasy Yacht Party Rongqiao Financial Group will lead you into an extraordinary yacht cocktail party, a meeting of quality and luxury. Together, under the setting sun, we will share unforgettable moments with our peers! 17.09.2023 2023 Sydney Marathon Running Group Chase your dreams with "Rongqiao Financial" on this vibrant and challenging Sunday, as the globally renowned Sydney Marathon reignites passion in the Southern Hemisphere! 14.05.2023 2023 Rongqiao Cup Provincial Tennis Tournament The 2023 Rongqiao Cup Provincial Tennis Tournament is on its way. It's not just about competition, but also showcasing skills and team spirit among players from different provinces. Learn More Brand Introduction of Rongqiao Financial Group Money Chain World Remittance Global Cross-Border Remittances in Major Currencies ARN IND100228861-001 Link Overseas Union Finance Short-term Mortgage Loans: Fast Approval, Instant Disbursement Franchise Business Loan License Number: 405636 Link Integer Retail Fund Investment and Financial Management Expert Franchise Financial Services License Number: 225397 Link Red Rate Exchange Expert in Currency Exchange for International Travel Franchise Financial License Number 386837 Link EZremit Alipay | WeChat | Bank Card Remittance Arrives in as Fast as 2 Minutes Link OUF Wealth Your Personal Home Finance Expert Link OUF Holdings Equity and Debt in Hand​ Link Ausvogar Capital Land Value-Driven Equity Structure Assets Specialized Financial Services License Number 400964 As Corporate Authorised Representative No.001269120 Link Omipay One-stop aggregated payment platform Authorized payment license number 495025 Link Loan Application Form Apply Now Investment Application Form Apply Now

Loan Application Form Overseas Union Finance Pty Ltd (ABN 68 082 155 557) holds a special operating loan license issued by the Australian government (ACL 405636). Its products mainly consist of Rongqiao Loans and Rongqiao Funds. The company adheres to the business philosophy of "Professionalism, Integrity, Flexibility, Simplicity, and Win-Win", leveraging its platform to aggregate resources, select high-quality projects, enhance value professionally, and open up value-added space. Commercial Loan Construction Loan Residential Loan Second Mortgage Loan Name Email Phone The type of loan you are inquiring about? Submit

Your loan application has been successfully submitted! ​ Thank you for choosing our services. Our team will process your application as soon as possible and reach out to you at the earliest convenience. If you have any questions or need further assistance, please feel free to contact us. Once again, thank you for your trust and support! ​ Wishing you all the best!

Commercial Loan Rongqiao commercial loans are tailored for business borrowers aiming to expand their operations or undertake significant investment activities, such as purchasing production equipment, office spaces, warehouses, etc. These loans provide financial support by leveraging the borrower's business premises or properties owned by the borrower as collateral. View Other Services What is a commercial loan? A commercial loan refers to a loan provided to businesses or merchants for purposes such as working capital, expansion, purchasing equipment, improving infrastructure, and other commercial activities. The characteristics of commercial loans include: Purpose-specific: The use of commercial loans is typically limited to business activities, such as expanding operations, acquiring fixed assets, or supplementing working capital. Diverse terms: Commercial loan terms vary widely depending on the type of loan and its purpose, ranging from a few months to 18 months. Larger amounts: Compared to personal loans, commercial loans typically involve larger amounts to meet the needs of businesses. Collateral requirement: To mitigate risk, we require businesses to provide real estate collateral. Commercial real estate mortgage If you need to purchase commercial real estate or already own commercial property that requires renovation, expansion, or refinancing, you can contact us to customize a loan solution tailored to your needs. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Wagga Wagga, NSW, 2650 Loan Amount $3,250,000 Approval Time 2 Days Loan Type Commercial Loan LVR 60% Loan Term 12 Months The complexity of commercial loan collateral requires a tailored approach. Our team customizes commercial loan solutions, assisting businesses in acquiring properties and achieving rapid growth. Let's join hands, and our commercial loans will propel your business to new heights. Property Address Cobbitty, NSW, 2570 Loan Amount $42,000,000 Approval Time 3 Days Loan Type Commercial Loan LVR 50% Loan Term 12 Months / Property Address St Kilda, VIC, 2219 Loan Amount $4,500,000 Approval Time 2 Days Loan Type Commercial Loan LVR 60% Loan Term 12 Months / Property Address Miranda, NSW, 2228 Loan Amount $1,200,000 Approval Time 1 Day Loan Type Commercial Loan LVR 58% Loan Term 12 Months / Learn More Rongqiao Loan Application Form Apply Now

Overseas Union Finance We provide comprehensive and professional financial solutions with a sincere service attitude, tailoring the best investment plan based on your specific circumstances. About Us Overseas Union Finance Pty Ltd (ABN 68 082 155 557) holds a special operating loan license issued by the Australian government (ACL 405636). Its products mainly consist of Rongqiao Loans and Rongqiao Funds. The company adheres to the business philosophy of "Professionalism, Integrity, Flexibility, Simplicity, and Win-Win", leveraging its platform to aggregate resources, select high-quality projects, enhance value professionally, and open up value-added space. The management team of OUF Loan possesses years of mature experience in local loan management and risk control in Australia, dedicated to providing short-term property mortgage bridge loans, construction loans, and commercial loans to local residents and overseas investors in Australia, while offering financing and credit services to enterprises. Rongqiao Loans always adheres to innovative concepts, breaking traditional barriers, quantifying risk control, and overall platform management, providing customers with open and personalized product customization. We cherish every customer's trust and strive to provide high-quality credit services with a focus on instant, secure, professional, flexible, and efficient concepts, aiming to reduce your financing costs and improve financing convenience while delivering high-quality financial services. ​ OUF Fund has partnered with several renowned financial institutions and fund companies in Australia, managing billions of Australian dollars in funds jointly. Different from traditional financial institutions, we start from the customer's standpoint and provide professional selection, asset allocation, and investment management services for various investment products such as commercial and residential real estate from an independent and objective perspective. We aim to create satisfactory investment returns for investors and achieve deep integration of resources. By investing in Rongqiao Fund, investors can participate in the investment opportunities of Australian real estate bonds and share the returns from Australian property investments. We Believe Integrity Professionalism Flexibility Fast Win-Win Customization Company Address Sydney, NSW (Head office) ： Suite36.04 201 Elizabeth, Street, Sydney NSW 2000 Events 19.05.2024 2024融侨杯华人网球省际赛 由融侨金融集团冠名赞助的与澳洲华人网球会一年一度的团体赛：ACTC融侨杯华人网球省际赛在风景如画的Parramatta如期举行并获得圆满成功！ 12.11.2023 2023融侨青少年慈善高尔夫邀请赛 2023年融侨青少年慈善高尔夫邀请赛，用挥杆的力量点燃梦想，为慈善助力 少年强 家族盛！ 04.12.2023 2023融侨杯华人网球大奖赛 ACTC融侨杯华人网球大奖赛圆满收官！鏖战赛场，激荡激情，单双人网球盛宴完美收尾。 27.10.2023 2023融侨杯高尔夫精英私享会 11月伊始，是融侨金融集团迈向更精彩未来的特别日子！届时，我们将在举办一年一度精彩非凡的高尔夫精英私享会！ Learn More

Successful Projects We have helped tens of thousands of clients achieve their financial goals Past Loan Projects Property address Eastwood，NSW， 2122 Loan amount $2,800,000 Approval Time 1 Day Loan type Construction Loan LVR 60% Loan term 12 months After obtaining DA approval, our client swiftly secured low-cost building materials with our financial assistance, locking in prices before the rise in construction costs. They built four brand-new Duplexes, racing against time to control costs and achieve considerable profits. Property address East Killara, NSW, 2071 Loan amount $3,200,000 Approval Time 1 Day Loan type Residential loan LVR 40% Loan term 6 months / Property address Cobbitty, NSW, 2570 Loan amount $42,000,000 Approval Time 3 Days Loan type Commercial loan LVR 50% Loan term 12 months / Property address West Pennant Hills , NSW, 2125 Loan amount $3,200,000 Approval Time 1 Day Loan type Construction loan LVR 55% Loan term 12 months / Property address Bellevue Hill, NSW, 2023 Loan amount $3,500,000 Approval Time 1 Day Loan type Second Mortgage LVR 55% Loan term 3 months / Property address Hunters Hill, NSW, 2110 Loan amount $3,600,000 Approval Time 1 Day Loan type Residential Loan LVR 55% Loan term 12 months Travel enthusiast Mr. A faced an urgent property settlement notice after buying a waterfront mansion, needing completion in two weeks. Rongqiao Loans swiftly intervened with a unique loan solution, ensuring a smooth purchase and preventing a 10% deposit loss. Property address Lindfield, NSW, 2070 Loan amount $2,000,000 Approval Time ​1 Day Loan type Residential loan LVR 45% Loan term 6 months / Property address St Kilda, VIC, 2219 Loan amount $4,500,000 Approval Time 2 Days Loan type Commercial loan LVR 60% Loan term 12 months / Property address Yatala, QLD, 4207 Loan amount $1,800,000 Approval Time 1 Day Loan type Construction loan LVR 50% Loan term 12 months / Property address Woolwich, NSW, 2110 Loan amount $1,800,000 Approval Time 1 Day Loan type Second Mortgage LVR 40% Loan term 6 months / Property address Wagga Wagga, NSW, 2650 Loan amount $3,250,000 Approval Time 2 Days Loan type Commercial Loan LVR 60% Loan term 12 months Navigating complex commercial loan collateral, our team crafted tailored loan solutions, aiding our client's business in acquiring the property and facilitating rapid growth. Together, we propel your business to new heights with commercial loans. ​ Property address Oatley, NSW 2223 Loan amount $890,000 Approval Time ​3 Hours Loan type Residential loan LVR 60% Loan term 9 months / Property address Miranda, NSW 2228 Loan amount $1,200,000 Approval Time 1 Day Loan type Commercial loan LVR 58% Loan term 12 months / Property address Greenacre, NSW 2190 Loan amount $2,600,000 Approval Time 1 Day Loan type Construction loan LVR 60% Loan term 12 months / Past Investment Cases Property address Tarneit VIC 3029 Return on investment 8%pa Property introduction: The land is located on the outskirts of Tarneit, on the Melbourne Metropolitan West Growth Corridor, about 26 kilometres from Melbourne’s central business district. The southern part of the Tarneit district mainly develops the residential industry. It is one of the fastest-growing areas in Melbourne. It is close to all the conveniences of Werribee and Hoppers Crossing, and you can reach the harbour in a short drive. With the migration of Melbourne, the future development potential is great, and it is loved by investors. LVR 54% Property address Macquarie Park, NSW 2113 Return on investment 8%pa Property introduction: The property is located in the northern suburbs of Sydney, 15 kilometres from the center of Sydney. It is only 10 minutes from Macquarie’s shopping mall and Woolworths supermarket. The surrounding life has convenient transportation and is favored by housing investors. LVR 54% Property address Merrylands, NSW 2160 Return on investment 8%pa Property introduction: Located in the west of Sydney, about 26 kilometres from the city center, it belongs to the Holroyd Council. Together with Parramatta and Granville, it constitutes the "three hot spots in the west" of the Sydney property market. The transportation is convenient and the infrastructure is perfect. It takes only 5 minutes to drive to the largest shopping center in Merrylands and 2 minutes to drive to the nearby Holroyd Private Hospital. The park has a high green area. LVR 60%

Second Mortgage Loan Second Mortgage Loan are loans obtained on already mortgaged properties. Repayment of the second mortgage loan falls behind the first mortgage loan in priority. Therefore, the risk is higher, usually resulting in higher interest rates compared to the first mortgage loan. View Other Services What is a second mortgage loan? A second mortgage loan refers to a financing method where a property is used as collateral for a loan again, while there is already an existing mortgage loan on the property. Typically, the first loan is referred to as the first mortgage, and any subsequent loan taken out on the same property is called a second mortgage. If your property is already being used as collateral for a bank loan and you need additional financial support, we can still assist you. Contact us, and let us tailor a solution for you. Characteristics of a second mortgage loan: Subordinate priority: In the distribution of proceeds from the sale of the property, repayment of the second mortgage loan has a lower priority than the first mortgage loan. This means that in the event of default, the lender of the first mortgage loan will be repaid before the lender of the second mortgage loan. Higher interest rates: Due to the lower repayment priority of the second mortgage loan and the higher associated risk, its interest rates are usually higher than those of the first mortgage loan. Flexible use: Second mortgage loans can be used for various personal financial needs, providing greater flexibility. Additional debt burden: Second mortgage loans increase the borrower's total debt burden, which may affect the individual's financial situation. A third mortgage loan A third mortgage loan, also known as a third lien mortgage, refers to the establishment of a third mortgage lien on the same property. This type of loan arrangement occurs after the first (first lien) and second (second lien) mortgage loans, giving the lender the third priority right in the distribution of proceeds from the sale of the property. Apply Now ​Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Bellevue Hill, NSW, 2023 Loan Amount $3,500,000 Approval Time 1 Day Loan Type Second Mortgage LVR 55% Loan term 3 Months / Property Address Woolwich, NSW, 2110 Loan Amount $1,800,000 Approval Time 1天 Loan Type Second Mortgage LVR 40% Loan Term 6 Months / Learn More Rongqiao Loan Application Form Apply Now

Residential Loan Mainly serving non-overseas individuals looking to purchase property in Australia, or Australian residents facing short-term cash flow problems unable to obtain loans from banks. Loans are obtained by mortgaging properties with legal ownership and control rights. View Other Services What is a bridge loan? A bridge loan is a short-term loan, typically with a term not exceeding one year, used to bridge the gap in funds between selling an old property and purchasing a new one. This type of loan allows homebuyers to efficiently upgrade to a new property before selling their current residence. Characteristics of bridge loans: Short-term Nature: Bridge loans typically have short terms, ranging from a few months to a year. High Interest Rates: Due to their short-term and higher risk nature, bridge loans generally carry higher interest rates compared to traditional mortgage loans. Quick Access to Funds: Bridge loan approval and funding processes are fast, aiding in expedited home purchases. Cash Flow Assistance: Helps address cash flow issues when selling old property and purchasing new ones, enabling buyers to seize market opportunities. When might you need a bridge loan? You have found your ideal new home, but your current residence has not been sold yet. There is an unmissable buying opportunity in the market that requires immediate action. The seller demands a quick transaction, but your funds are not yet available. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Hunters Hill，NSW，2110 Loan Amount $3,600,000 Approval Time 1 Day Loan Type Residential Loan LVR 55% Loan Term 12 Mouths Our esteemed client, Mr. A, is an avid traveler. Recently, he set his sights on a waterfront mansion in Hunters Hill, which he immediately fell in love with and promptly signed a contract, putting down a 10% deposit. To celebrate his new home purchase, he decided to venture into the ocean, immersing himself in the holiday sun and relaxation. However, after the dreamy vacation, Mr. Zhang unexpectedly received a special "Christmas gift" – a notice to complete from the seller's lawyer. Shockingly, he was required to complete the purchase within a mere two weeks! Mr. Zhang instantly felt the thrill and excitement of adventure. But he refused to succumb to the challenge. He swiftly assembled a formidable team – Rongqiao Loans. Our team responded promptly, crafting a unique loan solution for him, swooping in like superheroes, and resolving his home-buying dilemma just in time. At the critical moment, we not only provided fast pre-approval but also swiftly submitted the necessary documents, ensuring Mr. Zhang completed the purchase on schedule before the completion deadline, perfectly avoiding the risk of losing his 10% deposit. This was not just a home purchase; it was an adventure. In this journey filled with unknowns, having a powerful financial partner was like having a guide for Mr. Zhang, leading him from the comfort of vacation to the transformation into a homeowner with dreams fulfilled. Property Address East Killara, NSW, 2071 Loan Amount $3,200,000 Approval Time 1 Day Loan Type Residential Loan LVR 40% Loan Term 6 Months / Property Address Lindfield, NSW, 2070 Loan Amount $2,000,000 Approval Time 1 Day Loan Type Residential Loan LVR 45% Loan Term 6 Months / Property Address Oatley，NSW，2223 Loan Amount $890,000 Approval Time 3 hours Loan Type Residential Loan LVR 60% Loan Term 9 Months / Learn More Rongqiao Loan Application Form Apply Now

RongQiao Finance Management With security and safety as our main investment concerns, we are able to provide a high return with perfectly managed risks. Wealth consultation Investment management Asset Management Customized service Historical average annual return of 6%* ​​ *Past performance is for illustrative purposes only, not a reliable indicator of future performance Professional risk control team, Priority mortgage guarantee Controllable risks High returns Quarterly interest payment Protecting investments with the guarantee of collateral. Able to withdraw investments at any time. * ​ * If you exit early before the product expires, Investors need to inform our company one month in advance High liquidity Short payback period Project Flow Project Application ​​ After submitting the application form online, A fund specialist will contact you. Project matching ​ Projects will be matched according to your financial situation, financial goals and risk appetite. Gain ​​ Deposit your investment income to Your designated account. Apply Now

Rongqiao Events Explore our journey of excellence in the financial field, where each event embodies our commitment to excellence and innovation, bringing not only business insights but also unforgettable social experiences to our clients and partners. 19.05.2024 2023 Rongqiao Cup Tennis Grand Prix The ACTC Rongqiao Cup Chinese Tennis Grand Prix concludes successfully! After fierce battles on the court and thrilling excitement, the singles and doubles tennis feast comes to a perfect end. 04.12.2023 2023 Rongqiao Cup Tennis Grand Prix The ACTC Rongqiao Cup Chinese Tennis Grand Prix concludes successfully! After fierce battles on the court and thrilling excitement, the singles and doubles tennis feast comes to a perfect end. 12.11.2023 2023 Rongqiao Youth Charity Golf Invitational 2023 Rongqiao Youth Charity Golf Invitational: Ignite dreams with the power of the swing, empowering charity. Youth strong, families thrive! 27.10.2023 2023 Rongqiao Cup Golf Elite Private Event The beginning of November marks a special day for Rongqiao Financial Group as we step towards an even more exciting future! At that time, we will host our annual extraordinary Golf Elite Private Event! 29.10.2023 Cosyeasy Yacht Party Rongqiao Financial Group will lead you into an extraordinary yacht cocktail party, a meeting of quality and luxury. Together, under the setting sun, we will share unforgettable moments with our peers! 09.11.2023 Real Estate Elite Forum Rongqiao Financial Group cordially invites our members to attend our highly anticipated Australian Real Estate Elite Forum and the 2023 Annual Dinner! ​ 17.09.2023 2023 Sydney Marathon Running Group Chase your dreams with "Rongqiao Financial" on this vibrant and challenging Sunday, as the globally renowned Sydney Marathon reignites passion in the Southern Hemisphere! 22.05.2023 Guan Wei Art Exhibition Rongqiao Financial Group invites you to explore the endless possibilities of art. Guan Wei's works blend tradition and modernity, with each painting telling a unique story. Join us for a feast of vision and thought! ​ 14.05.2023 2023 Rongqiao Cup Provincial Tennis Tournament The 2023 Rongqiao Cup Provincial Tennis Tournament is on its way. It's not just about competition, but also showcasing skills and team spirit among players from different provinces.

Become a Preferred Partner: Expand Your Service Offering If you have abundant high-quality customer resources, we warmly welcome you to discuss win-win cooperation with us. If your clients require customized loan solutions, you can also refer them to us to earn generous commissions. Get in Touch Our Services ​Residential Loan Catering to those looking to buy property in Australia and Australian residents facing short-term financial challenges, offering loans against legally owned properties. Commercial Loan Rongqiao commercial loans offer financial support for businesses aiming to expand or undertake major investments like acquiring production equipment or property, through mortgages on their premises or owned assets. Construction Loan Construction loans are suitable for developers facing short-term cash flow issues during development and construction. In recent years, with the overall tightening of bank loans, Rongqiao offers more flexible financing solutions tailored to the specific needs of developers. Subprime Loan A second mortgage is a loan taken out on a property that is already mortgaged. The repayment of this loan is prioritized after the first mortgage. Consequently, it carries a higher risk and usually has a higher interest rate compared to the primary mortgage loan. Learn More High Commissions Earn Generous Commissions with Successful Referrals No Additional Work Required We Can Assist You in Communicating with Clients to Obtain Documents Fast Commission Payments Fast Commission Payment Upon Deal Closure Full Transparency Real-Time Updates on Loan Progress Get in Touch Now View Our Services Who We Are Rongqiao Financial Group's Loan Investment Company Overseas Union Finance PTY LTD (ABN 68 082 155 557), holds a special operating license (ACL 405636) and an Australian financial license (AFSL 442901) issued by the Australian government. We are a mature company with a wealth of professional experience in local and cross border investments, our main products are OUF loans and funds. With an excellent track record in loan management and risk control experience, our dedicated loans team is committed to providing short-term mortgage bridge loans, construction loans and commercial loans to both Australians and oversea investors. We aim to solve the urgent needs of our customers by providing them with sufficient capital flow to achieve their goals. Our veterans in the funds' department have helped managed over billions of dollars, helping stimulate the Australia economy across multiple industries. Our motto to become the one-stop solution for personalised asset and financial management provides our customers with a unique customised experience. This fund provides our investors with an exceptional opportunity to participate in the Australian real estate market whilst ensuring generous returns on investments. About Us 01 24-hour Pre-approval, 72-hour Disbursement One of our core advantages is our ability to swiftly respond to customer needs and provide a rapid approval process. In this fiercely competitive market, we understand that time is money. Therefore, we employ optimized processes to ensure you and your clients can obtain loan approval in the shortest possible time, accelerating the transaction process. 02 Transparent Communication and One-on-One Service We promise to deliver comprehensive transparency in our services. From loan application to final approval, you will be fully informed about every step of the process. Our team is committed to maintaining open communication channels, ensuring you receive adequate information support at every stage, empowering you and your clients to make well-informed decisions with confidence. 03 Customized Loan Solutions We understand that each customer's needs are unique, which is why we offer customized loan solutions to meet various business and personal requirements. Our team works closely with you to understand your specific circumstances and designs the most suitable loan package to help you achieve business growth and customer satisfaction. Partnership Application Form Become Our Partner First Name Last Name Email Phone Leave us a message... Submit

​Construction Loan Construction loans are suitable for developers who encounter short-term liquidity issues during development and construction, such as the need for working capital. In recent years, bank loans have generally tightened. Rongqiao Financial Group provides more flexible financing solutions based on the specific needs of developers.。 View Other Services What is a construction loan? A construction loan, also known as a development loan, is specifically designed to finance new construction projects or large-scale renovation projects. These loans are typically used for the construction of residential, commercial, or industrial properties. If you already own a piece of land and are planning to develop it, requiring financial support, feel free to contact us at any time to discuss loan options. Characteristics of construction loans: Short-term: Construction loans are typically short-term, with loan terms usually around one year, which is sufficient to complete the construction project. Staged disbursement: Loan funds are not disbursed all at once but released in stages based on the progress of the project. Interest payment method: During the construction period, borrowers typically only need to pay interest, while the repayment of the principal begins after the construction is completed. Considerations when applying for a construction loan: Project budget: Ensure that the project budget is detailed and realistic, including all expected construction costs and additional expenses. Construction plan: Detailed construction schedules and plans need to be provided to demonstrate the feasibility and expected progress of the project. Borrower qualifications: Our risk management department will assess the borrower's (usually developers or individual investors) credit history, financial status, and project experience. Real estate and construction permits: The project must have proper land use rights and all necessary construction permits. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Eastwood，NSW，2122 Loan Amount $2,800,000 Approval Time 1 Day Loan Type Construction Loan LVR 60% Loan Term 12 Months In the past two years, the construction industry has been hit by waves of material price increases, becoming an economic storm that has left countless builders in despair. Amidst this crisis, many builders face a difficult choice: whether to pay material deposits in advance to lock in lower prices. However, the cumbersome approval process and lengthy disbursement period of bank loans fail to meet the urgent needs of the industry. Six months ago, a builder constructing duplexes in the bustling Eastwood area sought our assistance at Rongqiao Loans. Facing the urgent need for funds, we provided efficient approval within 24 hours and disbursed funds within a week, ensuring that the construction progress was not hindered. With the support of Rongqiao Loans, the builder not only locked in materials at lower prices but also swiftly initiated the next phase of the project and purchased an adjacent plot of land. They said: Rongqiao Loans gave them the confidence to complete the project! At a critical moment, we are not just a platform providing funds but also a strategic partner you can trust. Recently, a builder successfully auctioned off two duplexes constructed with Rongqiao's financial support at a high price. They not only gained substantial profits from the project but also quickly embarked on the next project—constructing on another adjacent plot of land. Once again, the builder chose Rongqiao Loans, and we successfully prepared funds within an urgent timeframe, living up to expectations with professional and swift service, becoming a reliable assistant in the builder's career development. Rongqiao Loans takes pride in meeting clients' rapid and flexible financing needs. We not only provide swift financial support but also prioritize establishing long-term cooperative relationships with clients, safeguarding their business development. We tailor loan solutions to your specific needs. Through our services, builders not only gain substantial profits from projects but also share in our mutual success.Rongqiao Loans looks forward to joining hands with you to create a brilliant future. If you have similar funding needs, we will always provide professional and efficient services to help your business soar. Property Address West Pennant Hills , NSW, 2125 Loan Amount $3,200,000 Approval Time 1 Day Loan Type Construction Loan LVR 55% Loan Term 12 Months / Property Address Yatala, QLD, 4207 Loan Amount $1,800,000 Approval Time 1 Day Loan Type Construction Loan LVR 50% Loan Term 12 Months / Property Address Greenacre, NSW, 2190 Loan Amount $2,600,000 Approval Time 1 Day Loan Type Construction Loan LVR 60% Loan Term 12 Months / Learn More Rongqiao Loan Application Form Apply Now