K Direct - Direct Lending

1st Mortgage

8% p.a. - 12% p.a.
6 - 12 months

 2nd  Mortgage

1.5% p.m. - 2.5% p.m.
3 - 6 months

  • $500K – $5M per loan

  • Up to 70% LVR - residential property

  • Up to 65% LVR - commercial property

  • 24 hours approval

  • No credit scoring

  • Disbursed in 5 Business Days

  • No monthly fee and hidden charges

  • $500K – $2M per loan

  • Up to 80% LVR -residential property

  • Up to 75% LVR -commercial property

  • 48 hours approval

  • No credit scoring

  • Disbursed in 5 Business Days

  • No monthly fee and hidden charge


Email info@kbrz.com.au or dial  1300 588 978 or 400 997 1889

Up to 95% LVR loans

Non-residents loans

SMSF loans

Bad credit home loans 

Over AU$150 mil loans Australia wide

Fast approvals

Self managed Business Loan 

Incredible interest rates

How is KBRZ Different

At KBRZ we aim to distinguish ourselves with our speedy quote processing. To help clients enjoy greater profits, we are offering both 1st and 2nd mortgages for clients who need that extra bit of financial freedom. With options for higher LVR's* and highly competitive rates*, we aim to provide unique financial solutions that are tailored for our clients, all done through a fast and minimal hassle process. 

 -We are an industry recognised non-bank lender with proven track records
- We deliver with speed and efficiency to secure your business opportunities
- We tailor each funding solution to meet your unique needs
- We offer flexible terms with transparency, no hidden fee 

Best Interest Duty Policy (BID)

January 2021


The best interests’ obligations will apply to KBRZ Loans Pty Ltd “mortgage brokers”, a term which is now defined in the National Consumer Credit Protection Act 2009 (Cth) (Credit Act) as:

KBRZ Loans Pty Ltd BID covers ONLY any loan where the credit is provided wholly or predominantly for personal, domestics or household purposes, or to purchase, renovate or improve residential property for investment purposes, or to refinance credit previously provided for this purpose, including asset
finance to consumers. Noted, excludes business purpose loans.

  1. A credit licensee or credit representative who carries on a business of providing credit assistance in relation to credit contracts offered by more than one credit provider that are secured by mortgages over residential property.

  2. And does not perform the obligations or exercise the rights of a credit provider in relation to the majority of those credit contracts.

Key Points Of Best Interests Duty Regulations

  1. KBRZ Loans Pty Ltd must act in the best interests of consumers in relation to credit assistance and credit or loan contracts;

  2. Where there is a conflict of interest, N1 Loans Pty Ltd must give priority to consumers in providing credit assistance in relation to credit or loan contracts;

  3. KBRZ Loans Pty Ltd must manage conflicts of interest. When exists, disclose to customers and always give priority to their needs.

BID Expectations and Code of Conduct

  1. To comply with the Conflict Priority Rule (CPR)

  2. Resolve conflicts in the interest of the consumers, demonstrated by disclosure and articulation of consumers benefits

  3. To demonstrate transparency in providing information and recommendation to consumers

  4. To demonstrate knowledge, skills, and qualifications with the aim to deliver outstanding results for consumers

  5. To respect and maintain privacy

  6. To support communities and be environmentally responsible

Process to Meet BID


Gathering Information


Disclosure, Present information and Recommendations


​Educate and equip consumers to make informed decisions

  • Note: Making recommendations would typically involve suggesting that a consumer apply for a particular credit contract, and therefore involve       credit assistance, includes making recommendations or assisting a consumer to refinance an existing loan. Packaged Products Consideration

Recommendations to consumers should identify and consider, for each product within the package:

  1. How those products will meet the consumer’s needs, objectives, priorities and preferences.

  2. Whether (and why) suggesting the consumer take out that product, as part of a package, would be in the consumer’s best interests.

  3. Compare packaged products to standalone home loans without other packaged credit products such as credit card.

Promotional Offers

Promotional offers includes:

  • If the costs / savings of a promotional offer is quantifiable, this will need be considered as part of the cost analysis of the credit product.


Cash rebate or points rewards;


Waived or reduced fees; or


Discounted interest rate

Refinance Comparisons

Comparisons include:

  1. Cost Benefits analysis including total costs over the new loan term

  2. Detailed benefits from refinancing

  3. If benefits not quantifiable, the rationale must be clearly explained and justified