Product: SmartLine (Small / Fast Capital)
Type: business
Max LVR: -%
Amount Range: $5,000 - $75,000
Max Term: 36 months
Rate: -
Contact: | contact@linecapital.co.nz
Purpose: refinance
Property Type: development
LVR: 55.0%
Amount: $11,000,000
Term: 12 months
Property Value: $20,000,000
Address: 39 Chamberlain Road, Massey, Auckland
| Filter | Result | Client Value | Lender Requirement | Note |
|---|---|---|---|---|
| Loan Type | Fail | refinance (development) | business | Client: refinance (development property), Product: business -> mismatch |
| LVR Limit | Pass | 55.0% | - | |
| Loan Amount | Fail | $11,000,000 | $5,000 - $75,000 | $11,000,000 > max $75,000 |
| Security Type | Pass | development | Any | |
| Credit Score | Pass | - | - | |
| Monthly Turnover | Pass | - | - | |
| Property Owner | Pass | Yes | Not required | |
| Borrower Type | Pass | - | Any |
| Dimension | Raw Score | Weight | Weighted Score | Visual |
|---|---|---|---|---|
| LVR Headroom | 50 / 100 | 25% | 12.5 |
|
| Data missing (client LVR or lender max LVR not set) -> default 50 | ||||
| Interest Rate | 50 / 100 | 25% | 12.5 |
|
| Interest rate not specified by lender -> default 50 | ||||
| Loan Amount Fit | 0 / 100 | 15% | 0.0 |
|
| Amount $11,000,000 exceeds max $75,000 by 14566.7%. Formula: max(0, 60 - 145.67 x 200) = 0. (Partial score for near-miss) | ||||
| Term Match | 100 / 100 | 15% | 15.0 |
|
| Client term 12mo / Lender max 36mo = ratio 0.333. Ratio in ideal range [0.3, 0.8] -> 100 | ||||
| Payment Flexibility | 50 / 100 | 10% | 5.0 |
|
| Payment types not specified by lender -> default 50 | ||||
| Turnaround Speed | 100 / 100 | 10% | 10.0 |
|
| Turnaround 24h (<= 24h) -> 100 (fastest tier) | ||||
| TOTAL | 100% | 55.0 |
|
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