Terms and Conditions

• Vendor Finance

MPF
For over 50 years Meriton has helped thousands of buyers secure their dream home through MPF. At Meriton we are able to assist clients in purchasing a Meriton apartment by offering a low-cost mortgage loan. Whether you are a resident or nonresident, investor or owner, MPF will gladly consider your application.

NSW interest rate

• Residential – 4.75% interest rate for 2 years (NSW comparison rate 4.85%, QLD comparison rate 4.87%), up to 90% lend

Why MPF?

• Unlike a traditional lender, MPF will offer up to 90% finance of the purchase price (not valuation) and also use 100% of your income to determine the highest borrowing capacity for each purchaser. Loans are approved prior to the exchange of contracts guaranteeing you finance upon completion, eliminating stress, and our borrowers always refinance with ease.
• No Stress! Your borrowing amount and interest rate are locked in prior to purchase.
• Off-the-plan certainty. Meriton finance approval is valid until settlement, which can be up to 24 months. Unlike Bank approvals that are only valid for 3 months
• No early discharge penalty fees
• No valuation fees
• No mortgage insurance payable
• No brokerage fees
• Our in-house finance team can approve loans within 2 business days, unlike banks who can take many weeks

What do they offer for local and overseas buyers?
MPF offers up to 90% of the purchase price on a fixed interest rate for 2 years on all NSW and QLD sites. Meriton combines competitive interest rates with no valuations or valuation fees, no mortgage insurance, no brokerage fees and no early payout penalty fees.

How it works
Once you have applied and your loan has been approved, the interest rate is fixed and the approval is valid until you are required to settle. Unlike a traditional lender, Meriton does not adjust the interest rate on any loan after it is approved. Once you have settled, loan interest payments are debited by direct debit from your nominated bank account on the first business day of each month. Pre-payment of monthly interest and lump sum principal reductions are allowable.

You may discharge your loan penalty-free at any stage. The loan period may be extended beyond the 2-year term, subject to Meriton’s absolute discretion and further terms and conditions.

What does it cost?
A fee of $1500 is required to be paid at time of lodging the application and all necessary documentation. This fee is refundable if the application is declined.

All information contained within this page is intended as a general introduction to MPF only and does not form an offer or contract. Information is accurate at publication date and may be subject to change. You are directed to rely on your own enquiries and to obtain independent financial advice as to the suitability of any products on offer. All applications for finance are subject to approval. Vendor finance is offered by MPF, ABN 36 101 180 607, Credit Licence 393461.

Finance rates:

• Residential – 4.75% interest rate for 2 years (NSW comparison rate 4.85%, QLD comparison rate 4.87%), up to 90% lend

The developer retains the right to revoke or vary the offer without notice. All information and prices are correct as of 8/7/2026.

• Disclaimer

The information provided by Black Swan Property Group, including but not limited to content on this website, webinars, emails, social media platforms, advertisements, marketing materials, and any other communications, is of a general nature only and is intended for informational and educational purposes.

It does not constitute legal, financial, taxation, or investment advice, and should not be relied upon as such. Any references to property investment, financing strategies, taxation outcomes, or potential returns are indicative only and may not be applicable to your individual circumstances.

Black Swan Property Group may introduce clients to third-party professionals, including mortgage brokers, legal practitioners, accountants, and other service providers. We do not provide these services directly and accept no responsibility or liability for any advice, services, or outcomes provided by such third parties.

Property investment involves risks, and past performance or projected outcomes are not guarantees of future results. You should undertake your own due diligence and seek independent advice from appropriately qualified professionals before making any financial or investment decisions.

To the maximum extent permitted by law, Black Swan Property Group disclaims all liability for any loss or damage arising directly or indirectly from reliance on any information provided through any of our communications.