Residential mortgages
Lending for first homes, family homes and investment property.
From 6.875%
Fixed-rate mortgage
Certainty for your household budget, with fixed payments over 15 or 30 years.
- No application fee
- Digital pre-approval in 24 hours
- Free rate lock for 60 days
From 6.125%
Flexible-rate mortgage
A lower initial rate for clients with a clear plan to move, repay or refinance.
- 5/1, 7/1 and 10/1 structures
- Caps protecting against rate shocks
- Refinance without penalty
From 7.125%
Private jumbo lending
Bespoke lending for high-value homes that sit outside conventional limits.
- Up to $10M in lending
- Relationship-based pricing
- Dedicated underwriting team
APR = Annual Percentage Rate. Rates shown are representative and subject to credit approval.
Personal & asset finance
Clear-purpose borrowing, with fees and repayment schedules agreed upfront.
From 5.49%
Vehicle finance
Finance new or pre-owned vehicles over terms up to 72 months.
Begin application
From 8.99%
Personal credit
Unsecured facilities up to $100,000, funded once verification is complete.
Begin application
From 7.75%
Property-backed credit
Access the equity in your property through a flexible revolving facility.
Begin application
How it works
A decision, then a plan
- Start with a conversation - we agree the purpose, structure and timeline
- Share documents securely - encrypted, need-to-know verification
- Receive a decision - most applications reviewed within two business days
- Draw funds - credited directly to your Quantessa account
Frequently asked questions
What credit score do I need to qualify?
Most Quantessa facilities begin at a 660 FICO score, with preferred pricing from 740+. If your profile needs work, we will tell you what would strengthen it.
How long does mortgage pre-approval take?
Once income and identity documents are verified, most pre-approvals are issued within 24 hours.
Are there prepayment penalties?
No. Quantessa mortgages and personal facilities may be repaid early without penalty.
Can I apply from outside the United States?
Yes. Cross-border lending is available to qualifying clients of our offices in New York, Toronto, London, Frankfurt, Singapore, Tokyo and Kuala Lumpur.
Structure credit around your plans
Model the numbers, then speak with a lending partner about structure and timing.