Private Lender for Real Estate and Property Investors

Yes. We can lend across several properties in one loan, with the 70% limit worked out across their combined value, and our loan repays the bank at settlement. A vacant property is valued as it stands, so it may count for less than it did while the tenant was paying rent. Ask the bank for a written payout figure and send it to us with the address and current rent of each property. If selling one of them is part of the plan for repaying us, tell us which one, because that sale can reduce the loan.

• →Refinancing a lender that has issued a default notice or appointed a receiver

About $840,000. Our limit is 70% of the value across every mortgage on the properties offered: 70% of $4,200,000 is $2,940,000, which leaves $840,000 after the $2,100,000 owing. We would sit in second position behind both banks, so their loans and rates stay where they are. Send us the four addresses and the current balances and we can confirm the figure against our own valuations.

• →Second mortgage finance

Yes, where the numbers fit. A first mortgage over the house the company is buying can lend up to 70% of its value, $1,120,000 on a $1,600,000 value, and the balance owing at settlement is $1,440,000 after the $160,000 deposit. The remaining $320,000, plus stamp duty, can come from a second mortgage over one of the company's existing properties, inside the same 70% limit. The company's existing bank loans stay as they are, and the loan is repaid by a refinance to a longer-term lender or a sale.

Yes. $310,000 is above our $250,000 minimum, and a second mortgage over one investment property can provide it without disturbing the bank loan already on that property. The loan funds are paid to the company that owns the properties, which pays the assessments. Tell us how the loan will be repaid, for example from rents over the following months, a refinance or a planned sale, because that exit sets the term.

No. Our in-house valuation team values the property directly, so the loan is sized at 70% of our figure rather than the bank's. Our figure may still come out close to the bank's. Send us the bank's valuation report anyway, along with the leases and the rent roll for the building, because it shows us what the bank relied on.

Yes. The company is the borrower and your unit secures the loan. 70% of $900,000 is $630,000, which leaves about $280,000 from the unit alone after the $350,000 owing, and a second mortgage keeps the fixed rate in place. The property you buy can also secure the loan at settlement, which raises the amount available. Call us before Saturday with both addresses and we can give you a decision in hours.

• →Urgent auction purchase loans

Yes. The five units are residential property the company owns, and a first or second mortgage over them can secure a $300,000 loan, inside 70% of their combined value after anything already owing. The company receives the funds and pays the levy. The exit is usually a refinance once the works are finished or the sale of one of the units, and the term is set to whichever applies.

It can. A vacant commercial building is still property we lend against, and our in-house team values it as it stands, vacant. The loan is sized at 70% of that value, less anything owing, and repaid by a refinance once a new lease is signed or by a sale. If you already have a prospective tenant or a draft lease, send it with the enquiry, because it shows us the exit.

Yes. A bridging loan secured by the two units, and if needed the townhouses you are buying, can fund the settlement, and the sale of the units repays it. Terms run from 1 to 24 months, so the term can be set to the time the sale is likely to take, with room for a slow campaign. List the units on your own timeline rather than selling cheaply to meet the settlement date.

• →Bridging loans

It has to be property. We do not take a rent roll as security; the loan is secured by a first or second mortgage over a home, investment or commercial property owned by the agency, a director or a family trust. The agency is the borrower, receives the loan funds and pays the ATO in full itself. A tax debt on its own is not a reason we decline.

• →Tax debt loans

Yes. We can refinance the three loans in one facility, inside 70% of the combined value, with the sale of the one property as the exit that reduces it. Call us now rather than in the last two weeks, because the payout figures and the discharge paperwork from the current lender take time. The remaining balance can then go to a longer-term lender on your timeline.

• →Refinance business loans

No. We are a business purpose lender, exempt from the NCCP Act. We do not write owner-occupier home loans, we do not fund first home buyers, and we do not lend to individuals in their personal name for personal, domestic or household purposes. Our lending is to investors and businesses borrowing for a business or investment purpose, most commonly through a company, trust or SMSF.

Yes. Cross-collateralised facilities across multiple securities are a natural fit for property-rich borrowers and we write them regularly. Residential, commercial and mixed-use assets can sit in the same facility, in first or second position, and our in-house valuation team assesses the whole position at once rather than sending each title to an external valuer.

No. It is the most common reason an established investor comes to us. A serviceability model and an exposure cap are policy settings rather than assessments of the asset. We assess the value of the security and the credibility of the exit, so an investor with a large portfolio is not disadvantaged by the size of that portfolio.

We lend from $250,000 to $10,000,000, up to 70% LVR against the security position. Loan terms run from 1 to 24 months, with most borrowers using the facility for 3 to 6 months while the exit completes. Rates start from 9.7% p.a., interest only for the term.

In most cases, yes. We make a decision in hours rather than days, and settlement within 24 hours is achievable on a clean file with clear title and a defined exit. We lend our own funds and hold our own credit authority, which is the practical reason the timeline looks the way it does. An enquiry before the auction rather than after it gives the most room to work with.

It needs to be specific and achievable inside the loan term. For investors the strongest exits are a settled sale, a term refinance to a bank or non-bank lender once the asset is tenanted or the file is presentable, or the proceeds of a planned disposal within the portfolio. A general intention to refinance at some point is not an exit strategy.

Yes. We lend to Pty Ltd companies, discretionary and unit trusts, and SMSFs holding property for investment purposes. Complex or layered structures are routine here and are assessed alongside your accountant and solicitor rather than treated as an obstacle.

Usually not. A second mortgage sits behind your existing first, so a fixed rate does not need to be broken and the first facility stays in place. We review the first mortgage terms before proceeding to confirm no consent or notification obligation is triggered.

It is worth mentioning up front, because a cluster of recent enquiries reads badly to a credit model and tells us almost nothing on its own. We would rather know where you have been and why each one passed. That usually points at a serviceability test rather than a problem with the property, which is exactly the gap we exist to fill.

Yes. We cover auction purchases, off-market purchases, off-the-plan settlements, deposit funding and settlement shortfalls.

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