We have aligned ourselves with over 55 Australian Lenders plus Specialist Lenders & Specialist Commercial Fund Managers.
These funds are available for Commercial Property Loans, Construction Loans, Development Loans, Residential Loans, Investment Loans, Business Loans, Non Resident Loans, Non Conforming loans & Rural securities.
No bank can offer you the range of options that we can.
These days with APRA making it harder for the banks to lend on deals they used to lend on, the banks are picking the cherries and investors, developers and businesses are finding it increasingly more difficult to get funding.
What’s even worse is that the big banks are now using everyday depositors funds to invest in risky derivatives, instead of using those deposits to help everyday Australian’s invest in their future prosperity.
All it takes is one call to us no matter what the scenario is to find the answers that you need. If the lending circumstances do not fall within our guidelines, we also have relationships with many other specialised fund managers that we can call on.
Whatever your lending situation requires… We are here to help you achieve the prosperity you deserve…
Development Loans
As we specialise in construction & development finance, we look at projects differently to the major institutions.
With a focus on the commercial reality and can offer up to 100% funding by lending on the Gross Realisation Value, not just the As Is value!
Depending on the situation, it is possible to lend up to 65% of the Gross Realisation Value (GRV) less GST of the secured property with an additional mezzanine lending up to 75% of GRV.
Want to borrow up to 100% of Total Development Costs… Ask us how…
In most construction applications, local or overseas pre-sales are not an approval condition. Our loan terms are 1 to 3 years.
Commercial Loans
Want to buy or refinance a commercial or retail property?
Want to borrow based on valuation not purchase price?
Want to borrow up to $100,000,000 or more with no historical financials?
Our Commercial lending model is focused on the collateral offered, character and credit worthiness of the borrower. Our funders often do not seek accountant declarations, financial statements or projections to verify capacity.
With a commercial lending background since 1985 our companies authorised funders approves every loan in-house. They also have dedicated Panel Valuers and Solicitors to facilitate the efficient processing of loan approvals through to settlement.
Caveat Loans
Do you need money fast to cover expenses or finish a project?
Do you want to lend based on the asset with no financials available?
Is the bank about to foreclose and you just need some time to get by?
We have access to lenders that can lend money fast if the deal stacks up.
Residential Loans
Want to buy or refinance a residential home or investment property?
We have aligned ourselves with over 55 of the major lenders in Australia to find you the right loan with the lowest rates that can lend up to 95% of the loan amount.
We do all the hard work of sorting through the lenders rates, fees and requirements to structure your finances correctly to save you thousands over the term.
Non Resident Loans
We are an authorised licensee with a private funding company that specialises in Non-Resident lending for standard residential, off the plan and for construction purposes.
We recognise that there is a significant gap in the market place for an ongoing, steady and well provisioned funder to tackle the hard task of providing non-residents with the ability to borrow in Australia.
We bridge this gap by providing 1st mortgage funding up to 70% LVR. Our rates and fees are market leading and in line with client’s expectations.
Our funding line allows us to lend to category 1 and 2 locations throughout Australia and with a solid backing of over 100 years of credit experience from the directors and managers and an internal Asian speaking credit team, we are able to lend to most genuine non resident investors looking for funding for their purchases in Australia.
Non Conforming Loans
Is your credit report holding you back from future prosperity?
Want to borrow for a residential or commercial property over a longer term but the banks have given up on you?
Are you self employed with no historical financials?
Have you missed some repayments and now your stuck refinancing?
Commercial and non conforming loans may be suitable for most developers, commercial property buyers and people with not so great credit history for many reasons. That’s because most often it is a straight asset lend and strict financial statements or credit history are not required. We can assess your situation to determine if it’s right for you.
Like any form of lending there are always some risks. The loans are normally higher rates and more expensive up front fees and the loan terms shorter. But the risk of the bank foreclosing on you is likely to be much higher and… well… if you can’t get the finance you can’t do the deal and make the profit. Talk to us how.