When timing or complexity rules the banks out: first and second mortgage facilities written off our own book, secured by Australian real property, for business and investment purposes.
Principals decide, not committees. A straight answer, fast — including when it's no.
| Item | Terms | |
|---|---|---|
| Facility | $1,850,000 | |
| Security | 1st mortgage, NSW | |
| LVR | 58% 66% peak, capitalised | |
| Term | 9 months | |
| Timeline | Scenario Mon → terms Tue → settled day 8 |
Illustrative of process and pace. Every facility is priced on security, LVR and exit.
Settlement is Friday. The valuation came in late, the bank found a policy wrinkle, the committee meets next Wednesday. The deal is good — the timing is what's broken. That's the exact gap a private book exists to close.
Indicative terms on a one-page scenario. A real answer with numbers — not "we'll come back to you."
Typical scenario-to-settlement where valuation and legals cooperate. We've done it faster when the file was clean.
Maximum LVR on first mortgages — up to 75% peak with capitalised interest. Priced honestly for where the risk sits.
You deal with the people whose capital it is. No committee theatre, no re-papering for a faceless credit desk — a scenario call, a straight answer, terms in writing.
Establishment fee and rate — that's the structure. The rate reflects LVR, security quality and exit. No hidden lines, no default traps engineered into the documents.
Every facility is written to its exit — sale, completion, or refinance back to a bank, which our advisory side can arrange as the loan seasons. We lend to be repaid, not to own your asset.
One page is enough: security, amount, purpose, exit, timing. Send it any day of the week.
Facility, rate, LVR, term and conditions in writing. If it's a no, you'll know just as fast — with the reason.
Valuer instructed immediately, solicitors briefed same day, settlement managed hourly when the deadline demands it.
If your scenario fits inside these lines, it's worth a conversation today.
Referral relationships protected and disclosed, brokerage paid promptly at settlement, and your client handed back to you with the exit. Most of our book comes from professionals who've tested us once.
Security, amount, purpose, exit, timing — that's all we need for a 48-hour answer.