How We Operate
A comprehensive, process-driven approach to property lending that prioritises investor security, transparency, and consistent returns through rigorous due diligence and active management.
Rigorous Due Diligence
Every potential borrower undergoes comprehensive assessment before loan approval. Our experienced credit team evaluates track record, financial capacity, project feasibility, and security adequacy.
Borrower Assessment
Credit history, experience, financial position, and track record analysis.
Project Evaluation
Development feasibility, market analysis, cost review, and exit strategy.
Security Valuation
Independent valuation, LVR calculation, and security sufficiency assessment.
Legal Review
Title searches, planning approvals, contracts, and legal documentation.
Approval Criteria
Our credit committee reviews all applications meeting these minimum criteria. Approval requires unanimous committee consensus.
Security & Protection
Multiple layers of protection safeguard investor capital throughout the investment lifecycle.
First Mortgage Security
All loans secured by first registered mortgages over real property, providing priority claim over assets.
Conservative LVR
Maximum 65% loan-to-value ratio ensuring significant equity buffer for investor protection.
Personal Guarantees
Director guarantees provide additional recourse and ensure borrower accountability.
Insurance Requirements
Comprehensive insurance covering construction risks, public liability, and contract works.
Property Security
- • Independent property valuations
- • Registered first mortgage position
- • Regular revaluation protocols
- • Title insurance where appropriate
Financial Covenants
- • Minimum equity requirements
- • Presale or takeout requirements
- • Progress payment milestones
- • Interest service obligations
Ongoing Monitoring
- • Regular site inspections
- • Quantity surveyor reports
- • Financial performance reviews
- • Early warning systems
Experience Our Process Firsthand
Schedule a consultation to learn more about how our rigorous processes and security measures can deliver consistent, protected returns for your portfolio.