15 Reasons to choose us to build your credit portfolio

15 Reasons to choose us to help build your credit portfolio

1) Our founder has over 10 Years experience Syndicating Private Mortgage Secured Loans with $0 Losses of our Private Lenders Network Principal Capital or his own funds.

We can back this up statement with letter from the primary law firm that we engage who prepare mortgage docs and acts on the mortgage in general.

2) Over 22 Years experience in Property Investing, provides our Founder with insight to help avoid lending in the high risk locations, property types and adopting prudent loan to value ratio's given the location of the property.

3) In most cases, we contribute a minimum of 5% towards funding each loan and sometimes up to a 50% Contribution^, so our primary interests of Capital Protection are aligned with yours. Often we may fund a loan with our own funds, then make the loan available after all the security is in place. e.g. The Mortgage (either a 1st or 2nd) has been registered with the relevant state Titles Office, PPSR registration completed etc.

4) You make all the commercial decisions, so you are only lending money against properties and to people that you are willing to back. All other commercial decisions are also made by you.

5) You choose the loans that you want to fund and can view loan opportunities 24 x 7 via our online portal. If you have a negative view on particular property types or certain property markets within Australia , then you just decline to fund those deals and choose a deal that your comfortable with.

6) Leverage off our knowledge, expertise and experience in SME loan origination, handling the borrowers and any collections required. Plus you will have access to tools and systems that cost millions of dollars to develop over many years that you get to utilise for your benefit at NO cost to you. The costs we incur for utilising these systems and other expenses are amortised across the whole portfolio of loans. This means the costs are effectively funded by borrowers from a combination of the various fee's charged to the borrower and the margin on the interest rate.

7) You're also able to benefit from the 15 Years experience by our Founder in brokering Private Mortgage Secured Loans via large non-bank mortgage funds and more conventional mortgages Traditional Bank and Non-bank funding that our Founder has experienced in. Our Founder also maintains a role acting as the Responsible manager of the Australian Credit Licence and National Operations Manager of the Founders family Mortgage and Finance brokerage business. Specifically in some cases we refinance the Secured Lenders Hub borrowers using our accreditations with other larger and more cost effective non-bank lenders when the borrower is in a position where they meet that larger lenders credit criteria (For example, after they have demonstrated 12 months of good payment history of the Private Mortgage).

8) We Source deals for you on a regular basis, so you can fund a variety of loans to have better diversification and capital liquidity. (i.e. Optimising the loan parcel size per deal, loan entry timing, suitable loan term, Geographic Area diversification, Property Type and Borrower industry diversification).

9) We take the burden of the time consuming work, taking all the enquiries, finding deals, screening out the rejects, so you get on with your life, earning income 24 x 7 , freeing up your time to work, rest and play.

10) You stay in control as your name or preferred entity name can be listed on the title as the mortgagee when you are funding the whole loan or if you prefer anonymity we can utilise one of the various bare trustee entities available via our lawyers or entities within our group to act as the "Lender of Record". If you decide to fund part of a loan (a syndicated loan), then a Trustee Company is nominated to act as the "Lender of Record" and the funders contributing to the mortgage are governed by a loan syndication agreement.

11) As part of our role, we pre-screen all applications, carry out verification work and searches and compile in a Credit Proposal for each opportunity, so you only see the deals that have enough merit that we are also prepared to invest our hard earned capital also.

12) We fund the costs of any litigation or debt recovery work in the event the loan becomes in default of payment of interest payments for a period of 90 Days or more. Conditions apply, see conditions on last page of our multipage brochure.

13) We have access to certain finance industry databases and Tools to help with credit analysis, security property analysis, plus a team of accredited service providers at our disposal such as a panel of Valuer's, Lawyers with expertise in mortgage documentation and legal recovery work and their reliable service providers who also have input on the recovery process.

14) Experience with regulatory authority requirements, knowing which types of deals to fund and which to avoid to protect our lenders interest and steer clear of trouble.

15) In certain situations, Our Sister company which is a traditional Mortgage Brokerage service, can assist the borrower's refinance at the end of the loan term (Provided the borrower follows through on the plan we set out for them on how they can get into a better financial situation to be eligible for a refinance). Our insight into the larger lenders and non-bank lending policies, enables our refinance team to more easily refinance the debt, resulting in you getting your funds back sooner. The benefit to you is reducing borrower refinance risk. This is a Win, Win, Win for all parties. . As part of our process, when a borrowers specifies their exit strategy on their application refers to refinancing of the property as being their first choice as their proposed exit strategy, a basic feasibility exercise is undertaken to determine what are the general prospects of a refinance being sucessful by the end of the loan term. IF, based on our knowledge of the typical lenders policies that would do such a refinance, we believe that there are very low prospects of a borrower refinancing.

~(New online Platform/Portal currently under construction, so loan summaries can be accessed on our new Portal now, however link to supporting docs will be sent via email).

"We" in the context of the line marked above with ^, refers to entities that are controlled by the founder and Director (Jason) or his family group.

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