Secured Lenders Hub

  • It's time you Profit like the banks too !

    The current Era with RBA rates at less than 5%, Term Deposits circa 5% p.a. , high inflation rates together with a volatile and declining property and share market has given rise to one of the oldest methods of passive money making strategies regaining popularity to help keep your wealth accumulating.  That is, Private Money Lending , secured by Real Estate.  


    In 2024 you can reliably yield;

    5% to 9% per annum when secured via Registered First Mortgages or 

    9% to 12% per annum via Registered Second Mortgages.

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    Earn the returns you deserve

    1800 95 4200

    Capital Stability, positive Yields

    What are Private 1st Mortgage Secured Loans?

    A loan made by a lender, secured by a registered 1st Mortgage over the borrower and Guarantors' Property. The loan is private because the funds come from private sources such as private individuals, Family Offices, companies, wealthy individuals, even superannuation funds (Including Self Managed Superannuation Funds).

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What makes funding Private Mortgages an attractive proposition?

Secured by Property

          Your money is secured by Real Estate with loans typically limited to a maximum of 65% of the Value of the Property, giving you a conservative margin of safety protecting your capital.

You stay in Control

As the lender, you make the commercial decisions about the loans that you fund.  Together with the Lawyers we help with the implementation and admin, freeing up your time.

No Entry Costs

NO Entry costs when utilising our Service.  

We pass on the costs to the borrowers.                     

Passive Income Stream

Don't you deserve to earn a Passive Income Stream, enabling you to focus your time on higher priorities such as Health, Family and Lifestyle. (Weekly or Monthly income)

Choose the Loans to Approve

We co-fund all of the loans on our platform, however it's 100% your choice which loans meet your risk / reward preferences that your happy to fund yourself or contribute towards.

Why join our network to earn a return from funding Private Mortgages?


> Leverage off our Knowledge, Experience, Expertise in SME loan origination and management.
You have worked hard to save your capital, now it's time you put your feet up and let us do the hard work.

> Access to tools and systems that cost millions of dollars to develop over many years that you get to benefit from 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.

> 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. 

> We never have access to your funds.  Your funds will never pass through any of our bank accounts.  

We use independent third party Solicitor Trust Accounts where you deposit funds just prior to settlement of a loan and when the borrower repays the loan into the Trust account it is held there for a short period (a matter of 1 to 3 days) after discharge of the loan while final reconciliation's take place. 

                   
                   > Any Transfers can only be performed under your written instructions from you to the lawyers who documented the mortgage. 
                   
                   >Borrowers make Interest payments direct into your bank account on a weekly basis, unless you prefer to                       use our payments processing system then interest will be direct debit from borrowers account, deposited into your account by the direct debit service provider on weekly or monthly basis.

Our Services

> We make it easy for investors, companies and self managed super funds (SMSF) to enjoy the benefits of frequent interest payments direct to their account from SME Borrowers.  


>You act as the Bank Manager approving the loans you feel comfortable with.  We do the hard work reviewing all the applications only presenting to you those applicants that meet the credit criteria that we too are comfortable investing in.


>  Investments are backed by first registered mortgages over Australian real estate. 


> Build a regular monthly income stream and make your savings work harder.


> Each investment is in a single stand-alone mortgage and the investor can diversify their portfolio by selecting and investing in multiple opportunities on offer.

15 Reasons to choose Secured Lenders Hub to build your credit portfolio

Next Steps to get started

Join

1) Complete the Online registration Form to create your free account.

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Learn

2) Read our Guide to funding Private Mortgages in Australia

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Choose Investment

3) Select the Mortgages to fund  24 x 7

(You approve and fund the Loans you like)

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Collect Cash

4) Collect regular interest payments from each loan that you fund

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Click here to review deal summaries , currently paying up to 12% p.a.

About Us

Secured Lenders Hub is an investment manager with a team who have skills,  expertise and tools to review applications, undertake initial due diligence and filter out only those credit opportunities that meet the credit criteria, with capital preservation at the forefront of priorities.

The range of finance products offered are designed for SME’s that have registered Pty Ltd companies and considered as Non-Coded loans.

Our founder has over 11 Years experience in the Mortgage broking sector with experience in all types of loan origination, including 6 Years experience syndicating Private Mortgages and over 20 Years experience investing in Australian Property. 

Having managed his own, and other closely associated investors funds for the past 6 Years Secured Lenders Hub is the natural evolution, now (2022) enabling a wider range of investors transparent access to the credit markets.  

Investors with spare capital from $100,000 to $100,000,000 can join our private lenders network choose the individual loan or loan portfolio's that you would like to fund and benefit from the diversification available and industry leading systems that enable these transactions to take place.


View current deals available paying up to 12% p.a.

3 - 7% +

Net Yield

< 65%

Loan to Value Ratio's

11+

Years Experience

Recent Settled Credit Opportunity

Example of a recently settled loan;

 Purchase Price $380,000   (75 Acre Agricultural Property with House and Sheds in Regional Farming Area, Western Victoria)
 Loan Amount$150,000 credit limit
with $100,000 drawn down at initial settlement secured via registered First Ranking Mortgage
and remaining $50,000 credit limit available to the borrower when required, however only after second mortgages have been successfully registered on the titles of the two Secondary security Properties.  A Total of 3 properties have been offerred as collateral.
Primary  SecurityRegistered  First Mortgage on the title of the property being acquired.  (1st Mortgage Registered at Settlement)
Secondary Security Registered second mortgage on the title of two residential investment properties that are also owned by the guarantors of the loan.  The Guarantors of the loan are also both shareholders of the company borrowing the money.
 Loan to Value Ratio on 1st RM < 50% of Forced Sale Desktop Valuation ($300,000) or <40% based on Purchase Price ($380,000).   
(Formal Valuation by Nationally recognised Valuers was $352,000, excluding water rights).
Target Yield to Funder4% p.a. if paid on-time, with interest payments made weekly. 
20% in the event of default by the borrower
Term 12 Month initial Term, with minimum interest period of 8 months.   This means the borrower is required to pay a minimum of 8 months of interest payments to the funder, therefore the borrower can freely repay the loan anytime after 8 months with no penalty, provided that 45 Days written notice is provided by the borrower of intention to repay the loan in full.  This gives you time to choose another loan to roll your money into.
 Why is borrower happy to pay above market rates? Borrower was happy to pay the higher rate in order to have certainty of approval AND a timely settlement.
There was an alternate funding option available from another lender with lower rates and a 25 Year term, however there was no certainty the property would be considered as acceptable security by that lender due to the property zoning certificate disclosing the area is bushfire prone, flood liable land (flat famring land) and the general area is known to have termite infestation in some of the farming properties.   These property risks are all well known in the area and expected given the usage of the property, however such matters can cause major lenders to deem the property as unacceptable collateral, even though the market price at time of settlement was $380,000.
 Interest Payments:Weekly payments by borrower, direct into lenders account.
 Purpose:Acquisition funding for Small scale Agricultural Land / business (Rural Acreage Property with house and sheds) AND $50K towards Business use.
 Proof of Income: Bank Statements verifying existing Interstate Transport income, review of income, expenses and commitments to calculate and ensure that a surplus is available after paying all current commitments and this new facility.    NO Tax returns or company financials are required.
- Verification of NO Tax debt.
 QTY of Lenders: 3 Lenders in the Syndicate @$50,000 each provided the $150,000 Credit limit.
 Exit Strategy: REFINANCE Borrower after the borrower demonstrates a minimum 12 months of perfect payment history and once financial reports are available for the business for FY 2022, refinance to a lender such as Bendigo Adelaide Bank who is known for funding similar properties in the area on a Full Doc basis. 
Alternatively, companies such as Latrobe Financial can also fund these types of Properties using Business Activity Statements and or Accountants Declaration on a Low Doc Loan Product.
Alternatively , the borrower may commence principal reductions after the 8th month period, then rollover the loan at the end of the Initial 12 months loan term. 
With the RBA cash rate at 0.10% and term deposits less than 0.5%, assuming perfect payments are achieved during the term, the syndicated funders may offer a further term once the initial 12 months loan term expires.
Start being Like the Bank too !!!

A Sample of what some of our Private Lender Network funders have to say

Testimonial

I have been co-funding loans with Jason since 2017 and have not lost any of my Principal.   The returns per loan have always been above 10% p.a. which enabled me to grow my capital.  Paul (NSW)



Jason introduced me to a first mortgage loan with 30% return with <50% Loan to Value Ratio.  The interest pays for some luxuries in life that I was unable to enjoy in the past.  Going to work is now optional for me.  Elizabeth  (Sydney)



I can now invest my SMSF money with minimal risk to my Principal.  Jason finds me loans with an average 50% LVR, paying returns in the the teens. This method of investing really suits us.