Sample deals
Anonymised examples of the kind of deals we package and arrange. Parameters in each example are descriptive — every deal is assessed on its merits by the relevant funder.
Scenario 1
Settlement bridge under contract pressure
- Borrower
- Pty Ltd property investor, three prior holdings.
- Security
- Existing investment property in Sydney’s inner west; valuation around $1.95m; current first mortgage around $700k.
- Need
- A second mortgage to fund a deposit on a second investment property under unconditional contract with a tight settlement window.
- What we did
- Packaged the deal, secured first-mortgagee consent in parallel, and arranged a six-month second mortgage from a panel lender. Exit via planned refinance once the new property settled.
- Time to settlement
- Eight business days.
Scenario 2
Five-townhouse build, no presales
- Borrower
- Pty Ltd SPV established by an experienced builder/developer; principals personally completed seven prior projects.
- Security
- Inner Brisbane site, DA approved, contract value around $3.4m, GRV around $5.6m.
- Need
- Senior construction debt without the bank’s presale requirement.
- What we did
- Packaged the deal for a specialist construction lender on our panel. Progressive drawdowns against QS-certified claims. Exit by sell-down on completion or refinance to an investment loan portfolio.
- Time to settlement
- Five weeks.
Scenario 3
Renovation and flip in regional Victoria
- Borrower
- Pty Ltd renovation business, two previous flips completed and resold profitably.
- Security
- A tired weatherboard in a high-growth regional town. Purchase around $620k, projected resale around $920k.
- Need
- Acquisition funding plus a renovation budget, all in the corporate name from day one.
- What we did
- Arranged a first mortgage from a private investor on our network — quicker than the equivalent specialist-lender process — to a combined 70% of (purchase + renovation budget). Nine-month term.
- Time to settlement
- Seven business days from initial enquiry.
Scenario 4
Replacement of a non-bank first mortgage
- Borrower
- Pty Ltd trading entity that owns its premises.
- Security
- Commercial property in Melbourne; valuation around $4.1m; existing non-bank first mortgage of around $2.2m with a maturity in three weeks.
- Need
- Refinance the existing first to provide a 12-month runway to a bank refinance once trading results improved.
- What we did
- Packaged the deal for a specialist lender on our panel. 55% LVR replacement first. 12-month term.
- Time to settlement
- 10 business days.
Common themes
- —Every borrower was a corporate entity. Every loan was for a business or investment purpose. Every borrower signed a Business Purpose Declaration before drawdown.
- —Every loan was secured by a registered first or second mortgage over Australian real property.
- —The bank was either unable to move at the required speed, unable to lend at the required LVR or against the required security, or unwilling to dispense with conditions (such as presales) that didn't suit the deal.
- —Choosing which funder to take the deal to — a specialist lender or a private investor — was material to settlement speed and acceptance odds in most of these examples.