

HOW WE LEND
One Lending Fund Lending Criteria
Type of Loan Loans to Borrowers are primarily structured as a pre-paid fixed interest rate.
Security Loans are to be secured by first mortgages or second mortgages over real estate.
Purpose of loans Loans for established real estate. The Fund will not provide development finance.
Target location of security Greater suburban Sydney, Melbourne and Brisbane. The Fund may also lend to
property in other area located in Australia.
Target loan to value ratio Each loan cannot exceed 70%-75% of the value of the security at the time of application.
Minimum and maximum
amounts for each loan
Minimum loan value is $100,000, including prepaid interest per transaction.
Maximum loan value is $5 million, including prepaid interest per transaction.
Loan term Typically 3 -12 months. The Manager may extend the term of the loan.
Insurance Adequate insurance over the property to be mortgaged must be in place.
Independent Valuations
Valuations to be prepared by an independent, qualified and registered valuer prior to advancing loan funds against a property being offered as security.
Consumer Loans
The Fund will not provide loans which would be regulated under the National Consumer Credit Protection Act 2009. All non-coded loans are to be assessed
according to credit policy.
*No hidden agendas and hidden fees
Recent Lending Cases

Scenario A
Borrowing purpose: Business cashflow
Borrowing amount: AUD 1,800,000
Type of colleterial: Commercial property
Location: Parramatta, NSW
Third-party valuation: AUD$66,000,000
Loan to Value Ratio : 29% (2nd Mortgage)
100% personal guarantee from the company directors
Loan Status: Closed
Total loan term: 92 days

Scenario B
Borrowing purpose: Business expansion
Borrowing amount: AUD 1,085,000
Type of colleterial: Residential property
Location: Northbridge & Kensington NSW
Third-party valuation: AUD 4,000,000 & AUD 585,000
Loan to Value Ratio: 70% (2nd Mortgage)
100% personal guarantee from the company directors
Loan Status: Current
Total loan term: 91 days

Scenario C
Borrowing purpose: New business
Borrowing amount: AUD 350,000
Type of colleterial: Residential property
Location: Sydney NSW
Third-party valuation: AUD 975,000
Loan to Value Ratio: 36% (1st Mortgage)
100% personal guarantee from the company directors
Loan Status: Current
Total loan term: 91 days
Common loan purpose:
1. Bridging - Buy before Sold
2. Purchase
3. Equity Release
4. Renovation
5. Working Capital
Commercial Property Purpose
1. Residual Stock
2. Development Site
3. Land purchase and cashout
Residential Property Purpose
1. Bridging
2. Renovation
3. Self employed
4. Fast funding
Other Recent Deals Done in Development Finance and Commercial Loans
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Bella Vista 12 townhouses construction loan build-to-rent $4,140,000
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Sydney west 16 units apartments construction loan $5,595,000
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West Ryde 10 apartments build to rent construction loan $3,130,000
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Peakhurst 9 townhouses residual stock funding/financing $3,200,000
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Newcastle 12 townhouses construction loan $6,480,000
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Central Coast 9 units of apartments with presales construction loan $4,400,000
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Purchase of Motel Sydney south $1,200,000
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Paramatta 16 apartments residual stock financing $5,000,000
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Newcastle 4 townhouses construction loan $1,900,000
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Killara Duplex construction loan - $4,000,000
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Sylvania development site – land loan $1,250,000
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Burwood commercial property purchase loan $2,980,000
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Waterloo commercial property refinance loan $1,300,000
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Pinjarra commercial property refinance loan $4,935,000
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Cooper Plain petrol station purchase loan $1,650,000
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Campsie construction loan $1,610,000
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Maroubra construction loan – construction last stage -$450,000
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Rural land purchase in Wilberforce NSW for farm production $1,000,000
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Mascot commercial office loan $600,000
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Debtor Finance $8,000,000 for a large hospitality group via a major bank
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Thomastown commercial industrial property refinance loan $4,550,000
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Ravenhall commercial industrial property refinance loan $4,550,000
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Riverstone 6 house land residual stock loan $580,000
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Engadine 16 townhouse construction 2nd mortgage loan $550,000
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Waterloo Dental consulting and Surgery Suite loan $660,000
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Varroville NSW land banking $300,000
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Cardross VIC Farm land including water rights purchase loan $875,000
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Leichhardt Mixed used commercial office loan $300,000
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Waterloo Commercial office refinance $720,000
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Homebush West commercial store purchase $1,100,000
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Business loan secured by Northbridge house $1,085,000
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Winston Hills Childcare purchase $910,000
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Lane Cove West commercial development site $1,320,000
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Killara House construction loan refinance - $4,200,000
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Tempe commercial warehouse refinance $1,949,000
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Business purpose loan secured by Burwood two apartments $374,000
Email our team of commercial lending and development finance specialists to find out more:
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