Lender rates per month effective 22/5/2018^

Be part of our panel of private lenders and receive profitable returns of:

8.95%^ per annum when secured by a 1st registered mortgage

14.95%^ per annum when secured by a 2nd registered mortgage

Our clients/borrowers are highly motivated, your funds are secured by registered mortgages and its your name on their titles! Interest is fixed for the term of the loan.

Our 20+ years as mortgage managers and originators ensures a streamlined investment process is followed together with property valuations and credit analysis.

Short and flexible terms - minimum term is generally 3 months. Invest from $50,000 to $2m. Settlements in 24-72 hours and only when our solicitors confirm everything is in order. All of the interest you earn from your loan term is paid to you upon settlement of the loan. An excellent alternative to traditional superannuation returns.

To qualify as a lender for the types of loans we offer to clients, you must be a sophisticated investor also known as wholesale investors/clients, as defined in Section 761G & 761GA of the Corporations Act. To qualify as a sophisticated investor you must provide an evidentiary certificate from a qualified accountant, dated from within 24 months, to prove that you: have net assets of at least $2.5m or have a gross annual income of at least $250,000 for each of the last two (2) financial years.

To be classified as a sophisticated investor you must also hold a current certificate from a qualified accountant verifying that you have met one of these thresholds. Being a sophisticated investor offers trustees a new world of investment opportunities - Download

Complete the editable pdf. This tells us the amount of funds you have available, the types of properties you wish to lend against, the returns you are seeking and the terms you are offering. When a loan is required from you, a Manager will be in contact with the offer. Should you accept the offer, a settlement date will be determined and a request for your funds to be transferred to the settlement solicitor in preparation for settlement. When the loan requires repayment, a Manager will be in contact to facilitate the return of your funds - Download

Anyone can! Lenders include: Individuals, Corporations, Super Funds, Retiree & Pension Funds, Trustees, Institutions, Charities and Foundations. Your funds are typically savings, line of credit against property, a balance in a self managed super fund - Download

Your loan funds are secured by a registered mortgage over real property (just like the banks). The higher the loan to value ratio (LVR) the more risk involved for the lender. A typical LVR in private lending situations can be as high as 75% of the property value. Due diligence and property valuations assist in assessing the value of the security property. Your funds are loaned to all types of borrowers including Pty Ltd Companies, Trusts and Super funds. We do not lend private funds to individuals - Download

Loans are packaged by Platinum Mortgages experienced management. A manager assesses each and every loan application, orders the valuations, determines the interest rate and fees, instructs the solicitor to prepare the loan agreements and settles the loan. At the end of the loan term, managers facilitate the discharge and return of loan funds. Panel solicitors prepare all documents and attend to security registration usually in the same state as the property is located. The appointed solicitor ensures your mortgage is secured the best way possible to mitigate risk. Solicitors fees and disbursements are paid by the borrower from the loan funds - Download

A typical 1st mortgage loan is secured by registered mortgage on the property. The maximum LVR can be as high as 75% of the value of the property. Locations are most capital cities and a limited range of major regionals with populations of at least 10,000. Loan amounts start from $50,000 and range to $2,000,000 however higher loan amounts will be considered on a case-by-case basis. Borrowers pay their quoted interest rate together with paying certain fees to establish their loan and fees to settle and discharge their loan. The loan term can be as low as 90 days and as long as 7 years. The interest can be capitalised into the loan as can all of the fees with the exception of the property valuation.

A typical 2nd mortgage loan is secured by registered mortgage on the property. The maximum LVR can be as high as 75% of the value of the property. Locations are most capital cities and a limited range of major regionals with populations of at least 10,000. Loan amounts start from $50,000 and range to $2,000,000 however higher amounts will be considered on a case-by-case basis. Borrowers rates are determined on lvr and level of risk. Fees are payable by borrowers to establish their loan, settle and discharge their loan. The loan term can be as low as 90 days and as long as 4 years. The interest is capitalised into their loan as are most of the fees.