Company Name ID of Director(s) ID of Guarantor(s) Rates ... · Loans suitable for most situations...

EquityLendersCall 1300 859 075 | [email protected] | equitylenders.com.au

Private Mortgages on Propertyavailable from Equity Lenders

Private Mortgage Lenders & BrokersAs at September 2020

24 hour LoanApprovals

require these:

Company NameID of Director(s)

ID of Guarantor(s)Rates Notice(s)

Contract of Sale

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Consistent Good Service!

Here’s how we achieve our 5 TrustpilotStars and rating from valued clients acrossAustralia. Time and time again we’rerated excellent!

Decisions and approvals within 24

hours with settlements usually in 5

business days

Our very easy loan processes and

minimal documentation requirements

means business owners can get back

to the business of making money!

Highly experienced Directors, Staff,

Consultants and Contractors ensures

all valued clients continue to benefit

from collective skills and knowledge

DISCLAIMER: This loan brochure is accurate as at the effective date of this document. Equity Lenders reserves the right to alter the policies at any time without notice.

Whilst every effort has been made to ensure this loan brochure is accurate, it should not be relied upon for any purpose or used as a substitute for independentprofessional advice.

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Our Loans

Our loans are secured by registered 1st and 2nd mortgages/caveats

What’s in this Loan Brochure?

1. A snapshot of our loans

2. Loans secured by 1st mortgage

3. Loans secured by 2nd mortgage/caveat

4. Our lending policy

5. Frequently asked questions

6. Enquiry form for borrowers


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Loans suitable for most situations

1st reg’d 2nd reg’d Mortgage Mortgage

Loan Size Min $50k Min $50k

Max $50m Max $10m

Loan Term Min 3-mths Min 3-mths

Max 3-yrs Max 3-yrs

LVR’s % Resi 75 Resi 75

(indicative) Com’l 65 Com’l 65

Land 65 Land 65

Features Usually 5 business days for loan processing and settlements

No fees for quotes & offer letters

Caveat settlements if & as req’d

Rates fr 3.95% p.a fr 13.95% p.a

Line Fee 0.1-0.15% pcm 0.1-0.2% pcm


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Loans secured by 1st Mortgage

Short and long term non-coded loans secured by registered 1st mortgage

Interest Rate From 3.95% p.a if loan amount is min $200kInterest Type Fixed interest only rate for length of termInterest Payments Monthly in advance, prepaidLoan Term (Minimum) 3 months Loan Term (Maximum) Up-to 36 monthsRedraw Not availableRollover Term(s) Available (subject to repayment history)Suitability Purchase, Refinance & Equity ReleaseMax LVR Residential Around 70%Max LVR Commercial Around 65% Max LVR Vacant Land Around 65% - 70%Min Loan Amount $50k (ideal amount $200k)Max Loan Amount: Up-to $50m per borrowerAcceptable Borrowers Company, Corporate Trustee of F/T , Sole TLoan Purpose (Business) Any worthwhile purposeLoan Purpose (NCCP) Not available from EL. Available from PMMEligible Security Residential, Commercial & Vacant LandRural Property & Land On applicationEligible Locations Capitals & Major Coasts of AustConstruction Yes in capitals and major regionalsSecurity Assessment Desktop, Full & BYO* (*considered)

FeesLender From 1-2% of the gross loan amount + GST *Many lenders on panel are 2% + GSTSecurity Assessment From $400 + GST or at costLine (Management) 0.1% to 0.15% pcm if charged by lenderBroker From 1-2% of gross loan amount + GST (Min $3.3k)Legals per scale From $2,000 + GST + Disb (included in loan)Valuation(s) At cost using valuers quote



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Loans secured by 2nd Mortgage

Short and long term non-coded loans secured by registered 2nd mortgage/caveat

Interest Rate From 13.95% p.a if lvr is lower than 60% Interest Type Fixed interest only rate for length of termInterest Payments Monthly in advance, prepaid Loan Term (Minimum) 3 monthsLoan Term (Maximum) Up-to 36 monthsRedraw Not availableRollover Term(s) Available (subject to repayment history)Suitability Purchase, Refinance & Equity ReleaseMax LVR Residential Around 70% (higher upon application)Max LVR Commercial Around 60% Max LVR Vacant Land Around 65% Min Loan Amount $50k (ideal loan amount $100k)Max Loan Amount: Up-to $10m per borrowerAcceptable Borrowers Company, Corporate Trustee of F/T, Sole TLoan Purpose (Business) Any worthwhile purposeLoan Purpose (NCCP) Not availableEligible Security Residential, Commercial & Vacant LandRural Property & Land On applicationEligible Locations Capitals & Major Coasts of AustConstruction Yes - Determined upon applicationSecurity Assessment Desktop, Full & BYO* (*considered)

FeesLender From 1-2% of the gross loan amount + GST *Most lenders on panel are 2% + GSTSecurity Assessment From $400 + GST or at costLine (Management) 0.1% to 0.2% pcm if charged by lenderBroker From 1-2% of gross loan amount + GST (Min $3.3k)Legals per scale From $2,000 + GST + DisbValuation(s) At cost using valuers quote


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Our Lending Policy

Applications for loans secured by 1st and2nd mortgages/caveats must clearlydemonstrate a commercial financial benefitto property owners and the guarantors

Equity Lenders are non-code lenders and provide funds toCompanies, Corporate Trusteesof Family Trusts and Sole Traders

Acceptable locations includecapital cities and the majorcoasts/regions of Brisbane, Sydney, Melbourne, Adelaide,ACT and Perth

Valuations are generally required on property offeredas security. Equity Lenders willconfirm if a valuation is requiredby the lender

Repayments are by directcredit from the borrowersnominated account or canbe prepaid for any term

Security property includes residential homes, investmentproperty, commercial property,vacant land & developmentland

Loans from Equity Lenders aresuitable for purchasing property,bridging property, refinancing ofloans, releasing equity, constructing property anddevelopment of land

Acceptable exit strategiesinclude the sale of property,refinance to another lender,inheritance with documentationand business cashflow

Loan agreements are prepared in Sydney and sentto the borrowers nominatedlegal representative by email.An upfront refundable depositmay be required prior topreparation depending on lender

Loan decisions, approvals and resulting offer letters are issued in-house by Equity Lenders management on behalf of theirprivate lenders

Rollovers are available onrequest for expiring loans. Fees may apply


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Frequently Asked Questions

What is the process in gettinga loan from Equity Lenders?After we indicatively approve the loan, valuation(s) if requiredare ordered, agreement is prepared and sent to your legalfirm for signing and settlement

What credit checks are under-taken if any?Equity Lenders is a subscriber toboth Equifax and CreditorWatch.If requested by the lender, bothpersonal and company creditreports will be generated. However,most of the lenders rely on thelegal firm preparing the loanagreement to order only aCreditorwatch business report

Who are the providers of the loans that are made availableto borrowers?A number of Individuals, Self-managed Super Funds, PrivateCompanies, Partnerships and Family Trusts on an upon-request basis

What is Equity Lenders role asLenders Broker and Mortgage Manager?As a Lenders Broker, we sourceclients for our panel lenders.After settlement of the loan, theloan may be managed by EquityLenders. Management includes administration of direct credits, arrears administration, loan variations, preparation and issuingof loan statements and theprocessing of discharge uponending of the loan

Does Equity Lenders request anon-refundable up-front fee toassess or process a loan request?Unlike many other private lendersoperating throughout Australia,Equity Lenders does not require afee. Only when the loan requesthas been approved and is subjectto valuation, will a securityassessment fee be payable. Then, when loan is unconditional and readyto proceed to loan agreement, alegal fee deposit may be requiredby the lender. The deposit remains inTrust and returned to the borrower at or after settlement of the loan

What happens if there are creditissues evident on the credit reports?In general, both paid and unpaiddefaults are ignored, paid judge-ments are ignored, paid court-writs are ignored and previousbankruptcy is ignored

Which legal firms prepare theloan agreement and attends tosettlement and discharge?Bransgroves Lawyers, SummerLawyers, Dentons & Elliott MayLawyers


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Enquiry Form for Borrowers

Borrower Name__________________________________________________

Borrower Type: Company F/Trust S/Trader ABN Holder

Guarantor Name(s)______________________________________________

Guarantor Name(s)______________________________________________

Property Address 1_______________________________________________

Property Value 1 $_________________Loan Balance $_______________


Property Value 2 $_________________Loan Balance $________________


Property Value 3 $_________________Loan Balance $________________

Ph: _______________Email:_________________________________________

Loan amount in the hand you are seeking $_______________________

Loan term you are seeking (max 3 years available) _______________

What is the purpose of the loan?__________________________________

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How are you paying the loan back? i.e Refinance, Property Sale etc

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When is the loan required i.e asap, 1-4 weeks?____________________

What else do we need to know? __________________________________

email to: [email protected] when completed

Company Name ID of Director(s) ID of Guarantor(s) Rates ... · Loans suitable for most situations...

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