structured
or bridging
borrowing
In simple terms
You should expect the simplest solution to your funding needs. Semper offers a wide range of flexible finance products, tailored specifically to the needs of self-employed, businesses and SMEs.
ALL RATES ARE INDICATIVE – WE CAN DROP OR INCREASE ACCORDING TO RISK
$500K – $10M | 1st Mortgages | 2nd Mortgages
Commercial Borrowers
Price Guide by LVR | First Mortgage Prices From: |
---|---|
50% | 8.95% pa |
60% | 9.20% pa |
65% | 9.45% pa |
Up to 75% | Call for quote |
Second mortgages from 1.25% pm
LVRs by Property Type | Max |
---|---|
Metro Residential Houses/Townhouses | 70% |
Metro Residential Apartments | 65% |
Commercial / Industrial – Leased | 60% |
Residential outside of capital cities | On enquiry |
Metro Construction with DA Approval | 65% of NRV |
Specialist sites not considered.
Product | Requirements | PPSR & Guarantees |
---|---|---|
Full Doc | Bank statements, management accounts, serviced ATO, clear credit. | Senior GSA over the borrowing entity, guarantees from associated companies, directors and shareholders. |
Low Doc
+0.5% |
Accountant’s letter for serviceability, or positive net current bank account balance over 6 months. | Senior GSA over the borrowing entity, guarantees from associated companies, directors and shareholders. |
Light Touch
+1.0% |
Accountant’s letter for serviceability, or positive net current bank account balance over 6 months. | Negotiable. |
Establishment Fee | 2.2% |
Term | 3 months up to 3 years (reviewed annually) |
Monthly Loan Management Fee | From 0.1% pm |
Application Fee | From $1,500 paid upfront |
Valuation Fee | At cost |
Legal Fee | At cost |
Interest Type | Monthly in advance via Direct Debit, or prepaid / capitalised for +0.50% loading |
Trail Commission | Our First Tier Accredited Brokers/Introducers who settle greater than $5,000,000 within a three-month period can qualify for up to 0.25% per annum trail margin, paid monthly in arrears on performing loans. Conditions apply. |
White Label | Our Top Tier Accredited Brokers, we also offer a White Label product. Semper will produce an indicative letter of offer using your company livery, and when loan and security documents are drawn, your company can appear on Title as Lender. Semper will provide all back-office support for credit and post-loan management. Conditions apply. |
What you can expect from us
- Direct lender to borrower support
- Best-in-market rates
- Rapid drawdown
- Simple application process
- Supportive lender
Common loan uses
- Rapid property acquisition pending alternate finance
- Managing cash-flow challenges, such as:
- Tax liabilities and ATO debt
- Replacement finance or deleverage from an existing lender
- Pre-insolvency issues/ release from administration and turnaround
- Creditor payments
- Release of equity
- Debt refinancing
- Seasonal trends
- Business emergencies
- Capitalising on an unexpected opportunity, such as:
- Bridging the gap between sale and purchase (residential or commercial)
- Rapid drawdown and equity release
- Buying a business
- Meeting the capital needs of a growing business