Simple Fixed Rates
Simple Fixed Rates for residential properties in metro Sydney, Melbourne and Brisbane (Commercial Loans)
Ordering Valuations
Semper explains why it may not always be appropriate for a lender to accept a borrower-sourced valuation report, and how you and your customers can save time and money. If you have an urgent settlement Semper will do everything it can to assist. Read on for more information.
Lending while leaving ATO debt unpaid
It is possible to lend to the owners of a company where an ATO debt is outstanding, [but] it is critical for brokers and lenders to establish a trail of discovery that shows plans have been considered to enable the Applicant to pay…
Semper: Flexible, fast and competitive
flexibile, fast & competitive Presently, Semper is well positioned to move quickly on settlements that fit the following scenarios: Residential or commercial property in a major city: acquisition for business investment, refinance existing commercial loan, delayed settlements causing bridging requirements (consumer or commercial), or residual stock.. Commercial borrower: may have ATO debt, unfinished financial reports, […]
The Non-Bank Space is Pulling Together!
Semper invites introducers that currently manage investor’s funds to participate in a community and share risk. Non-Bank Space
Commission Trails & White Label Partnerships
Semper announces the introduction of Commission Trails for introducers with loan volumes over $2m/qtr, and ‘White Label’ options for higher volume introducers. trail opportunity Introducers who provide regular volumes of successful loan introductions to Semper may now benefit from trail margins, in addition to the normal 1-2% upfront fees paid at draw-down. Introducers who settle […]
Speed: Another benefit of non-bank lending
Semper was able to close the loan in four days with no valuation, as we knew the anticipated value of the listed property. A simple loan application and a simple solution. Snapshot Borrower Rate % 9.75% LVR % 70% Loan $ $1,800,000 State VIC Property Type Residential speed When speed and convenience matter, rates take second […]
Flexibility: The benefit of non-bank lending
Semper allowed the LVR to be exceeded, on the condition that the borrower make principal repayments during the term of the loan, to the value of the LVR extension. The borrower was able to service 4% per month, paid quarterly in line with their seasonal income. Snapshot Borrower Rate % 9.99% LVR % 74% Loan […]
Covid pain starts to smart in Victoria
Bank mortgagees will rarely participate in a DOCA: more likely to simply take possession. Semper can refinance defaulted bank debt with interest capitalised, releasing the borrower from repayments while they get their affairs in order, and simultaneously settle ATO debt and deferred rent.
Residual Stock Finance
Developer completed a development with bank funding that had come to the end of its term. Semper funded residual stock allowing them to commence their next development.
Finance Under Option
Borrower in External Admin & ATO debt was selling to developer, but their bank wanted them out. Semper quickly refinanced, then post-settlement negotiated terms of the Call Option with the developer to mutual satisfaction.
Partner Buy-Out With Tax Debt
The borrower sought a loan to buy-out a business partner, however was carrying several large ATO debts. Read more to find out how we helped him.
