How We Operate
A comprehensive, process-driven approach to construction lending that prioritises investor security, transparency, and consistent returns through rigorous due diligence and active management.
Investment Process
From initial enquiry to receiving returns, our structured process ensures security, compliance, and transparency at every stage.
Initial Consultation & Qualification
We begin with a detailed consultation to understand your investment objectives, risk tolerance, and return expectations. Our team assesses suitability and provides comprehensive information about our investment products.
- Complimentary investment consultation
- Review of investor objectives and constraints
- Detailed explanation of investment structure
- Assessment of wholesale investor status (if applicable)
Information & Due Diligence
Investors receive detailed documentation including our Information Memorandum, financial statements, loan portfolio details, and legal agreements. We encourage thorough review and questions.
- Comprehensive Information Memorandum
- Historical performance data and analytics
- Current loan portfolio composition
- Legal documentation and terms
Application & Onboarding
Complete the investment application with full KYC/AML compliance procedures. Our team guides you through documentation requirements and answers any questions during the process.
- Streamlined application process
- Identity verification and compliance checks
- Trust deed or investment agreement execution
- Secure funding instructions and confirmation
Investment Deployment
Your capital is deployed into the loan portfolio according to agreed terms. All investments are secured by first registered mortgages over real property with comprehensive security measures.
- Immediate deployment into secured loans
- First registered mortgage security
- Portfolio diversification across multiple loans
- Comprehensive insurance requirements
Active Management & Monitoring
Our experienced team actively manages the loan portfolio with ongoing risk monitoring, compliance oversight, and regular borrower communication throughout the loan term.
- Daily portfolio monitoring and review
- Regular site inspections and progress assessments
- Proactive communication with borrowers
- Risk management and early warning systems
Returns & Reporting
Receive regular returns according to your investment terms, with comprehensive reporting on portfolio performance, loan activity, and market conditions.
- Monthly return distributions (if elected)
- Quarterly investor statements and reports
- Annual audited financial statements
- Online portal access for real-time information
Security & Protection
Multiple layers of protection safeguard investor capital throughout the investment lifecycle.
First Mortgage Security
All loans secured by first registered mortgages over real property, providing priority claim over assets.
Conservative LVR
Maximum 65% loan-to-value ratio ensuring significant equity buffer for investor protection.
Personal Guarantees
Director guarantees provide additional recourse and ensure borrower accountability.
Insurance Requirements
Comprehensive insurance covering construction risks, public liability, and contract works.
Property Security
- • Independent property valuations
- • Registered first mortgage position
- • Regular revaluation protocols
- • Title insurance where appropriate
Financial Covenants
- • Minimum equity requirements
- • Presale or takeout requirements
- • Progress payment milestones
- • Interest service obligations
Ongoing Monitoring
- • Regular site inspections
- • Quantity surveyor reports
- • Financial performance reviews
- • Early warning systems
Rigorous Due Diligence
Every potential borrower undergoes comprehensive assessment before loan approval. Our experienced credit team evaluates track record, financial capacity, project feasibility, and security adequacy.
Borrower Assessment
Credit history, experience, financial position, and track record analysis.
Project Evaluation
Development feasibility, market analysis, cost review, and exit strategy.
Security Valuation
Independent valuation, LVR calculation, and security sufficiency assessment.
Legal Review
Title searches, planning approvals, contracts, and legal documentation.
Approval Criteria
Our credit committee reviews all applications meeting these minimum criteria. Approval requires unanimous committee consensus.
Risk Management Framework
Comprehensive risk identification, assessment, and mitigation strategies protect investor capital across all market conditions.
Portfolio Diversification
Spread risk across multiple projects, locations, borrowers, and development types to minimise concentration risk.
- • Maximum 15% per single borrower
- • Geographic diversification strategy
- • Mix of project types and sizes
- • Staggered loan maturity profile
Active Monitoring
Continuous oversight of loan performance, project progress, and market conditions enables early intervention when required.
- • Monthly site inspections
- • Progress reporting requirements
- • Financial covenant monitoring
- • Market condition assessment
Compliance & Governance
Robust compliance framework and independent oversight ensure regulatory adherence and best practice governance.
- • AFSL compliance requirements
- • Independent trustee oversight
- • Regular external audits
- • Board and committee governance
Experience Our Process Firsthand
Schedule a consultation to learn more about how our rigorous processes and security measures can deliver consistent, protected returns for your portfolio.