structured
or bridging
borrowing
In simple terms
You should expect the simplest solution to your property-secured funding needs. Semper offers the following products, tailored specifically to the needs of self-employed, businesses and SMEs.
commercial term loans
- Property-secured finance as a first or second mortgage
- Terms from 3 months to 24 months
- Interest fixed for loans up to 12 months, or pegged to RBA for longer terms
- Interest can be prepaid for full or partial term, or paid monthly
- Where interest is serviced, proof of serviceability can be satisfied by cash flows or an Accountant’s Declaration
bridging loans
- Property-secured loans to be repaid by a future event such as property sale, refinance or from an alternate funding source
- First or second mortgages
- Terms from 3 to 12 months
- Interest fixed for term
- Interest can be prepaid for full or partial term, or paid monthly
- Where interest is serviced, proof of serviceability can be satisfied by cash flows or an Accountant’s Declaration
construction
- Residential construction loans on a first mortgage basis
- Rates pegged to RBA
- Borrowers must have licensed builder, feasibility and QS
- Terms up to 24 months, with 7-10 staged draw downs
- Interest prepaid for term
What you can expect from us
- A very quick ‘Yes’
- Rates that don’t change
- Dealing directly with us as lender
- Competitive rates
- Rapid drawdown
- Simple application process
- Supportive and understanding 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
