Solutions to Complex Problems
Semper provides structured solutions for complex situations which do not suit bank funding.
Working with Borrowers
ATO Debt and Private Credit Solutions
An Honest Valuation
ATO Debt and Private Credit Solutions
Securing Private Credit Loans
ATO Debt and Private Credit Solutions
ATO Debt and Private Credit Solutions
ATO Debt and Private Credit Solutions
The Importance of Being Earnest (in Private Credit)
Andrew Way Writes: The importance of being Earnest in Private Credit
Case Study on Trust Complexities
Brokers should always ask the question of their clients – “and are there any related Trusts?” Snapshot Borrower Rate % 9.75% p.a. LVR % 45% Loan $ $1,550,000 State Qld Property Type Residential the broker’s journey An application was presented for refinance pending sale of an unoccupied, recently constructed luxury investment property on the Queensland […]
Private Credit in 2024
Andrew Way Writes: Private Credit is essentially the provision of loans by non-bank lenders, and investment in them by retail and wholesale investors via fixed income products. These investments are distinct from traditional mortgage bonds by being private and not public holdings and largely untraded, similar but not identical to investments in unlisted asset-backed and mortgage secured mortgage funds in Australia, as with Semper.
The private credit market in Australia is estimated to be greater than $600 Billion as of 2023 (Reuters), as private credit’s market share of the loan market, particularly in commercial and development finance, outstrips banks’ appetites to lend.
Welcoming Neil D’Souza
Please join us in welcoming our new Sales Director, Neil D’Souza
Happy New Year 2024
In 2023 Semper recorded another perfect year of lending and investment management with all loans paying to contract and settling according to loan term. There were zero losses and over 30% of all loans paid out prior to term.
As we head into 2024, we would like to thank all our supporters, investors, warehouse providers, introducers and suppliers. We wish you all a successful year ahead.
Private Credit Market Shake-Up
Andrew Way writes: “2023 has been an interesting year in Private Credit… What matters now is that the market, on a rate for risk basis, has normalised. The cost of capital is once again determined by portfolio performance and strong credit policies.” Semper have a direct line to investors. Contact us today with your commercial loan enquiries.
MortgageBusiness: How could alleged mortgage Ponzi scheme go undiscovered?
Excerpt from MortgageBusiness.com.au. Questions are being asked about regulatory oversight following allegations that a law firm principal may have misappropriated funds from a mortgage lending scheme. Concerns have been raised about the regulatory oversight of managed investment funds after the Victorian Legal Services Board and Commissioner (VLSB+C) confirmed it was conducting a preliminary assessment into […]
