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, or
- start-up.
.
- Where the borrower is seeking $500,000 – $5,000,000 on 1st Mortgage basis, or 2nd Mortgages from $200k
. - Loan interest prepaid (capitalised) for term, or servicing available on evidence of positive cashflows.
. - Terms from 3 months. Fees from 2.2%. White Label opportunities available.
| Price Guide by LVR | First Mortgage Prices From: |
|---|---|
| 50% | 9.75% |
| 60% | 10.00% |
| 65% | 10.25% |
| 70% | 10.50% |
2nd Mortgages from 14%
| Indicative LVRs by Property Type | |
|---|---|
| Residential | 75% |
| Commercial/Industrial | 65% |
| Agrucultural | 60% |
| Land with DA | 60% |
| Land without DA | 50% |
Commercial lending
Semper is a leading non-bank lender specialising in property-secured loans to businesses in any industry with loan sums from $250K – $30M 1st and 2nd mortgages Australia-wide up to a maximum LVR of 80%.
Semper offers a wide range of flexible products tailored specifically for you. We specialise in all your short-term and bridging finance needs.
We don’t do loans the banks won’t, but assist when the banks can’t, usually due to timing or circumstance.
COMMON LOAN USES
Rapid property acquisition pending alternate finance;
Managing cash-flow challenges, such as:
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
- 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
