Property Capital combines property, debt and equity modelling with a database of some 100 Australian property lenders.  

We work with you to tailor your loan and capital mix to maximise your profit from the properties you own and the projects you develop.

 

Careful observation shows that we are now operating in a high interest rate environment – and it may well persist for longer than we assume.

In addition, there is a higher chance of profit margins being squeezed by supply chain, cost or trade issues.

This highlights the need for accurate portfolio and project numbers to provide real information to drive important decisions. 

Rough numbers work in a rising market – but can eat you alive in a flat, falling or higher-variation environment.

Our speciality is combining property debt modelling, real lenders and expert experience in settling loans.   

Site Finance

We provide the full range of flexible loan term and LVR options needed for managing the period prior to commencing a development.

Obtaining the permits, managing short-term loans and then meeting the incoming development lender conditions can be a frustrating and sometimes risky process.

We have considerable experience and help you to choose flexible, best priced loans that settle on time and prevent and manage term-expiries, default fees and interest and the other real world problems that can arise with outgoing lenders.

Loan Amount

LVR

Eligible Security

Security Type

Security Location

Repayment Structure

Loan terms

Fees

Typically $1-50M

Up to 60%

Infill or englobo land, in the process of applying for a development permit or finance

First and second registered mortgages

Australia wide, CBD, metropolitan and major regional centres

Interest only options include prepaid, capitalised or monthly

3 months up to 3 years

Negotiable

Urgent Settlements

Chances are if you’re on this page you have been over-promised and been let down. If you require settlement within 3-14 days’ time you run the real risk of being hit with high upfront fees or interest rates.

We have the experience and track record to work quickly with real lenders to ensure that the finance turns up on time at the best price possible for the deal.

Such difficult situations are where we meet many of our long-term clients.

If you are facing an urgent or critical settlement date pick up the phone and call now – 0402 227 738.

Loan Amount

LVR

Eligible Security

Security Type

Security Location

Repayment Structure

Loan terms

Fees

Typically $1-50M

To market limit

Residential, commercial, industrial, completed stock and specialised securities

First and second registered mortgages

Australia wide, CBD, metropolitan and major regional centres

Interest is capitalised into the facility

6 months up to 3 years

Priced to win

Development Finance

Non-bank development finance offers higher loan amounts, less onerous conditions and much faster settlements than banks.

Every project and portfolio has slightly different metrics, market or funding ‘reality’ – and the true/economic cost of the lender conditions determines which lender gives YOU the highest profit for a given project.

We deal with virtually all real lenders and have a long track record of identifying the one that will provide the best terms in the market to make the deal work – either by squeezing extra LVR, using a certain valuer, accepting a certain presale level – or working around the almost endless factors that effect project finance.

If you want real terms from real lenders with quantified cost/term trade-offs, give us a call today.

Loan Amount

LVR

Eligible Security

Security Type

Security Location

Repayment Structure

Loan terms

Fees

Typically $1-50M

Up to 75% of GRV

Property with an approved planning permit for a residential, commercial, industrial or specialised development

Registered first mortgage

Australia wide, CBD, metropolitan and major regional centres

Interest is capitalised into the facility

6 months up to 3 years

Priced to win

Mezz & Pref Equity

When used for the right projects, mezzanine finance reduces the amount of equity contributed by a developer and potentially enables them to spread their capital across multiple projects or get started earlier on a project.

A typical mezzanine facility is secured by a second mortgage on the title, and is paid out after the senior debt (original mortgage) but before any equity.

Loan Amount

LVR

Eligible Security

Security Type

Security Location

Repayment Structure

Loan terms

Fees

Typically $300k -$10M

Up to 80% of LVR or 90% of TDC

Property with an approved planning permit for a residential, commercial, industrial or specialised development

Registered second mortgage, unregistered securities, including mortgage, share charge and step in rights

Australia wide in CBD, metropolitan and major regional centres

Interest is capitalised into the facility

6 months up to 3 years

Priced to win

Improved Property

Factors such as property risk profile, your project pipeline, or desire for maximised cash flow or drawable cash determine the most appropriate long-term loan terms and lenders.

We can help you assess all relevant indicators at a property or portfolio level at no cost. We can help to determine the optimal mix (with real numbers), and help you calculate the economic trade-offs of making a change such as (de-crosscollatoralisation),or leaving things as they are.

Being proactive about long-term loans allows you to set them up well in advance and ensures the lender isn’t creeping the rates up.

Loan Amount

LVR

Eligible Security

Security Type

Security Location

Repayment Structure

Loan terms

Fees

Typically $1-50M

To market limit

Property with an approved planning permit for a residential, commercial or industrial development

First and second registered mortgages

Australia wide, CBD, metropolitan and major regional centres

As required, P&I, I/O, serviced or capitalised

From 3 months up to 25 years

Priced to win

Default Notices/Legal Issues

Are you are in default on a loan?  Has the ATO or another creditor appointed an external administrator whois threatening to place your company into voluntary administration, liquidation or receivership?

Do you have a complex property debt or legal matter? We have extensive experience working through and settling loans that are too hard for other firms looking for easy deals, or too complex for less qualified brokers or require best-in-market from multiple lenders on multiple properties at once.

We don’t shy away from difficult deals, nor do we charge upfront fees.  We can settle in as little as 24 hours – though 5 days is much easier on all parties.

Loan Amount

LVR

Eligible Security

Security Type

Security Location

Repayment Structure

Loan terms

Fees

Typically $1-50M

To market limit

Property with an approved planning permit for a residential, commercial or industrial development

Registered first and second mortgages

Australia wide in CBD, metropolitan and major regional centres

As required, P&I, I/O, serviced or capitalised

From 3 months up to 25 years

Priced to win

About

Property Capital provides free institutional-grade debt and equity modelling for properties, projects, and portfolio.

We confidentially link your information to our database of around 100 of the “real” non-bank, private and institutional lenders to measure the effect on your profit growth or equity return.

BRIAN BUTLER

I have worked exclusively as a non-bank, private-loan and project finance broker since 2002.

I enjoy working with developers and property investors to blend the strategic issue of profit maximisation at a project and portfolio level with the real work of bringing a capital provider that actually settles.  – and turns the “numbers” into banked profits.

 

Brian Butler, Director

Tel:                    0402 227 738

Email:               b.butler@propertycapital.com.au

 

Property Capital Pty Ltd

ABN: 82 158 861 459

 

Office Tel:       07 3130 0761

Address:         9/204 Alice St, Brisbane QLD 4000

Email:             office@propertycapital.com.au

© Property Capital. ABN 82 158 861 459.