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The Mardent Group Finance. Overview for Presentation. Highlight the strategy financiers use to cross collateralise Demonstrate strategy to increase property portfolio via “splitting of financiers” Construction loans and renovations with finance. Fundamentals of Commercial lending
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Overview for Presentation • Highlight the strategy financiers use to cross collateralise • Demonstrate strategy to increase property portfolio via “splitting of financiers” • Construction loans and renovations with finance. • Fundamentals of Commercial lending • Difference from residential lending • Fundamentals of how interest margins are calculated • Hand out review
Industry Update • Interest Rates will increase over 2011. • Easing of credit on residential owner occupied and investment • 95% products being re-released into the market • Money markets have stabilized • Financiers comfortable with valuations flattening but holding • Banks becoming competitive for market share in both retail and commercial markets
Minor Renovations No structural changes (cosmetic) Use equity and re value at end of the process Simple process Borrowings on “total on completion valuation”. Fixed Price Contracts Easier Project Borrowing by switching to commercial / development funding Construction and Renovating
Difference between commercial and residential lending Assessment of a client Template review Interest rate margin Risk analysis Commercial loans and review of facilities. Commercial Funding
Thank You QUESTIONS????????? The Mardent Group PH: 07 3217 9233 FX: 07 3899 9519