What is bridging finance?
Bridging finance is a form of short-term lending designed to provide temporary capital during a transitional period in a property transaction. It is commonly used when there is a timing gap between the purchase of a new property and the sale of an existing one, or when a borrower needs to…
What is a wholesale investor?
In Australia, a wholesale investor (also referred to as a wholesale client) is an investor who meets certain financial thresholds or professional criteria set out in the Corporations Act 2001 (Cth). Wholesale investors are generally considered to have a higher level of financial sophistication and are therefore permitted to access…
What is a pooled mortgage fund?
A pooled mortgage fund is a managed investment scheme that combines capital from multiple investors and deploys it across a diversified portfolio of loans, each secured by a registered mortgage over Australian real property. Rather than investing in a single loan, investors gain exposure to many loans simultaneously, which…
Independent property valuations are a critical safeguard in property-backed lending. Learn why they matter and how they protect borrowers and investors.
First and second mortgages carry different levels of risk and priority. Understand the key differences and what they mean for property borrowers and wholesale investors.
Loan-to-value ratios (LVRs) are a key measure in property-backed lending. Learn how LVRs work, why they matter, and how they help protect both borrowers and investors.