Question 1

What is non-bank lending?

Accepted Answer

Non-bank lending refers to finance provided by institutions that are not authorised deposit-taking institutions. Granor Capital sources capital through wholesale investors and deploys it into property-backed loans secured by Australian real estate.

Question 2

Who can invest with Granor Capital?

Accepted Answer

Granor Capital's investment funds are available to wholesale and sophisticated investors only, as defined under section 761G of the Corporations Act 2001 (Cth). The minimum investment is $500,000.

Question 3

What types of property does Granor Capital lend on?

Accepted Answer

Granor Capital lends on residential and commercial property construction and development across Australia. Loan sizes range from $200,000 to $20 million with terms typically between 12 and 24 months.

Question 4

How are loan-to-value ratios assessed?

Accepted Answer

All security properties are independently valued by qualified valuers. Granor Capital applies conservative LVRs of up to 80%, assessed on an as-is or as-if-complete basis depending on the project.

Question 5

How often are distributions paid to investors?

Accepted Answer

Granor Capital aims to provide monthly distributions. The Granor Lending Fund targets approximately 8% p.a., paid monthly within 14 business days of month end. Returns are not guaranteed.

Tag: second mortgage

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