The Problem:

The client needed assistance with attaining a non-bank loan based on a Second Mortgage Security for fit-out expenses of a new commercial premises.

Challenges with the lender:

The client could not provide any income verification documentation and was operating on a short timeline. The client also required a solution that did not impact their cash flow. 

The Solution:

The broker was able to approach a non-bank lender on a no document basis to secure the funding required while capitalising the interest into the loan to assist with the client's cash flow. the lender was able to provide up to 70% LVR for a second mortgage to assist with the client's fit-out expenses with the client clearing the loan from future fit-out rebates from the landlord.

The Problem:

The client owned a successful Real Estate business and wanted a prestige vehicle for chaufferring high-value clients

Challenges With The Lenders:

With the Rolls Royce being classed as an “exotic vehicle”, this ruled out a number of lending options.

The Solution:

Working to a strict purchase deadline, and with the sale stalling, one of our lending partners was able to settle the deal with no additional security.

The purchase was completed within the client’s time frame, and on a 5 year term with a 35% balloon, staying under the client's repayment limit.

The Problem:

The client was after finance secured on a second-mortgage for a complete commercial fit out, that didn't impact cashflow.

Challenges With The Lenders:

The Client was unable to provide any income verification documentation and was working to an extremely tight deadline.

The Solution:

One of our lending partners secured a no-doc loan through a non-bank lender, capitalising the interest into the loan to assist with the client’s cash flow requirements

the lender was able to get the client an interest rate of 15.05% with up to 70% LVR for a second mortgage to assist with the client’s fit-out expenses, with the client clearing the loan from future fit-out rebates from the landlord.

The Problem:

The client had been running a dental practice for 9 years, making $60K turnover per month and needed to refinance multiple existing debts (including $70K of outstanding ATO debt), the client also wanted to purchase new supplies and equipment to support the growing practice.

Challenges With The Lenders:

Banks were hesitant to offer a loan with an unpaid debt with the ATO.

The Solution:

After workshopping the deal with a few lenders, Valiant was able to secure an an out-of-policy approval for a $180K business loan over a 24-month term.

The Problem:

The client needed to secure a loan exceeding $500,000 for a shareholder buyout and had an extremely tight window to finalise the deal.

Challenges With The Lenders:

Whilst the client was open to using their home as collateral, they had already borrowed up to 80% of their home’s value, which meant additional financing from their current bank was unattainable.

Alternative loan options explored by the referrer that were not tied to the home came back with interest rates above 10% and difficult repayment terms — both unacceptable to the client.

The Solution:

After referring the scenario to one of our broker partners the client was able to find and engage a lender that agreed to finance up to 100% of the home’s value without requiring lenders mortgage insurance, securing a 7.99% interest rate and a 30-year repayment term.

The Problem:

The client, a sole trader in a physiotherapy practice, wanted a $250,000 loan to acquire a minority share in the practice, but had no available collateral and no deposit.

Challenges With The Lenders:

Traditional medical lenders like ANZ Health and BOQ Specialist advised the referrer that the client couldn’t afford to take out another loan, due to a high amount of existing debt on the client's residential properties.

The Solution:

After referring the scenario to one of our expert brokers, the client was able to engage a specialised non-bank lender willing to think outside the box to get the deal done.

The lender was able to provide 100% of the requested loan amount with a 15-year repayment term at a 9.3% annual rate.

The lender focused solely on the physio practice’s earnings to assess loan affordability, enabling the deal to meet the required profile to be successful.

The Problem:

The client had six years experience driving trucks in asbestos removal for a company as a PAYG employee and was ready to start subcontracting. To get started he needed the equipment to secure the contract. He was looking to buy a Mercedes A180 rigid site dump truck for $147k

Challenges With The Lenders:

The clients ABN was only 2 weeks old. 

The Solution:

He brought with him a $30k deposit, so one of our lending partners was able to find a loan for the remaining $117k to be repaid over 5 years using work source letters and cash flow projections. The deal was approved in ten days.