Lending : Guardian Financial Services

Lending

LOAN AMOUNTS $500k to $13m per borrower
TERM 6 month to 2 years
INTEREST RATES commencing from 9.75%
SECURITY TYPES Residential, Commercial, Industrial, Retail, Development sites,

We do not do progressively drawn construction funding.

Please call or email scenario for further information.

We see loans across our books for number of reasons some examples being:

Property/borrower falls outside banks ever changing guidelines.
Personal/business credit history.
Restrictive bank policies eg cash out, ATO debt,
Timing.

Borrower exchanges on property, assured by Manager of Major Bank that they have banked with 20 years no problem, valuation finalised 10 days from settlement date, Bank declines loan. Loan subsequently approved by GFS and loan certified for settlement two days prior to scheduled settlement date.

Developer finalised development had six properties which intends to hold. Needed funds for equity for next development. GFS utilises as supporting security and next development site funded. Developer now in process of finalising DA and taking deal when presales obtained to a construction funder.

Borrower has debt facility with bank based on existing lease. Lease not renewed and bank asks borrower to refinance. GFS has property valued as is taking into account potential to locate new tenant and likely income return. Borrower funds interest for first 6 months after which time a tenant is located and loan will now refinance bank to an institution around 12 month loan expiry.

Investor Speak

“I met my new clients two weeks from settlement following poor advice from their previous broker. Within 24 hours of introducing deal to Guardian we found a solution to the hurdles stopping approval and settlement was reached with days to spare. I continue to utilise Guardian and have no hesitation in recommending them to others in the industry.”

Michael – Finance Broker

“I have known Greg Hawes personally & professionally for 22 years. Greg is reliable and trustworthy and he utilises these attributes in his work environment enabling Guardian to be ethical in all of its dealings, consistent in its approach and decision making, responsive to client needs and most importantly reliable in the provision of capital.”

Brendan – Executive Director Investments

“Having moved from a borrower to an investor I can attribute that this company differentiates itself from its competitors through an ability to efficiently match investor and borrowers needs culminating in quick decisions, conveyed within a clear set of terms and conditions, utilising documentation which is straight forward and easy to interpret. High recommend their services.”

Mark – Director

“ I have borrowed from Guardian on repeat occasions due to the no fuss approach. I have no hesitation in recommending the services of Guardian and regularly refer Greg to my friends and colleagues in the property industry.”

Brett – Developer