1 / 12

The Mardent Group Finance

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

alea-duke
Download Presentation

The Mardent Group Finance

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. The Mardent Group Finance

  2. 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

  3. 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

  4. Traditional Structure (Cross Collateralization)

  5. Step 1: Asset Separation

  6. Step 2: Using LOC facility

  7. Step 3: Creating Equity

  8. 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

  9. 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

  10. Thank You QUESTIONS????????? The Mardent Group PH: 07 3217 9233 FX: 07 3899 9519

More Related