Fixed Interest Investments
First Mortgage backed lending
As a investor lending your funds, you'll be lending your funds to businesses that require immediate funding injections. These borrowers typically require funds within the fortnight and can not wait for a bank, or they may be unable to meet all prerequisites of banks, or they may require more flexible terms than what a bank may offer. As a investor / lender you'll be taking a first mortgage as security on the provided security, which typically comes in the form of real estate. The loan to value ratio, will be determined on the liquidity and quality of the asset, as well as the funds needed by the borrower. Key features of these loans are
- 3 month to 24 month loans
- Interest only monthly repayments or paid in advance
- Return rate of 7% to 14% p.a
- LVR of 40% to 80%
- Property within 30kms of a major city
- Residential or commercial property as security
Put your funds to use today, and start making a return with a first mortgage security!
Private Credit Investments
Second Mortgage Lending
Second mortgage loans typically carry more risk but provide much higher returns. RSC approaches second mortgage loans in a unique way to reduce risk that is unique to us to protect investors /lenders. Typically borrowers seeking these loans are seeking funds for a very short period of time, and have calculated it is cheaper for them to take a second mortgage loan at a higher rate combined with a bank first mortgage rather than refinancing and taking out more equity through a private first mortgage. A number of calculations, and legal steps are taken to protect your interests as part of DD. Key features of these loans are:
- 3 month to 12 month loans
- Interest only monthly repayments or paid in advance
- Return rate of 18% to 26% p.a
- LVR of 40% to 80%
- Property within 30kms of a major city
- Residential or commercial property as security
Work with us today, to learn how to properly do a second mortgage loan and earn a higher return!
