Property-secured opportunities for wholesale investors.
Individual first and second mortgage loans, one deal at a time.
Registered security.
Every Loan,
Backed By Property
Every loan is assessed from the security up: the property, the borrower and the exit. If they do not stack up, we do not proceed. These disciplines reduce risk; they do not remove it.
Registered mortgage security
Every loan is secured by a registered first or second mortgage over Australian real estate, across one property or several where the deal calls for it.
Independent panel valuation
Every property is valued by an independent registered valuer from our panel, instructed directly by the Verified Capital team, never by the borrower.
Short terms, identified repayment strategy
Terms of 1 to 24 months, with the repayment strategy identified before settlement.
Documented by solicitors
Every loan is documented by our solicitors, with guarantees and additional security taken where appropriate.
First And Second
Mortgage Positions
Each loan is written in either a first or a second mortgage position. The rate for each loan, and how distributions are paid, are set out in its Information Memorandum, which is provided to verified wholesale clients. Rates are not guaranteed.
1st mortgage positions
Senior secured position, ranking first on title and repaid first in any enforcement.
- Security
- Registered 1st mortgage
- Term
- 1 to 24 months
- Geographic focus
- Metro and select regional markets
- Rate
- Set out in each Information Memorandum
2nd mortgage positions
Ranking second on title, behind a major bank’s first mortgage, which is repaid first in any enforcement.
- Security
- Registered 2nd mortgage
- Term
- 1 to 24 months
- Geographic focus
- Metro and select regional markets
- Rate
- Set out in each Information Memorandum
Important information
This page is factual information about Verified Capital’s lending. It is not financial product advice, a recommendation, an offer or an invitation to invest. Verified Capital Pty Ltd (ACN 665 481 327) does not hold an Australian Financial Services Licence. Details of individual loans are provided only to wholesale clients under section 761G of the Corporations Act 2001 (Cth), and only in an Information Memorandum. Participation is illiquid, with no early withdrawal, and is concentrated in a single loan. The borrower may default, the property may realise less than its valuation or take time to sell, and a second mortgage is repaid only after the first mortgagee. Interests are not bank deposits and are not guaranteed by Verified Capital or any government. You may lose some or all of your capital. Nothing on this page is a statement of past or expected returns. Obtain independent financial, legal and tax advice before participating.
Your Loans,
In One Place
A clear view of every loan from settlement to repayment. The portal is in development; the screens below are illustrations with sample data.
Every loan in view
Status, LVR and repayment date for each loan.
Documents in one place
Information Memoranda, loan documents and updates.
Statements and reporting
Download statements and loan updates through the term.
Secure access
Individual logins for each investor entity.
Your Decision,
Loan By Loan
One loan, one decision at a time. You see the security, the valuation and the exit before you commit, and we do not allocate your funds to any loan you have not approved in writing.
- 01
Verify eligibility
Contact our investor team. We confirm your wholesale client status, by accountant’s certificate or a minimum participation of $500,000, before any loan information is provided.
- 02
Review the loan
You receive the Information Memorandum, the valuation summary and the loan structure, and decide whether to participate.
- 03
Documentation
Our solicitors prepare the documents for that loan. Your participation is recorded in the documents for that loan, which the Information Memorandum explains in full.
- 04
Settlement
Once all conditions precedent are met and documents are certified, the loan settles with a registered mortgage over the property.
- 05
Through the term
We monitor the loan, the security and the repayment strategy, and keep you informed through the term.
- 06
Repayment
When the borrower repays, principal and interest actually received are distributed to the participants in that loan.
Deal by deal
Each opportunity is a single loan to a single borrower, presented on its own merits.
Your decision, every time
You commit only to the loans you approve. We do not allocate your funds to any loan you have not approved in writing.
One loan, identified security
Your participation relates to one identified loan and the property or properties securing it.
Full information
You receive the Information Memorandum, valuation summary and structure for each loan before you commit.
Want to see how we lend?
Speak with our investor team.
Common
Questions
Can’t find what you are looking for? Email invest@verifiedcapital.com.au or call 1300 982 458.
Real Property Security. Disciplined Lending.
Wholesale investors can request loan information from our investor team at any time.
Contact the investor team