Investors

At Vestyn Financial, we are committed to providing our investors with quality fixed-income investments, predominantly first mortgages, by offering commercial finance to qualified borrowers.

Our investments are backed by a registered first ranking mortgage over Australian real estate. A first mortgage is the first charge over real estate owned by the borrower. If there is a Default in repayment of the Loan, the property can be sold in order to recover the Loan and repay investors.

Vestyn Investment Options

Direct Mortgage Investment

One or a group of wholesale investors invest in a single mortgage security.  Investors can make their own decisions on which loans to invest in with a minimum investment amount of $500,000. Each mortgage investment may generate different income returns with different terms. Investors can only withdraw upon repayment of the loan.

Mortgage Investments are generally for a fixed term of between three (3) months and thirty six (36) months secured by real property within Australia.

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Vestyn Lending Trust

Vestyn Lending Trust is a managed Investment trust.  It is managed by Vestyn Capital.  The funds of different investors are pooled for the sole purpose of first mortgage investment. Investors are the unitholders of the trust and receive interest distributions based on their investment proportion.

Investors' funds are diversified across a range of mortgages that have been selected and approved by Vestyn Capital.  This diversification is an important tool in risk mitigation by reducing the exposure to any single mortgage.We provide registered first mortgages over acceptable real estate and so in the unlikely event that the borrower defaults we can sell the property and recover the loan amount outstanding.

First Mortgage Investment Products

Investment parameters

The types of first mortgage loans  considered by Vestyn Capital include:

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Typical Loan Term: 3  to 36 months.  

Single Loan Amount:  $500,000 to $5,000,000.

Security Property Type:

Standard residential,  commercial, industrial properties, development site with DA and vacant land.

*Exclude specialised  security.

All security property  to be independently valued by panel valuer of Vestyn Capital.

LVR: 

 Up to 70% for residential  

Up to 65% for commercial  

Up to 55% for vacant land

Loan exit:

A clear loan exit  strategy must be provided.

Sale or refinance of  the security property or a facility restructure is acceptable subject to  Vestyn Capital confirming that the proposed exit is reasonably achievable.

Borrower profile:

Experienced property investors/developers with a proven track record or business owners with solid business background.

Australian registered companies/entities only.

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Why trust Vestyn Capital with your money?

a. Our people have over 90 years combined’ of experience in finance and commercial mortgage investments
b.  We have a deep understanding of the commercial mortgage market
c.  Broad experience in the Australian property market
d.  We remain pro-active to changing market conditions and react accordingly
e. In the unlikely event of a borrower defaulting, we have the expertise and right procedures to maximise the recovery of investor funds
f.  We hold an Australian Financial Services License from the national regulator- ASIC
g.  We use third party independent Trustee as our Custodian to hold all mortgages on investors behalf

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