why ceg direct securities · essentially, borrowers have the ability to draw up or down at their...
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Why CEG Direct Securities
Our Values are at the heart of CEG Direct Securities. They underpin
everything we do and provide the guiding principles for all of our decisions,
activities, planning and behaviour. We achieve our mission through living our
values every day. They are continuously incorporated into everything we do to
ensure our brokers are receiving the best possible products and services.
We will continue
to be Australia’s leading specialist
alternative lender
to commercial
clients and
provide ongoing
assistance to
introducers
To offer tailored
lending solutions
with fast
settlements and
maintain strong
relationships with
our introducers
Every day we
strive to maintain
and improve our
core values of
innovation,
professionalism
and service
FAST SIMPLE FLEXIBLE
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Why CEG Direct Securities?
At CEG Direct Securities we make a lot of exceptions within our
loan assessments to try and find a way to get your loans
approved. We are not an automated credit decision company and
we do not have machines making decisions
We adhere to assisting our introducers through our support team
with alternative loan facilities all day every day and we are
always looking for ways to say yes. Our focus is on assisting our
introducers to achieve loan approvals for every deal
We strongly believe the non-regulated alternative and specialist
lending market is ideal for an introducer to create their own
sector as an expert within a certain niche and utilise our facilities
to become an expert within this market to grow your business and
have the ability to say
“I do loans that no-one else wants to do!”
The key to CEG’s success is what they call ‘skin in the game’ as we are allocating our own funds towards each loan which gives us,
and our introducer panel the edge by being able to settle your
loan applications within 72 hours
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Our Facilities
Fixed Cost
ConstructionLuxury
Loans
Fast Equity
Release,
Line of
Credit™
Bridging
The Gap
Fast and simple
finance to
purchase
assets,
refinance or pay
for expenses
without the
usual delays and
complexities of
major banks
Easy equity
access to an
approved
credit line &
business
overdraft
facility
Providing
construction
funding to
initiate
development
projects
Construction
Completion
Providing
construction
funding to
complete
development
projects
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Quick funding
from the equity
in your luxury
items
Fast Equity Release, Line of Credit™
The Fast Equity Release, Line of Credit™ Facility offers easy
access to funds with a fast and simple caveat if required.
Essentially, borrowers have the ability to draw up or down at
their convenience, making this facility the only of it’s kind in Australia.
Features:
➢ Settlement within 72 hours
➢ Competitive and flexible terms
Flexible
▪ No fixed term
▪ Draw up or down as required
Fee’s
Expertise
▪ No Establishment Fee ▪ No Early Repayment Fee
▪ No Ongoing Management Fee
▪ Settlements within 72 hours on approved applications
▪ Dedicated processing team working with you every step of the way
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Fast Equity Release, Line of Credit™
Facility Progressively drawn payments with the
ability to draw up and down as and
when required with interest calculated
daily
Low Doc The hassle of providing supporting
evidence of income is
eliminated along with no credit checks
Repayment Type Choose between Interest Only paid
monthly in arrears or Interest
Capitalised for up to 12 months
Locations for Property All Australian locations considered
Mortgages 1st Mortgages
2nd Mortgages
Caveat Loans
Assessment No Credit Checks
No Serviceability Checks
No Income Verification
Key Benefits
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Fast Equity Release, Line of Credit™
Loan Amount No minimum or maximum loan amount
Term No minimum or maximum term
Valuation Fee $850 for single security plus $100 per
additional security
Locations for Security All Australian locations considered
Suitable Security We accept all forms of real estate
security
Interest Rate Negotiable for each facility, term, loan
amount etc
Maximum LVR 90% of our valuation assessment of a
30 day auction realisation value
Terms
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Fixed Cost Construction
Our facility is the only of it’s kind, whereby we charge a fixed fee regardless of term, as opposed to a monthly
interest rate meaning there is nothing to pay for the
duration of construction with no hidden surprises
Features:
➢ Injection of working capital for development projects
➢ Settlement within 72 hours
Flexible
▪ No fixed term
▪ Draw up or down as required
Fee’s
Expertise
▪ No Establishment Fee ▪ No Early Repayment Fee
▪ No Ongoing Management Fee
▪ Settlements within 72 hours on approved applications
▪ Dedicated processing team working with you every step of the way
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Fixed Cost Construction
Facility Progressively drawn payments made
directly to the builder as and when
required
Low Doc The hassle of providing supporting
evidence of income is
eliminated along with no credit check
Repayment Type Fixed cost of Circa 15% of the total loan
amount regardless of term due at the
end of construction
Locations for Property All Australian locations considered
Mortgages 1st Mortgages
2nd Mortgages
Caveat Loans
Assessment No Credit Checks
No Serviceability Checks
No Income Verification
Key Benefits
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Fixed Cost Construction
Terms
Loan Amount No maximum or minimum loan amount
Term The term is determined during
assessment and is based on the
builders funding table
Valuation Fee $1,500 for single security plus $100 per
additional security
Locations for Security All Australian locations considered
Suitable Security We accept all forms of Australian real
estate security
Interest Rate No interest rate or monthly payments
Fixed Fee Circa 15% of the total loan amount,
regardless of term, due at the end of
construction
Maximum LVR 70% of construction costs or 100% if
collateral security with equity can be
offered
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Bridging The Gap
If you need to settle on your new investment property whilst
waiting on other asset sales to complete or just require fast
short term funding for any purpose our bridging facility is
available for borrowers without the usual hassles associated
with providing pay slips and tax returns or having impaired
credit.
Features:
➢ No panel valuation or QS required
➢ Settlement within 72 hours
Flexible
▪ No fixed term
▪ Draw up or down as required
Fee’s
Expertise
▪ No Establishment Fee ▪ No Early Repayment Fee
▪ No Ongoing Management Fee
▪ Settlements within 72 hours on approved applications
▪ Dedicated processing team working with you every step of the way
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Bridging The Gap
Facility Fully drawn payment
Low Doc The hassle of providing supporting
evidence of income is
eliminated along with no credit check
Repayment Type Choose between Interest only or
Interest capitalised for up to 12 months
Locations for Property All Australian locations considered
Mortgages 1st Mortgages
2nd Mortgages
Caveat Loans
Assessment No Credit Checks
No Serviceability Checks
No Income Verification
Key Benefits
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Bridging The Gap
Terms
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Loan Amount No minimum or maximum loan amount
Term Up to 12 months term (with the option
of a further 12 month rollover subject
to a reassessment nearer the time)
Valuation Fee $850 for single security plus $100 per
additional security
Locations for Security All Australian locations considered
Suitable Security We accept all forms of real estate
security
Interest Rate Negotiable for each facility, term, loan
amount etc
Maximum LVR 90% of our valuation assessment of a
30 day auction realisation value
Luxury Loan
Our Luxury Loan facility allows you to unlock the equity
against your luxury and classic cars, boats, jewelry, art and
anything of value within 24 hours.
Features:
➢ Settlement within 24 hours
➢ Absolutely no fees
Flexible
▪ No fixed term
▪ Draw up or down as required
Fee’s
Expertise
▪ No Establishment Fee ▪ No Early Repayment Fee
▪ No Ongoing Management Fee
▪ Settlements within 24 hours on approved applications
▪ Dedicated processing team working with you every step of the way
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Luxury Loan
Facility Releasing equity from luxury items for
any purpose
Low Doc The hassle of providing supporting
evidence of income is
eliminated along with no credit check
Repayment Type Choose between Interest Only and
Interest Capitalised
Suitable Security Cars, Boats, Jewellery, Watches,
Artwork or anything of value
Assessment No Credit Checks
No Serviceability Checks
No Income Verification
Key Benefits
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Luxury Loan
Terms
Loan Amount No maximum or minimum loan amount
Term Up to 12 month (with the option of a
further 12 month rollover subject to a
reassessment nearer the time)
Valuation Fee No valuation fee
Interest Rate Circa 2% per month with interest
calculated daily on the current balance
Maximum LVR 50% LVR
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Construction Completion
Our Construction Completion facility centers on the
immediate availability of funds to complete construction
with the ability to retain the first mortgagee if required
Features:
➢ Injection of working capital for completions
➢ Settlement within 72 hours
Flexible
▪ No fixed term
▪ Draw up or down as required
Fee’s
Expertise
▪ No Establishment Fee ▪ No Early Repayment Fee
▪ No Ongoing Management Fee
▪ Settlements within 72 hours on approved applications
▪ Dedicated processing team working with you every step of the way
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Construction Completion
Facility Progressively drawn payments made
directly to the builder as and when
required
Low Doc The hassle of providing supporting
evidence of income is
eliminated along with no credit check
Repayment Type Fixed fee of Circa 15% of the total loan
amount regardless of term due at the
end of construction
Locations for Property All Australian locations considered
Mortgages 1st Mortgages
2nd Mortgages
Caveat Loans
Assessment No Credit Checks
No Serviceability Checks
No Income Verification
Key Benefits
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Construction Completion
Terms
Loan Amount No maximum or minimum loan amount
Term The term is determined based on the
builders funding table
Valuation Fee $1,500 for single security plus $100 per
additional security
Locations for Security All Australian locations considered
Suitable Security We accept all forms of Australian real
estate security
Interest Rate No interest rate or monthly payments
Fixed Fee Circa 15% of the total loan amount,
regardless of term, due at the end of
construction
Maximum LVR 90% of our valuation assessment of a
30 day auction realisation value
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Loan Application Process
Applying for a business loan can be intimidating, however at CEG
Direct Securities the loan application process is simple and
straightforward
The key to our success is, allocating our own funds for each
individual deal which gives us the edge and allows us to settle
quickly with the introducers assistance
This also allows us to make a lot of exceptions with assessment, as
our fully trained loan processors personally review all deals
We will only ask for
documents if they
are absolutely
necessary and work
closely with the
introducer to ensure
the deal is approved
quickly and
efficiently
We have a dedicated
support team on
hand to assist at all
times throughout the
application process
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Introducer Promise
We appreciate all the hard work that you, as introducers put into sourcing
our products for your clients and we want to reward you for your
continuous business
That is why we are focused on providing you with alternative funding
facilities and offer many incredible benefits for introducer referrals
No matter what your qualification you can submit applications to us
immediately
You simply nominate your own referral fee and we pay you directly at
settlement, with absolutely NO clawback.
Through our services we ensure that you can reach your goals without the
usual complications, fees and time spent with traditional lenders
We make a lot of exceptions with our loan assessment and focus on
working together to approve your application quickly
$$$
➢ NO CLAWBACKS
➢ NOMINATE YOUR OWN
REFERRAL FEE
➢ FEE PAID DIRECTLY TO YOU
AT SETTLEMENT
➢ QUICK SETTLEMENTS
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