To participate in lending opportunities with us you must qualify as a Sophisticated Investor under the Corporations Act. This generally means having either a net asset base of $2.5 million or an annual income of $250,000+ for the past two years, certified by a qualified accountant.

Returns typically range from 7.5% to 10% per annum, depending on the loan type and structure. Interest is paid monthly or annually in advance and will be outlined clearly when the offer is presented to you, to be confirmed by you on review of the Syndicate Document before settlement.

While each lending opportunity is unique, our loans generally fall within the following parameters:

• Loan amounts: $100,000 to $5,000,000

• Loan terms: 12 to 36 months (most commonly 12 months)

• Interest rates: 7.5% to 10% per annum

• Interest payments: Monthly (or occasionally yearly) in advance

• Security: All loans are secured by a first-registered mortgage

• Loan-to-Value Ratios (LVRs):

  • Up to 65% for standard loans

  • Up to 40% for vacant land

  • For construction loans: up to 40% of the 'as is' value and 55% of the 'completed' value

Each opportunity will include full details, and we encourage all lenders to review the valuation and loan terms before proceeding.

No — each lending opportunity is optional. You can review the details, conduct your own due diligence, and choose whether or not to participate.

No — all fees are paid by the borrower. Lenders receive the agreed interest return without any management, legal or administration fees.

Yes — all loans are secured by a first-registered mortgage over Australian property.

All lenders are required to execute a Syndication Deed prepared by our lawyers, who also provide a Certificate as to Title confirming your legal interest in the mortgage.

We perform thorough due diligence on every loan and we stand behind each and every loan with our own capital. Not withstanding this, it is the responsibility of each lender to conduct their own due diligence and seek professional advice where appropriate.

As with any form of lending, there are inherent risks — such as borrower default or market shifts. However, each loan is secured by a first-registered mortgage, and undergoes thorough due diligence by BSMC and our legal partners. Importantly, we commit our own funds to each and every loan we present, ensuring that we stand behind each opportunity with our own capital. Not withstanding this, it is the responsibility of each lender to conduct their own due diligence and seek professional advice where appropriate.