RESIDENTIAL
Client Background
Introducer
Key details
Investment details
Client background
Introducer
Key details
Investment details
A high net-worth Singaporean couple seeking a loan to finance a luxury townhouse investment property in the Eastern residential suburbs of Brisbane.
Being a high net-worth non-resident borrower and already having access to very attractive financing packages in the borrower's home country (Singapore), the Challenge of this particular scenario was to attain a lucrative financing package in Australia in order to secure this client's business.
After thorough research on past in-house valuations and consultations with the developer, the introducer with the valuer were able to secure a valuation of $960,000. An increase of $220,000 from the original contract price. This allowed us to introduce an Australian loan product to the borrower which would in turn not affect the borrowers’ Singapore TDSR*, allowing them to secure future investments in their home country unaffected.
As a result, we were able to compel the lender to recognise the increased valuation from the initial contract price which allowed us to offer a more competitive loan amount to the borrowers, at the same time a decreased loan-to-value ratio (LVR). This then enabled us to apply a notably lower interest rate to the final loan.
The client favoured the Australian option we presented and consequently, we were able to secure their business. The purchaser is now earning market rental income on this property and is utilising this income to comfortably meet his loan instalments.
Due to pandemic-related increases in interest rates and rising fund costs, we are supporting clients whose monthly mortgage payments are higher than their rental income from investment properties by devising urgent solutions to alleviate their financial stress.
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A high net-worth Singaporean couple seeking a loan to finance a luxury townhouse investment property in the Eastern residential suburbs of Brisbane.
