Cash Flow Based Rural Lending

Loan Purpose:	Investment & Business Purposes Only / Unregulated – a declaration will be required to this effect Property Purchase Debt Consolidation Refinance Working Capital Farm Improvements
Maximum Loan Amount:	$10M in any one transaction at 65% LVR or 70% with stock mortgage
Minimum Loan Amount:	$200,000-00
Serviceability Evidence:	Demonstratable income of 1.35 to 1 for servicing
Term:	Up to Five (5) years interest only Up to Fifteen (15) years principal and interest repayments
Acceptable Security:	Rural on Eastern Seaboard for 1st party mortgage/borrowers. Company Applicants are also acceptable.
Repayments:	Interest Only monthly in arrears available or Principal and Interest
Valuations:	Will be required on all loans, as instructed by the investor/ mortgage manager – no re-assignments accepted. Valuation Fees will be payable by the borrower upon acceptance of the Prospective Approval Indication.
Insurance:	Each property must be insured for an adequate amount against damage or loss on a replacement basis by an acceptable insurer.
Unacceptable Securities:	Security that is not 1st Mortgage Specialised farming operations Leasehold property Heritage Listed Property Contaminated Sites Remote or Unfavorable property