Case studies and Just Funded

What we have funded.

Real deals from our desk, and how we read them.

Case studies

ATO debtMorayfield, QLDRefinance and equity release
Bank debt, a caveat and an ATO debt. Cleared in one facility.
Loan
$727.5K
Rate
7.85%
LVR
75% LVRStandard max 75%
The scenario
A construction business needed to refinance its mortgage, pay out a business caveat and clear an outstanding ATO debt.
The catch
Three separate creditors sitting behind one property, one of them the ATO. Most lenders won't touch live tax debt.
How we read it
Assessed on the equity, not the debt list. One facility to refinance, pay out the caveat and clear the ATO.
$727.5K settled in 7 days. Bank refinanced, caveat paid out and the ATO debt cleared, all from one facility.
RefinanceBelfield, NSWRefinance and cash out
The incumbent lender wouldn't move the date. We settled in 9 days.
Loan
$956.6K
Rate
7.75%
LVR
39.9% LVRStandard max 75%
The scenario
A refinance with cash out against a $2.4M property, with the incumbent lender demanding payout on a fixed date.
The catch
A hard deadline from the outgoing financier. Miss it and the borrower was exposed.
How we read it
Moved the deal through credit and settlement inside the deadline at a conservative LVR, releasing extra cash.
Settled in 9 days. Deadline met, $956.6K facility in place and extra cash released.
DevelopmentBurnside, QLDNew purchase
Offshore guarantor. Developer sale. Credit approved in 8 days.
Loan
$588K
Rate
7.95%
LVR
70% LVRStandard max 75%
The scenario
A straight purchase through an established developer, with the guarantor behind it based overseas.
The catch
An offshore guarantor needs independent legal advice arranged first, a step that stalls most bank timelines.
How we read it
Built the offshore legal advice into the plan from day one and assessed the deal as a standard purchase.
Credit approved in 8 days. Settlement proceeding as a straight purchase, offshore guarantor included.

Recently funded.

Just fundedDover Heights, NSWRefinance and ATO payout
An existing lender and the ATO, both paid out on the day it settled.
$4.42M
55.25% LVRStandard max 75%
8.35% · 12 months
Read the deal
The scenario
A company borrower, with three trusts and four guarantors behind it, held a house in Dover Heights carrying an existing facility and an outstanding ATO position.
The catch
Most lenders want a tax debt resolved before they will look at a deal. This borrower needed the funding in order to resolve it.
How we read it
Valued at $8M, the security carried both debts comfortably. We paid the existing lender and the ATO directly at settlement, so neither had to be solved first.
$4.42M settled at 55.25% LVR. The existing facility and every ATO liability were cleared from one first mortgage.
Just fundedSouth Penrith, NSWEquity release
Three business debts cleared, with working capital left over.
$640K
55.65% LVRStandard max 75%
7.99% · 12 months
Read the deal
The scenario
A business owner with a project under way needed to clear the ATO and two business lenders, and fund the work still to come.
The catch
Short-term business debt stacked against one property, and a project that still needed cash to finish.
How we read it
Assessed on the security and the exit. We paid the ATO and both lenders directly at settlement and released the balance as working capital.
$640K settled at 55.65% LVR. The ATO and two business lenders paid out, and working capital released for the project.
Just fundedBurton, SAEquity release
A trading produce business, released equity on a 24-month term.
$300K
23.08% LVRStandard max 75%
8.45% · 24 months
Read the deal
The scenario
A produce business released equity from its property in Burton, South Australia.
How we read it
Low gearing, a business purpose stated in one line, and a first registered mortgage. Approved on a 24-month term.
$300K settled at 23.08% LVR on a 24-month term.

Client details anonymised. Figures reflect the approved structure and are subject to Titan Capital's credit criteria. Terms and conditions apply.

Examples, not real clients

The deals we see.

One for each kind of deal we're built for.

ATO debt at settlement
An ATO debt and a nervous lender, cleared from one first mortgage.
Example · Blacktown, NSW · $650K at 46% LVR · Standard Term
A date that can't move
Buying into a business with ten days to settle.
Example · Brunswick, VIC · $700K at 39% LVR · Standard Term
A trust borrower
A family trust with a corporate trustee, funded on the security.
Example · Toowong, QLD · $1.2M at 65% LVR · Standard Term
Income that's hard to show
Strong security, financials not lodged yet.
Example · Glenelg, SA · $900K at 55% LVR · Standard Term
Residential land
A vacant metro block, put to work for the business.
Example · Carlingford, NSW · $1.1M at 55% LVR · Land Plus
A big one
A $9M facility against a harbourside home.
Example · Mosman, NSW · $9M at 53% LVR · Mega Loan

Scenarios are representative of the deals we assess. Details are illustrative and are not real clients. Indicative terms only, subject to Titan Capital's credit criteria. The deal of the week on the home page is an illustrative example in the same way, so it isn't listed with the funded deals above.

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What we have funded.

Case studies

Bank debt, a caveat and an ATO debt. Cleared in one facility.

The incumbent lender wouldn't move the date. We settled in 9 days.

Offshore guarantor. Developer sale. Credit approved in 8 days.

Recently funded.

An existing lender and the ATO, both paid out on the day it settled.

Three business debts cleared, with working capital left over.

A trading produce business, released equity on a 24-month term.

The deals we see.

An ATO debt and a nervous lender, cleared from one first mortgage.

Buying into a business with ten days to settle.

A family trust with a corporate trustee, funded on the security.

Strong security, financials not lodged yet.

A vacant metro block, put to work for the business.

A $9M facility against a harbourside home.

Two lines is all we need.