Our long experience and diverse customer base allow us to put our reputation first. We do this by striving to ensure that all transactions we act on are win-win. That is they are a win for the lender and a win for the borrower. Accordingly we will decline instructions where, in our respectful opinion, the:
- interest rate is unconscionable;
- lender or broker is a loan shark;
- interest rate is excessively high or low in view of the risk involved;
- purported exit strategy is a sham;
- loan involves an unethical broker;
- loan involves an unethical lender;
- borrower is likely to default;
- borrower or lender are elderly or otherwise vulnerable;
- borrower, guarantor or lender lack the skills or acumen to understand the commercial aspects of the transaction;
- brokerage or establishment fee is excessive compared to what the borrower could likely obtain by shopping around;
- lender is lending on a specialised security without the requisite skill set;
- borrower or lender have been convicted of a serious crime;