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Why CEG Direct Securities

Our Values are at the heart of CEG Direct Securities. They underpin

everything we do and provide the guiding principles for all of our decisions,

activities, planning and behaviour. We achieve our mission through living our

values every day. They are continuously incorporated into everything we do to

ensure our brokers are receiving the best possible products and services.

We will continue

to be Australia’s leading specialist

alternative lender

to commercial

clients and

provide ongoing

assistance to

introducers

To offer tailored

lending solutions

with fast

settlements and

maintain strong

relationships with

our introducers

Every day we

strive to maintain

and improve our

core values of

innovation,

professionalism

and service

FAST SIMPLE FLEXIBLE

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Why CEG Direct Securities?

At CEG Direct Securities we make a lot of exceptions within our

loan assessments to try and find a way to get your loans

approved. We are not an automated credit decision company and

we do not have machines making decisions

We adhere to assisting our introducers through our support team

with alternative loan facilities all day every day and we are

always looking for ways to say yes. Our focus is on assisting our

introducers to achieve loan approvals for every deal

We strongly believe the non-regulated alternative and specialist

lending market is ideal for an introducer to create their own

sector as an expert within a certain niche and utilise our facilities

to become an expert within this market to grow your business and

have the ability to say

“I do loans that no-one else wants to do!”

The key to CEG’s success is what they call ‘skin in the game’ as we are allocating our own funds towards each loan which gives us,

and our introducer panel the edge by being able to settle your

loan applications within 72 hours

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Our Facilities

Fixed Cost

ConstructionLuxury

Loans

Fast Equity

Release,

Line of

Credit™

Bridging

The Gap

Fast and

simple finance

to purchase

assets,

refinance or

pay for

expenses

without the

usual delays

and

complexities

of major

banks

Easy equity

access to an

approved

credit line &

business

overdraft

facility

Providing

construction

funding to

initiate

development

projects or

residential

homes

Construction

Completion

Providing

construction

funding to

complete your

development

projects or

residential

homes

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Quick funding

from the

equity in your

luxury items

Fast Equity Release, Line of Credit™

The Fast Equity Release, Line of Credit™ Facility offers easy

access to funds with a fast and simple caveat if required.

Essentially, borrowers have the ability to draw up or down at

their convenience, making this facility the only of it’s kind in Australia.

Features:

➢ Settlement within 72 hours

➢ Competitive and flexible terms

Flexible

▪ No fixed term

▪ Draw up or down as required

Fee’s

Expertise

▪ No Establishment Fee ▪ No Early Repayment Fee

▪ No Ongoing Management Fee

▪ Settlements within 72 hours

▪ Dedicated processing team working with you every step of the way

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Fast Equity Release, Line of Credit™

Facility Progressively drawn payments with the

ability to draw up and down as and

when required with interest calculated

daily

Low Doc The hassle of providing supporting

evidence of income is

eliminated along with no credit checks

Repayment Type Choose between Interest Only paid

monthly in arrears or Interest

Capitalised for up to 12 months

Locations for Property All Australian locations considered

Mortgages 1st Mortgages

2nd Mortgages

Caveat Loans

Assessment No Credit Checks

No Serviceability Checks

No Income Verification

Key Benefits

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Fast Equity Release, Line of Credit™

Loan Amount No minimum or maximum loan amount

Term No minimum or maximum term

Valuation Fee $850 for single security plus $100 per

additional security

Locations for Security All Australian locations considered

Suitable Security We accept all forms of real estate

security

Interest Rate Negotiable for each facility, term, loan

amount etc

Maximum LVR 90% of our valuation assessment of a

30 day auction realisation value

Terms

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Fixed Cost Construction

Our facility is the only of it’s kind, whereby we charge a fixed fee regardless of term with no hidden surprises

Features:

➢ Ability to leave 1st mortgagee in place and construct

with caveat only

➢ Settlement within 72 hours

Flexible

▪ No fixed term

▪ Draw up or down as required

Fee’s

Expertise

▪ No Establishment Fee ▪ No Early Repayment Fee

▪ No Ongoing Management Fee

▪ Settlements within 72 hours

▪ Dedicated processing team working with you every step of the way

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Fixed Cost Construction

Facility Progressively drawn payments made

directly to the builder as and when

required

Low Doc The hassle of providing supporting

evidence of income is

eliminated along with no credit checks

Repayment Type Fixed cost of Circa 15% of the total loan

amount regardless of term

Locations for Property All Australian locations considered

Mortgages 1st Mortgages

2nd Mortgages

Caveat Loans

Assessment No Credit Checks

No Serviceability Checks

No Income Verification

Key Benefits

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Fixed Cost Construction

Terms

Loan Amount No maximum or minimum loan amount

Term The term is determined during

assessment and is based on the

builders funding table

Valuation Fee $1,500 for single security plus $100 per

additional security

Locations for Security All Australian locations considered

Suitable Security We accept all forms of Australian real

estate security

Interest Rate No interest rate or monthly payments

Fixed Fee Circa 15% of the total loan amount,

regardless of term

Maximum LVR 70% of construction costs or 100% if

collateral security with equity can be

offered

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Bridging The Gap

If you need to settle on your new investment property whilst

waiting on other asset sales to complete or just require fast

short term funding for any purpose our bridging facility is

available for borrowers without the usual hassles associated

with providing pay slips and tax returns or having impaired

credit.

Features:

➢ No panel valuation or QS required

➢ Settlement within 72 hours

Flexible

▪ No fixed term

▪ Draw up or down as required

Fee’s

Expertise

▪ No Establishment Fee ▪ No Early Repayment Fee

▪ No Ongoing Management Fee

▪ Settlements within 72 hours

▪ Dedicated processing team working with you every step of the way

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Bridging The Gap

Facility Fully drawn payment

Low Doc The hassle of providing supporting

evidence of income is

eliminated along with no credit checks

Repayment Type Choose between Interest only or

Interest capitalised for up to 12 months

Locations for Property All Australian locations considered

Mortgages 1st Mortgages

2nd Mortgages

Caveat Loans

Assessment No Credit Checks

No Serviceability Checks

No Income Verification

Key Benefits

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Bridging The Gap

Terms

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Loan Amount No minimum or maximum loan amount

Term Up to 12 months term (with the option

of a further 12 month roll over subject

to a reassessment nearer the time)

Valuation Fee $850 for single security plus $100 per

additional security

Locations for Security All Australian locations considered

Suitable Security We accept all forms of real estate

security

Interest Rate Negotiable for each facility, term, loan

amount etc

Maximum LVR 90% of our valuation assessment of a

30 day auction realisation value

Luxury Loan

Our Luxury Loan facility allows you to unlock the equity

against your luxury and classic cars, boats, jewelry, art and

anything of value within 24 hours.

Features:

➢ Settlement within 24 hours

➢ Absolutely no fees

Flexible

▪ No fixed term

▪ Draw up or down as required

Fee’s

Expertise

▪ No Establishment Fee ▪ No Early Repayment Fee

▪ No Ongoing Management Fee

▪ Settlements within 24 hours

▪ Dedicated processing team working with you every step of the way

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Luxury Loan

Facility Releasing equity from luxury items for

any purpose

Low Doc The hassle of providing supporting

evidence of income is

eliminated along with no credit checks

Repayment Type Choose between Interest Only and

Interest Capitalised

Suitable Security Cars, Boats, Jewellery, Watches,

Artwork or anything of value

Assessment No Credit Checks

No Serviceability Checks

No Income Verification

Key Benefits

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Luxury Loan

Terms

Loan Amount No maximum or minimum loan amount

Term Up to 12 month (with the option of a

further 12 month roll over subject to a

reassessment nearer the time)

Valuation Fee No valuation fee

Interest Rate Circa 2% per month with interest

calculated daily on the current balance

Maximum LVR 50% LVR

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Construction Completion

Our Construction Completion facility centers on the

immediate availability of funds to complete construction

with the ability to retain the first mortgagee if required

Features:

➢ Injection of working capital for completions

➢ Settlement within 72 hours

Flexible

▪ No fixed term

▪ Draw up or down as required

Fee’s

Expertise

▪ No Establishment Fee ▪ No Early Repayment Fee

▪ No Ongoing Management Fee

▪ Settlements within 72 hours

▪ Dedicated processing team working with you every step of the way

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Construction Completion

Facility Progressively drawn payments made

directly to the builder as and when

required

Low Doc The hassle of providing supporting

evidence of income is

eliminated along with no credit check

Repayment Type Fixed fee of Circa 15% of the total loan

amount regardless of term

Locations for Property All Australian locations considered

Mortgages 1st Mortgages

2nd Mortgages

Caveat Loans

Assessment No Credit Checks

No Serviceability Checks

No Income Verification

Key Benefits

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Construction Completion

Terms

Loan Amount No maximum or minimum loan amount

Term The term is determined based on the

builders funding table

Valuation Fee $1,500 for single security plus $100 per

additional security

Locations for Security All Australian locations considered

Suitable Security We accept all forms of Australian real

estate security

Interest Rate No interest rate or monthly payments

Fixed Fee Circa 15% of the total loan amount,

regardless of term at the end of

construction

Maximum LVR 90% of our valuation assessment of a

30 day auction realisation value

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Loan Application Process

Applying for a business loan can be intimidating, however at CEG

Direct Securities the loan application process is simple and

straight forward

The key to our success is, allocating our own funds for each

individual deal which gives us the edge and allows us to settle

quickly with the introducers assistance

This also allows us to make a lot of exceptions with assessment, as

our fully trained loan processors personally review all deals

We will only ask for

documents if they

are absolutely

necessary and work

closely with the

introducer to ensure

the deal is approved

quickly and

efficiently

We have a dedicated

support team on

hand to assist at all

times throughout the

application process

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Introducer Promise

We appreciate all the hard work that you, as introducers put into sourcing

our products for your clients and we want to reward you for your

continuous business

That is why we are focused on providing you with alternative funding

facilities and offer many incredible benefits for introducer referrals

No matter what your qualification you can submit applications to us

immediately

You simply nominate your own referral fee and we pay you directly at

settlement, with absolutely NO clawback.

Through our services we ensure that you can reach your goals without the

usual complications, fees and time spent with traditional lenders

We make a lot of exceptions with our loan assessment and focus on

working together to approve your application quickly

$$$

➢ NO CLAWBACKS

➢ NOMINATE YOUR OWN

REFERRAL FEE

➢ FEE PAID DIRECTLY TO YOU

AT SETTLEMENT

➢ QUICK SETTLEMENTS

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