FAQS

How much can I borrow?

The amount you are able to borrow is dependant upon a number of factors. For example, on a property investment transaction, these include the quality of the property being financed, financial capacity of the borrower, sources and stability of rental income and the serviceability requirements of the loan.

Loans can be interest only or amortising (requiring principal reductions during the term). Commercial loans can be secured up to 70% Loan to Value Ratio (LVR), however the property also needs to evidence satisfactory debt servicing, usually to a minimum of 1.5times interest.

How are interest rates structured ?

Hyaline is able to source a wide variety of fixed and variable rate loans. 
When comparing offers between lenders Hyaline ensures that you are fully informed of  the total cost to you in procuring finance from that lender, inclusive of the Banks base rate, interest rate margin, and treasury margins.

What type of security will the financier require?

Most commercial and residential loans require a first registered property mortgage to be offered to the Lender as security. In addition, where the borrower is a company, personal guarantees of the Directors are usually required in addition to a Mortgage Debenture over the company.

The length of funding available usually depends upon the strength and length of the income streams supporting the borrowings. As an example, on an investment property loan, the term of the funding will be directly related to the length of the major leases.

What about construction funding ?

Hyaline is a market leader in arranging development finance across both residential and commercial projects. Hyaline has assisted clients with their finance needs on both the smallest residential renovations right through to multi unit developments over more than $100million in size. We are able to tailor competitive finance outcomes for just about every conceivable development project.

What are Hyaline’s fees and charges ?

In the majority of cases for commercial finance, Hyaline charges an upfront fee for the procuration of client funding, generally on a success only basis. In some cases, we will prefer to receive our fees as trailing income paid by the Bank, particularly on consumer products. Our market strength gives Hyaline significant buying power, which we pass on to our clients.

Does Hyaline provide higher leveraged loans?

Hyaline is a market leader in structured finance solutions for property developers and investors. We have access to a variety of finance products, including mezzanine finance and equity finance. We can also assist with joint ventures and profit share funding arrangements. Hyaline has a strong track record in delivering complex finance solutions across a diverse range of industries.

What about caps, collars and other interest rate protection?

The range of interest rate risk management products available these days is virtually endless. Our experience in advising our clients of the best options for their individual transaction is another of our strengths. Choosing the right interest rate product can significantly lower the clients funding risks in any product.