Borrower Solutions
Clear, structured and property-backed private credit for borrowers and funding partners, underwritten transaction by transaction in Australia.
Overview
VERITAS HORIZON works with borrowers and funding partners who need senior-secured capital that banks often cannot write — landholdings before a development approval, residual stock after completion, or selective residential and commercial development. Facilities are originated, documented and monitored on the ground in Australia.
Every facility is underwritten on its own facts. We review the sponsor, the security, planning conditions, buyer or tenant demand, and a refinance or sale path that can be evidenced — not a generic credit score applied to an income-producing book.
Our team draws on more than A$300 million in cumulative investment experience and 17 years of property and land-market work. That combination supports faster, more informed judgements on value, liquidity and exit, and a credit process that stays visible from first enquiry through settlement.
Like other Australian private-credit platforms, we sit beside — not instead of — the banking system. The objective is a dependable funding partner: documented mortgage security, defined terms, and a settlement path that borrowers and their advisers can plan around.
Credit style
Deal-by-deal underwriting
Security
Property-backed first mortgage
Execution
Australian origination
Coverage
Enquiry through settlement
Uses
Typical borrower situations
- Acquire or refinance a landholding or land bank while approvals, rezoning or consolidation proceed
- Fund a selective residential or commercial development with documented security and a defined exit
- Refinance completed but unsold stock so construction debt can be repaid without a forced sale
- Release equity from existing property security to support the next site or working capital
Borrowers
Who we typically work with
- Developers and landholders who need senior debt outside standard bank credit boxes
- Funding partners, brokers and advisers introducing property-backed private credit
- Sponsors able to provide valuation, title, planning and financial information promptly
- Borrowers with a credible exit — refinance, presales, lease-up or an orderly asset sale
Credit
What we review on every application
- Project overview, facility purpose and the use of proceeds
- Borrower, guarantor and sponsor experience, serviceability and skin in the game
- Security property, independent valuation, mortgage priority and approved LVR
- Planning status, construction or holding programme, and market evidence for demand
- Proposed term, interest, fees, covenants and reporting
- Exit strategy and the documents required to complete due diligence
Loan application process
Step 1
Initial enquiry and application
Share a project overview, borrower details and the proposed security property.
Step 2
Preliminary assessment
We review suitability and provide initial feedback, typically within 24–48 hours of a complete pack.
Step 3
Indicative or conditional terms
If the transaction can proceed, we issue an overview of terms and the conditions required to continue.
Step 4
Due diligence and valuation
Supporting documents are verified, an independent valuation is arranged, and the exit is tested.
Step 5
Formal approval and documents
Final credit approval is issued and solicitors prepare loan and security documents for execution.
Step 6
Settlement and funding
Mortgage security is completed, funds are advanced to the nominated account, and monitoring begins.
Other services
View allServices
Investor Solutions
Eligible wholesale investors can access selected Australian private credit opportunities secured by tangible property and documented first-ranking mortgages.
Services
Landholding & Land-Bank Funding
Senior-secured funding for landholders who need time to plan, rezone, consolidate or wait for a development approval — without forcing a sale of the site.
Services
Residential Development Loans
Selective senior debt for residential projects that can be underwritten on feasibility, security and a documented path from construction to sale or refinance.
Services
Commercial Development Loans
Selective senior debt for commercial real estate where income, value-add or a documented lease-up can support a first-mortgage facility through to refinance or sale.
Services
Residual Stock Funding
Senior-secured funding against completed but unsold stock, so a construction facility can be repaid without forcing a discounted clearance.
Eligibility
Discuss this facility
Facilities are subject to credit approval, satisfactory due diligence, documented security and transaction-specific legal documentation. An enquiry is not an offer of finance.
Contact us