Where Can You Apply Bridge Finance Loans?
Bridge loans — often referred to as bridge finance loans — are short-term funding solutions designed to help borrowers “bridge the gap” between two financial transactions. They’re often used in the property market but can also apply to a variety of business and personal funding scenarios. In this article, we’ll explore the definition of a […]
Can I Buy Another Property with Equity Release?
If you’ve built up equity in your current property, you might be wondering: Can I buy another property with equity release? The answer is yes, and for many Australians, it’s one of the most strategic ways to grow a property portfolio without selling their existing home. But before you jump in, it’s important to understand […]
Can a Second Mortgage Foreclose?
For many property owners, taking out a second mortgage is a way to tap into equity without refinancing their primary loan. But what happens when repayments on the second mortgage fall behind? Can a second mortgage foreclose in Australia? The short answer is yes, but it’s more complex than it sounds. In this article, we’ll […]
Who are the Right Lenders for Short Term Loans When You Have Bad Credit?
Finding the right lender for a short-term loan can feel overwhelming if your credit history isn’t spotless and you need cash fast. Many Australians face this exact situation—needing funding for business needs, urgent expenses, or investment opportunities, but with the weight of a poor credit score holding them back. The good news? You still have […]
Why Loan-to-Value Ratio (LVR) Matters in Private Lending Investments
When it comes to private lending, everyone wants the same two things: strong returns and security. But what separates a smart investment from a risky leap isn’t just the interest rate or term length — it’s the Loan-to-Value Ratio (LVR). In the world of mortgage-backed lending, LVR is more than just a metric. It’s your […]
Why Mortgage-Backed Investments Are Gaining Popularity in Australia
For decades, Australians have followed the familiar playbook: buy shares, sit on property, or park money in a term deposit. But times are changing. With interest rates shifting, markets turning volatile, and investors demanding greater control over their wealth, a quieter revolution is taking shape — and it’s backed by bricks and mortar. Enter: mortgage-backed […]
Understanding the Due Diligence Process in Mortgage Investing
In the world of private mortgage investing in Australia, strong returns and asset-backed security are often front and centre. But what separates a sound investment from a risky one isn’t just the property or borrower—it’s the due diligence done before funds ever change hands. At Pacific 8, we believe that mortgage investment due diligence is […]
How Pacific 8 Assesses Risk for Mortgage Investment Opportunities
In the world of mortgage investing, the promise of consistent returns and asset-backed security is appealing—but success hinges on one thing: how well you manage risk. At Pacific 8, risk assessment isn’t just a step in the process. It’s the process. Every decision we make, every deal we fund, and every return we help generate […]
How to Secure Property Development Finance Without a Bank
Securing property development finance through a traditional bank can feel like navigating a maze of red tape. For many developers in Australia, particularly those tackling mid-sized or time-sensitive projects, the hurdles of bank lending, from strict criteria to long processing times, can halt progress before the first brick is laid. Fortunately, there are alternative property […]