You provide the loan
You agree the amount, interest rate, term and repayment conditions before advancing your capital.
Invest as a lender
Put Streetwise’s mortgage expertise behind your lending decisions.
When you lend through a mortgage, the interest rate is only one part of the decision. You need to understand the borrower, the property securing the loan and how you expect to be repaid.
Streetwise helps you examine a proposed mortgage in the context of your objectives. Our LendRight™ approach brings the market, borrower, property and loan into the assessment, so you can consider the opportunity and its risks together.
Talk to us about mortgage lending ↗See how LendRight™ works →
Become the mortgage holder. Take the role of the bank.
As a private mortgage lender, you advance money to a borrower and hold a mortgage registered against their property as security. You take the role a bank would normally play: providing the loan, agreeing its terms and earning interest on the money you lend.
Your funds are secured against real estate. That makes the property’s value, the equity available and your mortgage’s position central to the lending decision. Streetwise helps you assess those factors alongside the borrower’s ability and plan to repay.
You hold the mortgage
A mortgage is registered against the property as security for your loan. First or second position affects your priority relative to other mortgage lenders.
You receive interest
The borrower owes you interest and repayment of the capital under the agreement. Review when each payment is due and how the loan will be repaid.
Security gives you rights against the property if the borrower defaults; it does not guarantee repayment. The property’s sale value, prior claims and recovery costs can leave a shortfall.
LendRight™: our proprietary risk management model.
LendRight™ is Streetwise’s proprietary model for assessing and managing the risks of private mortgage lending. It brings together four areas of review: the market, the borrower, the property and the loan.
We examine how those factors work together, including the evidence behind the property’s value, the borrower’s circumstances, the mortgage terms and the plan for repayment. This helps you understand the proposed mortgage and its risks before deciding whether to lend.
Streetwise LendRight™Four areas of assessment
The market
Consider the location and the evidence behind the property’s value and marketability. A repayment plan that depends on selling needs to account for the market in which that sale would take place.
The borrower
Understand the borrower’s circumstances, financial information and ability to meet the proposed commitments. The assessment also needs to examine the explanation and evidence behind the intended repayment.
The property
Review the property offered as security, including its use, condition and valuation. Identify issues that could affect its value, financing or sale.
The loan
Examine the amount, mortgage ranking, purpose, term and repayment plan together. Consider what would happen if the borrower needed more time or could not repay as expected.
LendRight™The proposed mortgageAssessed together
Select an area to explore the evidence behind the assessment.
Learn about private lending with Dalia.
Start with the lender’s role, then explore the risks and the difference between mortgage security and an unsecured promise to repay.
Dalia’s video library
Private Lending 101: Be the bank
Dalia explains mortgage security, first and second position, legal preparation and the importance of diversifying your capital.
Watch Dalia’s introduction →
Dalia’s video library
Private lending risks and how to mitigate them
Watch Dalia discuss the risks of private lending and ways to address them when assessing a mortgage investment.
Watch the risk discussion →
Dalia’s video library
Mortgage security or a promissory note?
Understand why a promise to repay and a mortgage against a property offer different protections, and why independent legal advice matters.
Watch Dalia’s explanation →Start with what you need your capital to do.
- 01
Discuss your objectives
Tell us about your lending experience, goals and when you may need access to the money. That conversation helps establish what needs to be considered before reviewing a proposed mortgage.
- 02
Examine a proposed mortgage
Review the supporting information, proposed terms and material risks. Understand the basis of the assessment, any conditions still outstanding and the questions that need answers before you decide.
- 03
Understand the arrangements before funding
Be clear about the legal documentation, costs and administration. Establish who will handle payments and reporting, who you contact with questions and how a missed payment or overdue loan would be addressed.
Consider the income and the commitment together.
What would you receive after costs?
Review the proposed interest and fees, who receives them and any costs you would pay. A quoted rate alone does not tell you the amount or timing of the money you would receive.
When could you need the money back?
A mortgage may not be readily sold or converted to cash when you want it. Consider what a repayment delay would mean for your other plans, not just the scheduled end date.
What happens if the borrower does not pay?
Understand the mortgage’s ranking, the recovery process and the costs that may arise. Other claims, a lower property value or enforcement costs can affect the amount recovered. You could lose some or all of the capital you lend.
$2 billion in mortgages funded across Streetwise’s brokerage business
Get to know the team assessing the financing.
Streetwise’s work spans home mortgages, investment properties and multifamily financing. Meet Dalia Barsoum and the team, learn about our advisory approach and review the brokerage’s experience before starting a lending relationship.
Meet Dalia →Meet the Streetwise team →Talk to Streetwise about lending your capital.
Whether you are exploring mortgage lending for the first time or have experience as a lender, start with a conversation about your objectives and questions.
The enquiry starts a conversation with our team. It does not register you as an approved lender or commit you to an investment.
Need to borrow against a property instead? Explore private mortgage borrowing →