Invest
Our investment philosophy
We will not compromise on credit quality.
Our investments
We present risk-mitigated investment opportunities for our investors through facilitating the funding of high quality loans.
These loans are originated, funded and managed via the Vestee platform, and each loan comes with its own specific loan term, risk level and rate of return.
Investors who invest directly have their funds deployed into the specific opportunity they have selected, giving them a fractional participation in the loan.
Dedicated sub-trust structures
Every loan is housed in a dedicated sub-trust structure which holds the security property on behalf of the specific investors in that loan. This structure is insolvency remote and prevents any co-mingling of loans or securities. If Vestee becomes insolvent, individual loans are not affected.
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Step one
Investors select a loan
Funds are deployed into the specific opportunity chosen, not into a pooled fund.
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Step two
A dedicated sub-trust is formed
One sub-trust per loan, holding the first mortgage security on behalf of that loan’s investors only.
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Step three
Securities stay separated
No co-mingling between loans, so one loan’s performance cannot reach another’s security.
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Step four
Insolvency remote
The structure sits outside Vestee, so an insolvency at the platform does not affect individual loans.
Credit assessment
There is no cookie-cutter approach
Each lending transaction undergoes rigorous credit assessment and due diligence. Loan approvals are based on:
Strength of the borrower
While we put strong emphasis on the underlying security property, we ensure we are dealing with a quality sponsor with a strong track record, who also has the capacity to personally guarantee the loan should an enforcement situation materialise.
Quality of the lending transaction
We assess each loan both on its own specific merits and within the overarching economic environment. The transaction needs to stack up when considered in its entirety. We take great care to ensure the transaction we are funding meets all quality control requirements, has the best prospects of success, and is attractive to our investors.
Security type and location
We pay close attention to the nature of the security property, its location in proximity to major facilities and infrastructure, and relative values for similar security properties nearby. Our lending due diligence will also take into account factors including overall property market dynamics and market prospects.