Axe Capital Managment

Privacy Policy

​Who are we?

‘We’, ‘us’ and ‘our’ refer to Axe Capital Management (Pty Ltd) and our subsidiaries and related businesses.

Our commitment to protect your privacy

We understand how important it is to protect your personal information.  This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed by law.  It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant laws.

Personal Information

When we refer to personal information we mean information from which your identity is reasonably apparent.  This information may include information or an opinion about you.

The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.

If you are applying for finance we may also collect the ages and number of your dependents and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

The personal information we collect and hold about you may include credit information.  Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults.  Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

If you want to make purchases from or through us we will also collect your payment information.  We will also collect this information if we need to make payments to you.  If you apply for employment with us we will collect information about your work history and ask your referees about you.  If you apply to become a DCI Accredited Member in order to arrange finance contracts through DCI we will collect information to enable us to assess whether you meet accepted standards for finance introducers/brokers.

Why we collect your personal information

We collect personal information for the purposes of assessing your application for finance and managing that finance.  We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.  From time to time we may offer you other products and services.

If you apply to become a finance broker with us or apply for employment with us we will collect information about you to assist us to decide whether to appoint you

We collect payment information in order to process your payments.

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us.  The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting bodies, recoveries firms, debt collectors and lawyers.  We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you.  We may also collect your personal information from credit reporting bodies, finance brokers and other people such as accountants, lawyers and referees.

Do we disclose your personal information?

We may disclose your personal information:

  • to prospective funders or other intermediaries in relation to your finance requirements;
  • to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres, lenders mortgage insurers, trade insurers and credit reporting bodies;
  • to associated businesses that may want to market products to you;
  • to companies that provide information and infrastructure systems to us;
  • to anybody who represents you, such as finance brokers, lawyers and accountants;
  • to anyone, where you have provided us consent;
  • where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth) or in accordance with a subpoena or summons issued by a court;
  • to investors, agents or advisers, or any entity that has an interest in our business; or
  • to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

  1. the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
  2. you have consented to us making the disclosure.

We use cloud storage to store personal information that we hold.  The cloud storage and the IT servers may be located outside Australia.

We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.

Credit information

We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities:

  • credit liability information being information about your existing finance which includes the name of the credit provider, whether the credit provider holds an Australian Credit Licence, the type of finance, the day the finance is entered into, the terms and conditions of the finance, the maximum amount of finance available, and the day on which the finance was terminated;
  • repayment history information which is information about whether you meet you repayments on time;
  • information about the type of finance that you are applying for;
  • default and payment information; and
  • court proceedings information.

We exchange this credit information for the purposes of assessing your application for finance and managing that finance.

This credit information may be held by us in electronic form on our secure servers and may also be held in paper form.  We may use cloud storage to store the credit information we hold about you.

When we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.

We may disclose your credit information to overseas entities that provide support functions to us.  You may obtain more information about these entities by contacting us.

Notifiable matters

The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information.  You may request to have these notifiable matters (and this privacy policy) provided to you in an alternative form.

We exchange your credit information with credit reporting bodies.  We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance and manage your finance.

If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.

You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed.  Please see the heading Access and correction to your personal and credit information below.

Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers.  You can contact the credit reporting body at any time to request that your credit information is not used in this way.

You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud.  For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information.  You can contact any of the following credit reporting bodies for more information:

  • veda.com.au
  • dnb.com.au, or
  • experian.com.au

Access and correction to your personal and credit information

We will provide you with access to the personal and credit information we hold about you.  You may request access to any of the personal information we hold about you at any time.

We may charge a fee for our costs of retrieving and supplying the information to you.

We aim to respond within 30 days of receiving your request.  We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you if we deny you access to the personal information we hold about you.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information.  If appropriate we will correct the personal information.  We aim to provide you with details about whether we have corrected the personal information within 30 days of receiving your request.

We may need to consult with other entities as part of our investigation.

If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

Using government identifiers

When we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law.  We will never use a government identifier to identify you.

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

Sensitive information

We will only collect sensitive information about you with your consent.  Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment.  We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

Further information
You may request further information about the way we manage your personal or credit information by contacting us.

Change in our privacy policy

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations.  Technology is constantly changing, as is the law and market place practices.

As a consequence we may change this privacy policy from time to time or as the need arises.

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ACM can arrange an equity line of credit so that you can access funds quickly against the equity in your assets. Enjoy the convenience of traditional line of credit/business overdraft facility with no fees or fixed terms.

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Privacy Policy

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Residential Property Loans

• Tailor-made for your requirements
• Leading industry experience
• Competitive rates, and fast approvals
• We think outside the box to solve urgent and complex funding issues. If the deal makes sense, we can help.
• Provide innovative solutions
• Over 100 years of
combined experience
We can assist where traditional home loan lenders cannot!

Credit Impaired, Ex-Bankrupt, Non-Conforming

Short-term funding can be used to assist with working capital management and to assist with business funding. We have direct access to private funding, so we can facili- tate your short-term loan or second mort- gage application quickly and provide you with short-term finance.
We work with private lenders who provide finance options to clients including those with a bad credit history. They offer loan terms ranging from 3 months – 10 years to assist with property purchases, business/ commercial loans, car loans, etc. that tradi- tional lenders would otherwise decline.

Same Day Equity Release

With an equity line of credit, you can access capital from your assets today!
• Fast equity release caveat loans • No establishment fees
• No application fee
• No early repayment fee
• No fixed term
• Draw up or down at your convenience • Interest calculated daily
• Short-term interest capitalisation

No-Doc Commercial Property Loans

This is for commercial property loan borrowers who cannot demonstrate serviceability through traditional means but can provide an account- ant’s letter confirming they can afford the loan repayments.

Short-Term Business Loans

Short-term loans are useful:
• To provide a short-term loan to settle an urgent loan where time is of the essence and while you wait for a cheaper loan to be approved and settled.
• Payout the Australian Taxation Office (ATO) with short-term finance, which will then allow you
to refinance with a lower interest rate lender.
• Use short-term finance to payout aggres- sive creditors who are threatening to default you or place you in sequestration, administra- tion, receivership, liquidation or bankruptcy.
• If you are already in default, administration, receiv- ership or liquidation we can arrange a funder to payout the debt with a short-term loan, with the goal to refinance with a private lender for a more extended period while you repair your credit rating.
• To take advantage of a business op- portunity where you need money fast to make sure you don’t lose out.

Private Property Loans

Private property loans are for company borrowers who cannot demonstrate serviceability through traditional means, however, can obtain an accountant’s letter confirming that the corporate borrower can afford the loan repayments.

Credit Impaired Loans

For commercial property loan borrowers who have credit impairments, such as defaults and judgments on their credit files, or are in administration, receivership or liquidation, ACM may be able to implement a financial workout strategy and secure funding to payout all creditors and lenders, etc.

Asset-Based Lending Facilities

Our asset-based lines of lending provide more flexibility and availability compared to the traditional cash flow credit options. This facility has been utilised by many of our clients to meet the operational goals of their project.

Restructuring

Complexities related to financial arrangements can often restrict the growth of your development project. We can help you get back on track by implementing restructuring strategies that will free your project from the impact of inappropriate debt structures

Corporate Financing

With strong relationships with the investors and issuers, we help our clients connect with the right investors efficiently and effectively. Our distribution capability covers both retail and institutional invest

Debt Capital Structuring

Our debt capital structuring team provides integrated funding advice to our clients, related to their acquisition, restructuring, refinancing, and other significant projects

Bridging Finance

ACM provides gap loans or bridge loans designed to function as a temporary source of funding until a permanent arrangement can be made. These loans can be used for any worthwhile commercial purpose and are secured against real property.

Offtake Agreements

ACM have the experience and expertise to arrange offtake agreements if you have a resource or commodity that you are looking to market overseas.

Marketing and Selling Your Development

ACM has the capability via their expert associated partners to market and sell your development. Apart from the traditional selling methods, we also have access to a product that will lock in the future sale price of a buyer’s property at the current market value, for a period of ten years. They need only pay a small option fee. This can be of great benefit to an investor seeking to reduce their risk.

Pre-Sales and Put Options

Many projects do not require pre-sales for funding, but pre-sales will help you get lower loan costs and reduce your risk.ACM can market and sell your property, including pre-sales and we can also arrange a service for developers whereby “standby presales” (put options) on new residential projects are arranged for financing to take place (complying with bank pre-sale requirements).

Stretched Senior Debt

We blend the senior and Junior debts into one funding facility with more flexible terms and conditions than what a senior debt requires. Traditional ratios are stretched so that we can provide a much higher LVR than would be the case with traditional senior debt.

Preferred Equity

We offer preferred equity (PE) financing to borrowers that need more flexibility. It is equity in the project and, as such, it means that the provider will share in the profits of the development project. Preferred equity shares a similar purpose to mezzanine debt finance. It also means you can release equity from an existing project or fund a gap in your capital requirements that aren’t being met by senior debt lenders. PE can be a valuable resource to a developer who could not complete the project without this type of investment because they can’t put in enough of their own money due to other commitments

Mezzanine Finance

Many developments will need to increase their borrowing capacity beyond the LVR and other ratios demanded by traditional institutional lenders. They will need these additional funds to bridge the gap so that they can ensure their development will be completed and sold as planned to meet their profit objective. It funds the gap between the developer’s cash contribution and the first mortgagee’s facility limit. This junior debt is usually secured by a second mortgage.

Development Site Acquisition and Construction Finance

ACM will always get you the best rate and fa- cility to complete the acquisition of the devel- opment site. How? we can source from other funders, including private lenders who are not restricted by bank benchmark financial ratios.

Building Sustainable Competitive Advantage

Clients with quality property projects that require funding over and above senior debt (first mortgage) and junior debt (mezzanine,s econd mortgage) can speak to us about us becoming a partner by way of a joint venture (JV) agreement. This is a value to those who lack the experience and expertise to undertake a property development themselves.

Packaging Complex Funding Structures

We go above and beyond the usual service you may have experienced in the past. We have a team of highly experienced people who can assist you in all areas of your project encompassing valuation,construction, quantity surveying and project management.
If you believe you have a viable development project, then contact us as soon as possible so we can work with you to structure your proposal and make it happen… Fast!

Development Finance Specialists

ACM have access to every institutional lender in this country (and many more from other countries). We also have direct access to private lenders , which means swift decision making and no intermediate broker chains adding unnecessary costs and delay. We arrange:
• Seniordebt
• Mezzanine finance
• Preferred equity or debt-equity • Jointventures