N1 Holdings Ltd (ASX:N1H) | Private Lender

Private Lending: How to bend credit policy and pricing Few days ago one of our broker partners got a message from us offering prime location residential or commercial 70% LVR at 10.95%pa no monthly line fee. The first enquiry he brought was a super short term one month bridging with option to extend to three months term, and we approved this with even sharper pricing at sub 10%pa! The other broker partner came to us with a $9mil+ house seeking 70% LVR. We like the deal so much we offered the same rate for what we would have offered only for sub $5mil loan size. Then another broker partner speak to us about a deal in South Australia, told us he didn’t give us a deal because we capped this pricing at $5mil. We asked what’s the deal size? It’s over $30mil; the thing is when it comes to this size the pricing sharpen all the way to 11% inclusive of establishment fee and origination fee to the broker partner (noted there might be cheaper option in the market). Both sides almost miss out a good match due to communication. The point we want to make is, credit policy and pricing are usually indicative. Private lending is a covenant lite solution and meant to be very customizable. With global outlook on rates trending downward, although Australia might not see a rate cut anytime soon, however liquidity and cost of fund are definitely improving. There are opportunities to do more deals! We love deal size $200k to $20mil+ up to 24mth. We fund all states of Australia, with appetite for residential and commercial properties.

FBAA conference at Gold Coast! John Lau and Ren Hor Wong joins 600 brokers and lenders at this amazing event

We’ve just got new funding again! We can offer competitive pricing, keen for first mortgage on commercial or residential property, single loan size up to $10mil or multiple asset crossed for larger size. Flexible loan terms, repayment types, locations, etc. Available to fund deals from second week of Nov. We are actively lending with over $210 million in funding capacity (more in Nov!) and hungry for more deals! Feel free to reach out. N1 Holdings Ltd (ASX:N1H) | Private Lender

Join us at Mortgage & Finance Association of Australia (MFAA) New to Commercial Broker Workshop at Leonda By The Yarra today. We have our senior credit on site for immediate yes/no appetite for your private lending scenarios. We are actively lending! What can you expect us to deliver? 1. We can fund from $200k up to $10mil+ within days. We lend our own funds so it's fast and easy. 2. We don't have postcode restrictions 3. We can consider either first or second mortgage 4. We can consider reassigned valuation reports from a reputable valuer 5. We love complex scenarios Some keywords you'll encounter while your clients knock on your doors in Nov/Dec. 1. I need it urgently, in a few days time (or yesterday) 2. I need to fund this as much as possible, in the millions 3. I need to cash out a few million dollars 4. I have a valuation report, can you use this?  We hope to hear from you for confidential scenarios discussion!

November is coming up! Before the start of a new month we usually invite new money or top up investments into our pooled credit fund issued by N1 Asset Management Pty Ltd, an AFSL holder and 100% owned subsidiary of N1 Holdings Limited (ASX:N1H). We are actively lending and always keen for new investments. N1 Holdings currently has access to about $200 million in capital. N1 Holdings Ltd (ASX:N1H) | Private Lender The peace of mind features we offered are: 1. Rigid governance, strong compliance and transparency by an ASX listed investment manager. 2. Independent audited figures and portfolio of loans. Our metrics are straightforward and verified. 3. Pooled by a lender (N1H) that has skin in the game via balance sheet capital. 4. Track record in 100% redemption and distribution quarterly. The fastest redemption we ever delivered is ONE business day! The longest is never more than a few days. The nature of our loan portfolio (combined pooled fund, balance sheet capital, debt & warehouse facilities): 1. Established properties only with approx 80% residentials, for example Sydney houses in Coogee, Darling Point, Double Bay, Vaucluse, CBD apartments, etc. 2. Over 90% loans in Sydney, Brisbane, Melbourne and Adelaide, the rest in regional hubs 3. Weighted average LVR ~65% and resilient average loan term of ~280 days 4. No construction so all valuations are “as is”, & no residual stock hence we don’t have to worry about concentrations. We usually don’t fund these asset ourselves, instead via our network of asset managers or family offices who are better at them. If you’re interested, all it has to be is you’re a wholesale investor that can invest a minimum of AUD$100,000, or A$500,000 will qualify you straight away. For broker partners, your borrowers will have access to immediate loan deployment as we are a direct lender, money sits in account ready to fund deals! We funded an over $15mil prestige property within 5 days! We also have strong appetite in commercial properties, having funded a portfolio of warehouses over $26mil in Aug/Sept. On smaller scale, we also funded $200k to $500k with first and second mortgages. N1 Holdings is a group of companies that hold ACL (Australian Credit License), AFSL (Australian Financial Services License), a member of AFCA (Australian Financial Complaint Authority), a registered financial corporation of APRA (Australian Prudential Regulation Authority),regulated by ASIC and an ASX (Australian Securities Exchange) public listed entity. Please reach out to me via renwong@n1holdings.com.au or my colleague Penny He (FCPA)

Mortgage & Finance Association of Australia (MFAA) New to Commercial Workshop has seen many brokers’ initiatives to expand into commercial lending! Check out our private lending solution on site with our colleagues Wendy Zhang and Jessie Wang

N1 Holdings Ltd (ASX:N1H) | Private Lender is delighted to be the event partner of the Real Estate and Finance Forum held in Mantra Melbourne Epping today. The full day event has brought together more than 160 Australian property market participants including lawyers, real estate agents, economists, financial advisers, bankers, brokers, valuers and lenders to exchange their views and insights. I had the pleasure to be one of the panelists to share thoughts on the current property market from the financier’s perspective. There was also one question from the audience about new technology implementation in the housing market and for me, I just couldn’t wait for the Tesla robots to be released to the general public! Last but not the least, thank Vee R-Byrne MPA Elite Women 🏆-Lifestyle-V Finance💫 for making this event happen and I feel blessed to met with so many amazing people Melanie Rowe Natasha Kollarik Olivia Wang !

Wendy Zhang at the outsource Financial Festival of SMEs, a fantastic opportunity to exchange ideas and knowledge with broker partners. Great turnout! We are actively lending! We lend our own fund, no postcode restrictions, business-sense driven appetite. 1st and 2nd mortgage options.

We have spoken a lot on short term private lending, and many offers in the market that allow up to 36 months loan term in private lending. Over the years we have also funded some deals that have more than 12 months loan term. When we review the stats we realize the optimal point is probably 18 to 24months when a viable exit strategy kicks in. That's why we further improve our offerings, removing some obstacles for borrowers to obtain longer lead time to reach a viable loan exit time frame. 1. pre-defined loan term 18mth or 24mth, saving the rollover fee when loan term expires but need to extend 2. flexible repayment type, which can potentially be quarterly, half yearly or even annual prepayment tailored to borrowers' needs, on a case by case basis 3. flexible minimum loan term to enable early exit, always a happy outcome to deliver exit earlier than planned  4. applicable to residential and commercial properties, there will however be an annual valuation review with minimal cost In assessing a private lending deal, priority is still to focus on borrower/guarantor background, strength of security, overall financial position and exit strategy. N1 offers real flexibility in private lending. Reach out to our friendly team and speaks directly to decision makers. We control and lend our own fund and we don't have restrictive policy. N1H currently manages about $200mil in-house funding, sits in our account ready for immediate deployment. N1H, as a direct lender, aims to uphold elevated standards in private lending through ethical practices, diligent governance, and a commitment to strong compliance. We hold ACL and AFSL, a member of AFCA, registered financial corporation of APRA, Managed Investment Fund regulated by ASIC and an ASX-listed entity.

John Lau at outsource Financial Festival of SME Melbourne! Speak to us at the expo today to find out how he funded a $12mil+ deal in five days.