Lender & Broker Panel

Revolutionising Real Estate Financing?

We are seeking visionary lenders who are willing to redefine lending norms. Imagine a world where individual Tenants-in-Common (TIC) borrowers have access to a loan product specifically tailored to their unique needs, with security exclusively tied to their TIC share.

Seize the Opportunity Now!

As the real estate market evolves, this is your chance to lead by developing a loan product tailored to the growing TIC borrower community. It’s more than an opportunity; it’s a chance to serve an underserved demographic and gain a strategic advantage as the first mover.

Why this Innovation Matters:

Empowering TIC Borrowers:

  • Provide a lifeline to TIC borrowers who may struggle to secure traditional mortgages.
  • Enable a more diverse range of individuals to participate in real estate investments.

A Competitive Edge:

    • Be recognised as a trailblazer in the real estate financing industry.
    • Attract a burgeoning market of borrowers actively seeking TIC-focused lending solutions, propelling your institution to the forefront.
Generally, when co-owners purchase a property with the intent to reside in it, most lenders will require each co-owner to be jointly and severally liable for the home loan. If acquiring an investment property, there are lenders willing to extend loans to individual co-owners, securing them solely against the respective borrower's Tenant in Common (TIC) share.

Meet TIC Loan Lender - Patrick Chan

Looking for a loan to purchase a TIC share in a property?

Patrick Chan can provide loans to qualified individual tenant in common (TIC) co-owners securing the loan solely against the respective borrower's TIC share.

Contact Patrick today!

Patrick Chan
Home Lending Executive
Mobile: 0499 850 711
Email: Patrick.Chan3@cba.com.au
Retail Banking Services
133 Liverpool Street, Sydney NSW 2000
CommBank.com.au

Private TIC Lenders

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Applying for a Private Loan

For the Bank of Mum & Dad and older homeowners looking to downsize by selling an affordable living space in their family home, Austpac provides a Private Lending and Vendor Loan application service. You can download the Application form that contains the questionnaire and the process.

 

Peer - to- Peer Lenders

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Money Place

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Our Money Market

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BANKS

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Presently, the standard practice among most banks is to mandate that TIC co-owners jointly assume loan responsibilities. As banks see that the ticX has brought liquidity to TIC shares, TIC loans will be more prevalent.

TIC co-owners of a property can apply for a joint mortgage, allowing them to combine their incomes to qualify for a higher loan amount. Once a joint mortgage is approved, all co-owners will be on the mortgage and title deed. Each borrower is jointly and severally liable for the home loan. If one person defaults, then the other people listed on the mortgage will be held responsible

Dual occupancy

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TIC Loans, for Tenant in Common
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