Tawa Trade Finance Limited
Register Interest Investor Access
Contemporary commercial property precinct

Wholesale investor information

Tawa Trade Finance Limited

Mortgage lending information for wholesale investors

Secured mortgage lending opportunities assessed transaction by transaction.

Register InterestMortgage Lending Overview
AudienceWholesale investors only
SecurityFirst and second mortgages
FrameworkUp to 75% LVR

Lending framework

Mortgage lending framework

Indicative information for qualifying wholesale investors. Return ranges vary by transaction and are not guaranteed.

01

First Mortgage Note

6.5%-8.0% p.a.

Indicative return

Term
6-24 months
Loan-to-value ratio
Up to 75% LVR
Security
First registered mortgage over property.
Risk considerations
Returns and repayment depend on the borrower, the property, enforcement timing and realisation proceeds.
View framework

02

Second Mortgage Note

9.0%-12.0% p.a.

Indicative return

Term
6-24 months
Loan-to-value ratio
Up to 75% LVR
Security
Second registered mortgage, with a GSA and/or personal guarantee where applicable.
Risk considerations
Second-ranking security is repaid after prior-ranking claims and can involve greater loss, delay and enforcement risk.
View framework

Security structure

How secured exposure is structured

A simple illustration of total lending, borrower equity and the different repayment priorities of first- and second-ranking security.

Illustrative structure

Property value and secured exposure

Total secured lending: 70% LVR

Repayment priority

Security ranking matters

  1. 01

    First registered mortgage

    First-ranking secured claim

  2. 02

    Second registered mortgage

    Repaid after prior-ranking claims

  3. 03

    Borrower equity

    Residual value after secured lending

Illustration only. Security ranking does not guarantee repayment or recovery.

Underwriting

A structured review before funding

Each proposed facility is assessed against its own security, repayment path and legal documentation.

Commercial property underwriting workspace overlooking Auckland
Illustrative underwriting setting. Each proposed facility is reviewed on its own facts and documentation.

  1. Initial assessment

    Review borrower purpose, repayment strategy and requested facility.

  2. Security review

    Assess valuation evidence, title, ranking and total secured exposure.

  3. Credit review

    Consider credit history, servicing, guarantees and transaction risks.

  4. Legal completion

    Complete approved loan and security documentation before funding.

  5. Ongoing oversight

    Monitor material conditions, maturity and the agreed repayment path.

Private investor discussion in a contemporary office
Illustrative discussion setting. Qualification, due diligence and settlement remain controlled offline processes.

Investor process

A controlled path from enquiry to settlement

Private information is shared only after the relevant qualification and confidentiality steps.

  1. Register interest

    Provide contact details, intended investment range and a wholesale declaration.

  2. Initial discussion

    Meet Tawa in person or by video to discuss the general lending framework.

  3. Wholesale verification

    Tawa reviews evidence of the relevant wholesale investor basis offline.

  4. Confidentiality

    Complete the required non-disclosure documentation.

  5. Private information

    Receive controlled access to approved opportunity and legal materials.

  6. AML/CFT and legal completion

    Complete customer due diligence, final documents, approvals and offline settlement.

Register Interest

Assessment framework

Risk management framework

Disciplined assessment. Clear security. Transaction-by-transaction review.

Security position

Review registered mortgage ranking and total secured exposure.

Valuation discipline

Assess current valuation evidence and the basis of the LVR calculation.

Repayment path

Identify the proposed source and timing of repayment before funding.

Legal completion

Complete approved loan and security documents before settlement.

Leadership

Allen Xu

Founder

More than 20 years of finance experience across changing market conditions.

Discuss your investment interests

Register your interest for an initial discussion. Submission does not establish wholesale status or provide access to an investment.

Include the country and area code.

An indicative range only. This is not a subscription.

Tawa verifies the relevant basis separately and offline.

Briefly describe relevant investing or lending experience. Do not upload or provide identity documents.

Do not include identity, AML/CFT, or source-of-funds documents.

Qualification is reviewed separately before private access.

Read Tawa's Privacy Policy.

Submission is an enquiry only. It is not qualification, access, acceptance, an investment, or a subscription.