Want to know more about Southern Cross and our investments? Here are are the answers to all of the common questions people have. Want to know more? Reach out and have a chat.
Southern Cross Investments is the European branch of Exponential Investments Pty Ltd, a registered provider of .
Southern Cross is a branch of Exponential Investments and BHG Global – both are Australian based investment vehicles. Exponential pools investment and provides asset backed loans in Australia. These asset backed loans are administered by Exponential loaning the requested amount to businesses and individuals in Australia while take ownership of underlying property assets as collateral for the loan.
Southern Cross Investments and it’s parent fund take your investment and provide this to companies and individuals looking for capital. These loans are always provided with the proviso that our parent company’s fund – Exponential Investments – takes ownership of the a real estate asset for the period of the loan as collateral for the loan. This real estate is in the form of either commercial real estate or private residential real estate in Australia.
Investment is dispersed as asset backed loans to Australian residents. You can find examples of loans that have been provided here.
Southern Cross Investments is a Limited company in Ireland. As our investors money are invested exclusively in Australia we are deemed to be unregulated under the rules of the Central Bank of Ireland. This means that your investment is not backed by the protections of the Central Bank of Ireland as a regulated financial product would be.
Our investors money is managed via Exponential Investments and BHG Global, our Australia parent company which is registered in and a licensed financial services company in New South Wales, Australia.
No, your investment will be pooled and divided over our entire loan portfolio, spreading out your risk over the entire pool of 250 (and counting) loans. Southern Cross Investments performs thorough due diligence and credit check before offering a loan to a prospective borrower.
You can choose between compound interest, dividend payouts or a mixture of both in the ratio you
decide yourself.
Every investment has risk associated with it. We manage this risk by diversifying the money lent across a pool of multiple asset backed loans. These loans are provided while ensuring that the LVR is not above acceptable levels of 75%. LVR means loan to value ratio, it is the amount our borrowers are borrowing, represented as a percentage of the value of the property they are buying. This ensures that even in an event that markets drop significantly the underlying value of assets still cover the value of the loan.
Yes, Exponential Investing requires a minimum investment of the value of 30,000 EUROs.
Your investment requires a 1 year commitment. You can continue to reinvest your returns or withdrawal them at the end of this period.
A monthly statement will be send to your email outlining your income earned.
Since our initial entry into
the market, we have grown rapidly and currently have over 150 Million Australian Dollars out in loans with
UBS and Deutsche Bank in our portfolio of investors.
If you choose to receive monthly dividend payouts you will be paid at the beginning of each month via wire transfer onto the account of your choice.
Let’s have a chat about how we can help you.