B. MOSES ASSET MANAGEMENT
Strata loans

A funding solution for a Body Corporate or Owners Corporations to access extra funds through strata loans for emergency repairs or remedial works.

Strata Loans

When major maintenance and repair expenses exceed a sinking fund's resources, strata loans offer alternative funding solutions to meet such unbudgeted expenses.

Unsecured Loans

No Personal Guarantee

Repayments via Strata Levies

Escape Large Financial Burdens

Undertake Renovation, Repairs, and Refurbishment with Strata Loans

What is a strata loan?

A Strata Loan is a loan provided directly to an Owners Corporation or a Body Corporate to fund strata improvement project work like renovations, repairs, structural or aesthetic improvements, general maintenance, green projects, and more. You can also use a Strata Loan to fund a building’s insurance premium and professional services such as litigation and consultancy.

What is The Term Equity Deposit (TED) Equity Release Program?

The Term Equity Deposit Master Trust (TED) offers an equity release vehicle (ERV) for residential property owners to deposit their real estate property as security in exchange for a no-interest loan. The loan can be a securitising cash payment, a lump sum cash, or a line of credit against their house (the Secured Property (SP)).

TED is a product offered under B. Moses Securities PTY LTD. You can talk to your B. Moses Private Wealth Adviser, your Financial Adviser, or an HER mortgage specialist if you consider releasing a portion of your home equity to support your retirement lifestyle.

Our Perspective

The Benefits TED Offers to the Strata Committee

TED is an option for people with no family support to help them financially or who prefer to securitise their home equity for additional income rather than receive family assistance without incurring enormous debt.

The additional income could offer a comfortable financial cushion as the Aged Pension alone, even when supplemented by other income, most often is identified as insufficient to enjoy life despite budgeting.

There is no interest repayment obligation to a borrower for as long as you retain ownership of the security asset or your home. TED generally is a credit product for people with limited or no ability to service traditional debt.

The target market for the TED products is people over 50, retirees, and Australian seniors with a debt-free home or a real estate asset with sufficient equity. Maximum LVR is 50 for all TED credit products. A borrower could use their home as a security for an income stream, a lump sum, a line of credit loan, or a combination. Generally, the borrower could live in their home or move into an Aged Care home and retain ownership of the security asset.

A trigger event for repayment of the loan amount is generally by selling the security asset or when there is a change of ownership or title. 

A tenancy protection provision addresses the rights of all persons other than the borrower to have a right to occupy the security property in an extraordinary event. Such an event is the death of the principal participant (Borrower). The nominated person(s) must be declared at the time of application.

Tenancy protection means the rights of any spouse, partner, or other residents living in the home are protected under a tenancy protection provision even if the principal borrower moves into aged care accommodation.

TED exercises its rights only when the asset is sold or transferred to an Estate, such as independent children.

A tenancy protection provision addresses the rights of all persons other than the borrower to have a right to occupy the security property in an extraordinary event. Such an event is the death of the principal participant (Borrower). The nominated person(s) must be declared at the time of application.

Tenancy protection means the rights of any spouse, partner, or other residents living in the home are protected under a tenancy protection provision even if the principal borrower moves into aged care accommodation.

TED exercises its rights only when the asset is sold or transferred to an Estate, such as independent children.

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