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LM Investment Management Ltd (LM) is a specialist Australian income funds manager which distributes its cash, conservative, enhanced and Shariah compliant offerings via licensed financial intermediaries throughout 40 countries.
Throughout its twelve year history, LM has utilised its inhouse property related expertise within its funds to deliver much sought after passive investor income with zero loss of investor capital.
Integral to the impeccable track records of LM's income funds, is a well researched and developed understanding of the dynamic nature of Australia's property market.
As a commercial financier, our involvement in Australia 's property and business sectors affords us the direct opportunity of gathering research and intelligence on all of Australia's property sectors. This research is proactively utilised by our investment committees when assessing assets for our prime income funds.
Objectives
- To treat each loan application on its own merit by understanding the borrower’s specific needs.
- To provide our borrowers a lending solution in the quickest possible timeframe.
- To be flexible, proactive and interactive with each of our clients.
- To establish long term mutually beneficial partnerships with clients, through open communication and efficient service.
- To prove by performance that we are the lender of choice for property finance.
- To assist our clients to be profitable.
How is LM different?
LM's team of skilled property specialists are committed to providing compatible financial solutions to Australia 's business sector, vastly differentiating us from our lending competitors.
When working with LM, you are dealing with real property people experienced in development management, quantity surveying, financial analysis, town planning, project management, cost planning, building and legal issues.
Our due diligence process is hands-on. For each lending transaction undertaken, we ' walk the turf' of a property, understand and be comfortable with the proposal and those responsible for it.
 Professional and responsible lending
LM is established as a highly regarded lender within Australia 's non-bank lending sector, one of the largest growth sectors within the Australian financial services industry. Over the past eleven years, LM has lent approximately AUD$4.5 billion within the commercial, industrial, retail, residential, aged care and construction sectors of Australia's property markets.
LM effectively competes with banks and other prominent financial institutions to seek quality assets for its income funds. Important for the analytical role it plays in the loan evaluation, risk and due diligence process, LM's commercial lending team is committed to expanding its national mortgage broker and direct client network, to ensure continued quality transactions from within Australia 's diverse and expansive property sector.
Personalised service from LM's team of property experts sees a high level of repeat business from established property companies with national and multinational profiles.
Advantages of working with LM
- Hands-on property experience
- Versatile and competitive rates
- Flexible
- Open and regular communication
- Professional, efficient and prompt service
- Impeccable track record of on-time settlements.
Keeping our finger on the pulse
We pride ourselves on our proactive approach to lending. It is important that we meet with our borrowers and their consultant team, and regularly visit property securities to ensure our continued due diligence maintenance process.
We listen to the industry – to financiers and developers – to monitor trends, anticipate movements and identify 'quality rather than quantity’ investment opportunities.
How it works
- Upon receiving your initial phone enquiry, one of our lending specialists will advise if a lending proposal aligns with our lending criteria.
- If the initial enquiry is accepted, we then require detailed proposal information.
- Generally, proposals are reviewed by our credit committee within seven days, dependent on receipt of requested information.
- Approval from the credit committee will result in a letter of offer sent to you the following day.
- On acceptance of the letter of offer being sent to you, our due diligence process will commence.
- The average time from acceptance to settlement is three to five weeks.
Types of lending
The LM Commercial Lending Department provides funding on first registered mortgage basis:
- Development Securities
- Commercial and retail properties,
- Residential properties,
- Industrial properties,
- Aged care properties, and
- Land subdivision.
- Asset lending for owner-occupiers and investors.
- Commercial Office,
- Retail,
- Industrial,
- Residential, and
- Aged care.
Contact the Commercial Lending Department
Head Office: (07) 5584 4500
Freecall: 1800 062 919
Sydney Office : (02) 8268 0100
Email: commerciallending@LMaustralia.com
Warning Statements
Fund performance is not guaranteed and there is a possibility that an investor could suffer a loss and may lose some or all of their principal investment. Investment in the fund is not a bank deposit.
Full details on each of LM's investment funds are readily available via our extensive network of authorised financial adviser groups both domestically and abroad. LM requests investors consult a financial adviser before making an investment decision. Investors must have read and considered the current Product Disclosure Statement (PDS) and any Supplementary Product Disclosure Statement (SPDS) before deciding whether to acquire or continue to hold an investment in any of the fund products issued by LM Investment Management Ltd.
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