Commercial and construction loans are story loans. That means that the lender has to know the story behind the planned construction before they're willing to advance funds.

With respect to property development transactions, Vault's role is to:

• Understand the clients requirements.

• Assisting with project feasibility analysis.

• Prepare a credit paper and submission outlining the transaction details, risks and mitigants.

• Maximising lending ratios to allow a higher percentage of total project costs.

• Provide a diverse funding source.

• Negotiating the lowest interest margin and fees.

• Negotiate other terms and conditions with existing and / or new lender(s).

• Negotiating sensible outcomes with valuers and quantity surveyors and other consultants.

• Assist with the implementation of post construction funding.

• Adapting to changing market conditions.