Low-risk investing
A safe, low-risk investment method for the following reasons:
- Guarantee of receiving monthly installments
By concluding a factoring agreement with Briqwise, we guarantee the payment of the monthly interest and repayment terms. Even if the entrepreneur does not meet his obligations. - First mortgage right ensures repayment of the loan
When providing financing, you have the right to a first mortgage on the financed property. This gives you the right to immediate execution if the entrepreneur does not meet his obligations. - Healthy Loan-to-Value Ratio (LVR)
In order to minimize the risk, it is important that the proceeds in the event of a possible execution exceed the outstanding loan amount. That is why we always aim for an LTV that is less than 75% and we attach great importance to assessing the value of the property. - Personal guarantee
As extra security, the entrepreneur who takes out the loan usually signs privately for financing. This means that in that case, borrowed amounts can be recovered from the entrepreneur. - Additional pledge
If possible, rents and benefits from insurance policies are pledged as additional security.
With Briqwise, you are never alone with your financing.
“They are very clear about what is going to happen and have nice points of contact who can be approached one on one.”
What if the real estate market collapses?
A question we are often asked is what are the risks if the economy is not doing well or, at worst, the real estate market collapses.
Then the value of the property will fall without further ado. However, Briqwise protects you against the consequences.
First of all, because we have a strict and, above all, healthy Loan-to-Value. In the case of an LTv of 75%, the value of the property may fall by up to 25% in times of crisis before the value of the property is lower than the outstanding loan amount.
Second, just as important: we trust the entrepreneur we connect to you with, because we have properly screened him or her. When the entrepreneur has a healthy business, he is simply able to meet the monthly interest and repayment obligations. Then any decline in the value of the property will have no effect on payments and your risk will be limited to a minimum.
Financing the extra securities of real estate with Briqwise
- Continuous monitoring of property quality and entrepreneur's progress
- Personal intake with both entrepreneur and investor
- Careful assessment of entrepreneur's creditworthiness
- Credit assessment of private individuals, including using the BKR test
- Realistic valuation by a certified NVM or NVRT appraiser
Your money in motion
High returns, while maintaining certainty. Want to know more about the options?
Or do you have other questions? Then please contact us.
