Blog & News
Commercial Masterclass virtual event with Mortgage Business
Listen to Kieran Gill, Semper Director, speak at the 2020 Mortgage Business Commercial Masterclass about how to structure debt to help clients leverage growth, or reduce exposure.
Royal commission: Why lender responsibility for SME loans should not increase
The royal commission, over the preceding weeks, has taken a great deal of time to look at the issue of bank lending to SMEs. Accompanying its many hours of deliberation, the press narrative has dedicated column inches to whether or not there should be greater...
The economics of credit, the Rothschild’s and historic meddling
This week we take a look at the economics of short and long term credit cycles, the roles they play in free markets and we look at the Asian Currency Crisis of 1998 and the Suez crisis of 1875 as demonstrations of how bankers can take control of central banks for...
The China Syndrome
There has been much talk this month about Australia’s over-reliance on the Chinese economy. With two-way trade at A$155 billion this is hardly surprising. Put in perspective trade with China is 2.5 times larger than our second largest trading partner (the U.S.) and...
Interesting times in banking!
Interesting Times In Banking! We predict that Turnbull’s hope of a populist bank-bashing tax hike will prove a political limp squid. The NAB Chairman is screaming for an enquiry into the government’s 6 basis points budget levy, a tax which should have been pitched as...
Two regulators, a government minister and four bankers walk into a housing market…
It is beginning to sound like a joke isn’t it? If you read the news you can’t help tripping over an article speculating on what will happen in the property market. Everybody is talking about it being overheated and yet prices keep going up. This can only mean that...
How to close a private loan
Private lenders are quick decision-makers and can provide a very rapid ‘yes’ or ‘no’ decision some people seem to believe they will be more likely to extract a yes decision if they provide reams and reams of documents all in one go. This couldn’t be further from the...
The Semper sweet spot
At Semper it seems that our sweet spot is loans from $2,000,000 to $10,000,000. We can offer lower sums or higher sums but this is the range in which most of our loans sit. Our favorite loans are short term bridging loans with a prearranged exits, where the interest...
Chapter 11 Filing coming to Australia?
If the PM ever manages to turn himself to something productive, one area where he may find bilateral political traction is in relation to changes to the insolvency laws. In short there are moves afoot to provide a means by which to protect directors of ailing...