When you open an investment listing on the SCP Investor Portal, there is a lot of information on the page. That is deliberate.
The detail is there to help investors understand what sits behind an opportunity before deciding whether it is right for them.
A useful way to read a listing is to look at it in two parts. One part describes the property and the investment being offered. While the second part explains the loan itself and how it is expected to be repaid.
At the top of the listing, investors can quickly see the loan category, the mortgage position, and whether the loan is serviced. In the example shown, the loan is a residential investment loan secured by a first mortgage. Those first lines already give a clear indication of the structure of the opportunity followed by a detailed description and location of the security property.
From there, the investment details help explain what is available to investors. This includes the location of the property, the total investment sum available, and the investment interest rate per annum. It is important to read those figures carefully.
The total investment sum available is not the same as the total loan amount. It simply shows how much of the investor allocation remains open at that point in time.
The loan details provide a different set of information. These fields explain the purpose of the loan, the total loan amount, the loan to value ratio (LVR), how loan interest is being paid, and the source of repayment.
In the example listing, the loan purpose is refinance, the LVR is 70%, and repayment is expected through refinancing to a bank or the sale of the security property. Together, those details help show how the loan is structured and how repayment is expected to occur (remember the loan maturity date is anticipated only and can change).
Valuation information is also included, along with the valuation date and valuation method. This helps investors understand the value being relied on, how current that information is, and the method used to assess it.
SCP uses several valuation methods depending on the circumstances of each loan, including registered valuations, comparative market analysis, sale and purchase agreements, and real estate appraisals. You can read more about how we use valuation methods here: Investor portal guide: Understanding property valuations on the portal
The main point is to read the listing as a whole. The return matters, but so do the property, the loan structure, the valuation, and the expected path to repayment. The detail is there to help investors be informed, not overwhelmed. If you have any questions about an investment listing or anything else on the Investor Portal, please get in touch with the SCP team.