The MINI D Guarantee

Unrivalled peace of mind for your investment.

The MINI D Guarantee (MDG) was established to reassure our lending investors that our number one focus and objective is to ensure that they receive their monthly interest repayments as agreed.

We understand that many of our Lenders are investing for a better financial return than what they would usually obtain from a traditional bank term deposit or other investment. This is why we have established the MINI D Guarantee (MDG).

What does the MINI D Guarantee cover?

Our number one objective is to ensure that all individual Lenders receive the principal and interest due to them on an regular basis.

In the event of a missed repayment by a Borrower, the MDG will be called upon to repay the interest component of any outstanding loan whilst the management team coordinates the recovery process and collection with both our internal and external loan collection agencies.

Whilst we believe the Mini D Guarantee provides meaningful protection for investors, it is important to remember it is not an insurance product. Any capital invested has the same risk as it usually would with any other alternative investment option.

How is the MINI D Guarantee funded?

The money allocated to the Mini D Guarantee fund comes from a percentage of the overall working capital of our business and fees paid by the Borrowers.

When a Borrower has a loan approved, they may be required to pay a monthly risk fee. This amount is calculated by several factors, such as their credit rating from independent credit reference agencies and the overall strength of the home loan application.

Lender Information

Why offer the MINI D Guarantee when most other investment opportunities do not?

The management team of Mini Deposit Home Loans understand that there is always a risk in lending money and that a Borrower may miss a payment or even default on a loan. We are however very confident that our strict assessment systems and Borrower criteria will minimise the risk and help to put our lending investor’s mind at ease.

To demonstrate that we strongly value our lending investors, whilst we have confidence in our Borrower/s selection process, we have also established the MINI D Guarantee fund to be called upon if required.

To date we are proud to announce there has been no claim against our MINI D Guarantee.

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