“Debt is not a burden – it is a tool.”
Mark Bouris
About
For the Investor
NJ Capital is a special purpose lender that provides secured mortgage loans on property transactions for investors. These investment opportunities offer high fixed income returns starting from 7% per annum.
All of our loans are secured by real property Australia wide. Each transaction is based upon an independent property valuation from a licensed valuer.
We provide transparent and easy to understand summaries for each investment opportunity to our investor base.
We offer easy peer to peer lending where we facilitate the whole transaction from start to finish. We can lend up to a maximum loan to value ratio (LVR) of 75%, depending on the suburb and quality of the asset.
For the Borrower
NJ Capital is a private loan facilitator that assesses each client’s application based on their current needs. We understand that not all clients fit within the rigorous criteria major banks expect, and we offer a more pragmatic approach to mortgage lending.
We can offer private mortgage loans up to an LVR of 75% secured against vacant land, commercial or residential assets.
NJ Capital offers competitive rates whether you are looking to settle a property acquisition, cash out for business purposes or consolidate your finances. We can also assist you with development funding for construction of your project.
At NJ Capital we understand that often, time is of the essence, and therefore we aim to get you access to the funds you need in a flexible and timely manner.
Team
Nicholas Terziovski
With over 18 years experience in law and having practised as a Barrister for over four years, Nick brings a wealth of legal and general commercial expertise to our team.
Nick has represented some of Australia’s leading property development and financial institutions, and has appeared in most jurisdictions, including the Federal Court, the Family Court, as well as the Supreme, County and Magistrates’ Courts, representing clients in a range of litigious matters.
In addition to his commercial practice as a Barrister, Nick also developed a practice in the Family Court jurisdiction, primarily in relation to children’s matters and matrimonial property disputes.
Nick has been an active member of the Outlook Committee at the Urban Development Institute of Australia and is also a member of the Property Council of Australia, and the Law Institute of Victoria. He has also sat as a Tribunal Member for the Football Federation Victoria Disciplinary Tribunal.
Nick is an avid football (soccer) fan and plays Golf in his spare time. He is also fluent in Macedonian.
George Loupos
George has over 20 years’ experience in investment markets across all asset classes and has a Bachelor of Commerce majoring in Corporate Finance from Melbourne University.
Prior to joining Nicholas James Lawyers, George has worked for various banks and fund managers including NAB and Aviva and has acquired a diverse range of investment experience.
Between 2011 – 2015, George worked on the fixed income trading desk at FIIG Securities where he became an expert in Fixed Income Investments. His primary role was to educate advisers on how to incorporate direct fixed incomes into a portfolio. During this time, he managed a fixed income portfolio of over $300M for the Financial Adviser market.
Over the last 5 years, George has been facilitating both primary and secondary security loan transactions, including first and second mortgages with the support of Nicholas James Lawyers.
His principal focus is to coordinate and manage safe and profitable lending opportunities with his clients to increase their investment yield. He currently manages our mortgage book of $100M.
An expert in complicated secured transactions, George can simplify investment opportunities and assist investors in implementing an appropriate investment strategy.
Brittany Afif
Brittany is a finance lawyer at Nicholas James Lawyers who is skilled in providing pragmatic legal advice and easy to follow documentation.
Brittany leads the legal team in private funding transactions and is dedicated to safeguarding her clients interests to ensure they maximise the return on their investments whilst minimising risks.
Brittany manages to stay current in this ever changing field and offers a depth of knowledge to the team and her clients.
In addition to having a Bachelor of Legal Studies, Brittany holds a Masters of Law – Juris Doctor. Prior to practising in the financial law area, Brittany worked in commercial law and civil litigation.
Nicholas Terziovski
With over 18 years experience in law and having practised as a Barrister for over four years, Nick brings a wealth of legal and general commercial expertise to our team.
Nick has represented some of Australia’s leading property development and financial institutions, and has appeared in most jurisdictions, including the Federal Court, the Family Court, as well as the Supreme, County and Magistrates’ Courts, representing clients in a range of litigious matters.
In addition to his commercial practice as a Barrister, Nick also developed a practice in the Family Court jurisdiction, primarily in relation to children’s matters and matrimonial property disputes.
Nick has been an active member of the Outlook Committee at the Urban Development Institute of Australia and is also a member of the Property Council of Australia, and the Law Institute of Victoria. He has also sat as a Tribunal Member for the Football Federation Victoria Disciplinary Tribunal.
Nick is an avid football (soccer) fan and plays Golf in his spare time. He is also fluent in Macedonian.
George Loupos
George has over 20 years’ experience in investment markets across all asset classes and has a Bachelor of Commerce majoring in Corporate Finance from Melbourne University.
Prior to joining Nicholas James Lawyers, George has worked for various banks and fund managers including NAB and Aviva and has acquired a diverse range of investment experience.
Between 2011 – 2015, George worked on the fixed income trading desk at FIIG Securities where he became an expert in Fixed Income Investments. His primary role was to educate advisers on how to incorporate direct fixed incomes into a portfolio. During this time, he managed a fixed income portfolio of over $300M for the Financial Adviser market.
Over the last 5 years, George has been facilitating both primary and secondary security loan transactions, including first and second mortgages with the support of Nicholas James Lawyers.
His principal focus is to coordinate and manage safe and profitable lending opportunities with his clients to increase their investment yield. He currently manages our mortgage book of $100M.
An expert in complicated secured transactions, George can simplify investment opportunities and assist investors in implementing an appropriate investment strategy.
Brittany Afif
Brittany is a finance lawyer at Nicholas James Lawyers who is skilled in providing pragmatic legal advice and easy to follow documentation.
Brittany leads the legal team in private funding transactions and is dedicated to safeguarding her clients interests to ensure they maximise the return on their investments whilst minimising risks.
Brittany manages to stay current in this ever changing field and offers a depth of knowledge to the team and her clients.
In addition to having a Bachelor of Legal Studies, Brittany holds a Masters of Law – Juris Doctor. Prior to practising in the financial law area, Brittany worked in commercial law and civil litigation.
Vince Bengasino
Vincent has over 16 years of experience in financial markets and professional services.
Prior to joining NJ Capital, Vincent set up his own Alternative Investment Management firm and operated in the managed futures asset class. Vincent’s role in that firm was head of operations which encompassed back-office, middle-office, compliance, legal, reporting and risk-management functions.
From 2004 through 2010, Vincent worked for a leading Investment Manager in the managed futures space. His role at the firm encompassed working with both the CEO and COO in growing the firm in all areas. This included writing policy for the firm in compliance and operations, overseeing various projects, setting up off-shore fund structures and client relationship management functions. At the time of leaving this firm, the firm’s assets were at US$2.3 billion which remains the peak assets under management held for that firm.
From 2015 onward, Vincent has filled and continues to fill a number of roles in various professional services firms. The focus has primarily been on private credit transactions involving real estate assets ranging from distressed credit transactions through to large-scale property development projects. Vincent’s experience in facilitating and procuring funding has included sourcing senior debt, mezzanine debt and preferential equity for clientele in their transactions.
Vincent’s focus on attention to detail is second to none. He is also extremely client focused believing that strong relationships result in better outcomes for all concerned. A large part of the focus on relationships is education and Vincent is always happy to spend time educating clientele on the strengths and weaknesses of a process or transaction.
Vincent has a double degree in Commerce (specialising in Finance) and Laws having graduated from Melbourne University in 2004.
Candice White
As Accounts Manager, Candice has developed a trusting relationship with our clients and staff members.
Candice’s key priorities include liaising with investors to ensure that the lines of communication are kept open at all times. Candice’s other key responsibilities include keeping track of all interest payments, managing trust funds and reconciling processed work.
Candice’s strong organisational skills have always superseded expectations, alongside her enthusiasm to complete her responsibilities in a diligent manner.
Vince Bengasino
Vincent has over 16 years of experience in financial markets and professional services.
Prior to joining NJ Capital, Vincent set up his own Alternative Investment Management firm and operated in the managed futures asset class. Vincent’s role in that firm was head of operations which encompassed back-office, middle-office, compliance, legal, reporting and risk-management functions.
From 2004 through 2010, Vincent worked for a leading Investment Manager in the managed futures space. His role at the firm encompassed working with both the CEO and COO in growing the firm in all areas. This included writing policy for the firm in compliance and operations, overseeing various projects, setting up off-shore fund structures and client relationship management functions. At the time of leaving this firm, the firm’s assets were at US$2.3 billion which remains the peak assets under management held for that firm.
From 2015 onward, Vincent has filled and continues to fill a number of roles in various professional services firms. The focus has primarily been on private credit transactions involving real estate assets ranging from distressed credit transactions through to large-scale property development projects. Vincent’s experience in facilitating and procuring funding has included sourcing senior debt, mezzanine debt and preferential equity for clientele in their transactions.
Vincent’s focus on attention to detail is second to none. He is also extremely client focused believing that strong relationships result in better outcomes for all concerned. A large part of the focus on relationships is education and Vincent is always happy to spend time educating clientele on the strengths and weaknesses of a process or transaction.
Vincent has a double degree in Commerce (specialising in Finance) and Laws having graduated from Melbourne University in 2004.
Candice White
As Accounts Manager, Candice has developed a trusting relationship with our clients and staff members.
Candice’s key priorities include liaising with investors to ensure that the lines of communication are kept open at all times. Candice’s other key responsibilities include keeping track of all interest payments, managing trust funds and reconciling processed work.
Candice’s strong organisational skills have always superseded expectations, alongside her enthusiasm to complete her responsibilities in a diligent manner.
Senior Funding
Mezzanine Funding
Equity Projects
Contact
Office
Fax
03 9021 7401