Meet Susan Lawrence – Financial Controller

At Australian Securities, we believe our people are our greatest strength—and today, we’re shining the spotlight on Susan Lawrence, our Financial Controller. With a career that spans continents, funds, and finance teams, Susan brings both depth and warmth to her role. We caught up with her for a candid chat about her journey, what motivates her, and the lessons she’s picked up along the way.

Q&A with Susan Lawrence

What is your role and how long have you been at Australian Securities?

I’m the Financial Controller, and I’ve been with Australian Securities since October 2023—so just over 18 months now.

What do you like most about your job?

It’s a diverse role. Yes, there are core accounting tasks that repeat monthly—like interest collection and investor distributions—but each cycle brings its own challenges, and that keeps things interesting.

I also really enjoy being in the office every day with a great team. They’re smart, fun, and genuinely care about the work. Plus, there’s always something going on—it keeps me on my toes and gives me lots of opportunities to find ways to improve processes.

What’s one of the most important lessons you’ve learned in your career?

Slow down. It’s always better to pause and think than to act quickly and regret it.

Also, trust your instincts. If something feels off, don’t ignore that feeling—take the time to explore it. And use the team around you. I’ve learned a lot from working with people who bring different perspectives and experiences to the table.

Which of Australian Securities’ values do you resonate with most, and why?

Trustworthy, definitely. We’re constantly balancing the interests of both borrowers and investors, so it’s crucial that we act with transparency and integrity. Without trust, I wouldn’t want to be here—it’s that important.

I also connect with Curious—I think staying curious is the best way to keep life interesting, both professionally and personally.

How do you like to spend your time when you’re not working?

I’m usually either Netflix-and-chilling with the family (when I can get my young adult kids to stay home!), out for a run, or enjoying a meal and wine with friends.

Running is a big one for me—I’ve done three marathons. It clears my head, and I sometimes run with one of my sons, which is always a bonus.

What would you do if you weren’t working in finance?

I’d love to be an author—I’ve always been drawn to storytelling. Fiction is my favourite, especially stories that feel real and relevant, even when they’re rooted in science fiction or fantasy. I’d also happily take up acting if given the chance. Something creative and expressive!

What are you currently reading?

I’m reading Stone Yard Devotional—I’d give it a solid four stars. I track all my reads on the Goodreads app. I do love a good review!

Has anyone—or anything—inspired you in your career?

I’ve worked with some really great people over the years who’ve taught me valuable lessons: don’t accept things at face value, always understand the detail, and most importantly, treat people with kindness. You never know what someone might be going through.

Any advice for current or prospective clients?

If it sounds too good to be true, it probably is. Look at the track record and history of who you’re investing with. And don’t be afraid to pick up the phone—speak to your advisor or the investment firm directly. Communication is key, especially when it comes to financial decisions.

Stay tuned for more insights from our talented team. We can’t wait for you to get to know the people who make Australian Securities the trusted partner it is today!

Unlock Your Construction Potential with Our Flexible Lending Solutions

When it comes to funding your construction projects, securing the right loan is crucial to ensure both progress and profitability. Whether you’re a developer, investor, or homeowner looking to build or renovate, we offer tailored financial solutions designed to meet the unique needs of your project. Here’s why our lending options stand out from the rest:

  1. Lending up to 66% of the “On Completion” Value Net of GST
    Our loan structure allows you to borrow up to 66% of your project’s “on completion” value, net of GST. This means you can secure a larger loan based on your property’s anticipated value once construction is complete, providing you with a greater level of funding flexibility.

  2. Full Construction Contract Funding
    Unlike traditional lenders, we fund the entire construction contract amount, which includes GST, contingency, and open space allowances. This comprehensive funding approach ensures you have the full financial support needed to cover every aspect of your construction project without the stress of unexpected costs.

  3. Capitalise Interest or Pay Monthly
    We understand the importance of managing your cash flow during a construction project. That’s why we give you the option to either capitalise your interest within the loan amount or pay it monthly, provided you can demonstrate the required serviceability evidence. This flexibility allows you to choose the most suitable repayment method for your financial situation.

  4. Quicker Turnaround Time Than Major Banks
    Time is of the essence when it comes to construction projects, and delays can lead to costly setbacks. Unlike the major banks, we offer a faster turnaround time, ensuring that your loan application is processed quickly so you can get started on your project without unnecessary delays.

  5. Prompt Progress Payments
    We understand that timely progress payments are crucial to keeping your construction on track. That’s why we ensure that progress payments are made within 24 hours of receiving a quantity surveyor or valuer’s report. This speed ensures that contractors are paid on time, helping to maintain strong working relationships and keep your project moving forward.

  6. Pre-Sale Requirements Assessed on a Case-by-Case Basis
    Every project is unique, and we recognize that pre-sale conditions should not be one-size-fits-all. Our team assesses pre-sale requirements on a case-by-case basis, providing you with the flexibility you need based on your specific circumstances.

  7. Competitive Interest Rates Starting from 8.65% per Annum
    We offer highly competitive interest rates starting from 8.65% per annum, providing you with an affordable option to fund your construction needs. With our transparent pricing, you can plan your project’s finances with confidence.

Conclusion: Our construction lending solutions are designed to offer you the flexibility, speed, and financial security that traditional lenders often can’t provide. From higher loan-to-value ratios and full contract funding to competitive interest rates and rapid progress payments, we ensure that you have everything you need to bring your construction project to life.
Contact us today to discuss how we can support your construction goals with a loan that works for you!

Interest rate outlook & Australian Securities Term Fund

The recent rate cut of 0.25% gives borrowers a slight reprieve, however we don’t think RBA Governor Michelle Bullock will be fast to move rates down. We expect the RBA to cut again possibly in September 2025. This is of course assuming economic conditions remain constant. A recession, stockmarket crash, or unexpected inflation could all change this, up or down, among other unexpected events.

Investors can benefit by locking in fixed interest rates to safeguard their income against expected interest rate cuts during this period. It also helps with maintaining purchasing power against inflation. The Australian Securities Term Fund (ASTF) is a great alternative for cash compared to high interest-bearing bank accounts, given that typically around 50% of the fund is invested

Call us at 1300 275 275 to talk to one of our finance managers or lending executives. We prioritise direct communication and personalised support for our clients.