{"id":21373,"date":"2018-06-05T01:00:01","date_gmt":"2018-06-04T15:00:01","guid":{"rendered":"https:\/\/realestatetalk.com.au\/?p=21373"},"modified":"2018-06-05T01:00:01","modified_gmt":"2018-06-04T15:00:01","slug":"get-a-share-of-the-future-siobhan-hayden","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/get-a-share-of-the-future-siobhan-hayden\/","title":{"rendered":"Get a share of the future \u2013 Siobhan Hayden"},"content":{"rendered":"

Siobhan Hayden<\/strong> from HashChing announces an opportunity for investors to get in on the ground floor and take a stake in the future of this growing on-line home loan company.<\/p>\n

Transcript:<\/strong><\/p>\n

Kevin:<\/strong>\u00a0 It\u2019s not very often we do an interview like the one we\u2019re going to do now, but I think this is such a wonderful opportunity that fits right into the property arena that I just want to bring it to you. It\u2019s an opportunity if you were looking to buy a part share in a company that\u2019s really making some great ground in this area, the company we\u2019ve spoken about on a number of occasions called HashChing.<\/p>\n

To explain a little bit more about the opportunity, I\u2019d like to welcome into the show, the COO for HashChing, Siobhan Hayden, who we\u2019ve spoken to in the past.<\/p>\n

Good day, Siobhan.<\/p>\n

Siobhan:<\/strong>\u00a0 Thanks, Kevin. Nice to be here.<\/p>\n

Kevin:<\/strong>\u00a0 It\u2019s a great opportunity for investors to buy a piece of HashChing or buy a piece of the future. Tell me about how you\u2019re engineering this.<\/p>\n

Siobhan:<\/strong>\u00a0 Yes, it\u2019s really exciting, Kevin. We shortly kick off equity crowdfunding for the business. We\u2019ve been in business for nearly three years in August, and in that time, we\u2019ve only raised $3.4 million. And that probably doesn\u2019t sound like a little amount of money \u2013 it probably sounds like quite a lot \u2013 but for comparative industries or other business operators in our space, they\u2019ve raised much, much more money. We\u2019ve been really running quite a lean business and we\u2019ve done very well, and we\u2019re now looking to open it up for a $5 million capital raise.<\/p>\n

Where this all started was a customer who had successfully settled a loan eight months ago who reached out and wanted to invest a couple of hundred thousand, and she wasn\u2019t able to because she wasn\u2019t deemed a sophisticated investor.<\/p>\n

Kevin:<\/strong>\u00a0 How do you determine a sophisticated investor?<\/p>\n

Siobhan:<\/strong>\u00a0 It\u2019s a bit complicated \u2013 I\u2019m definitely not one myself \u2013 but you need to have $1 million net assets and a letter from your accountant, in broad terms. So, there are probably a few more boxes to tick, but in broad terms, you need to be obviously well-positioned financially to be able to make significant investments in businesses that have already raised money, and that was the precursor for that person. We had already raised enough money in a particular window of time, which precluded her.<\/p>\n

So, what we\u2019re looking at now is actually going to people like this lady, what are called retail investors. People can contribute or pay for or buy a minimum of $250 up to $10,000 through the equity crowdfunding piece, which I think is a really exciting opportunity.<\/p>\n

We have 38,000 customers \u2013 and growing \u2013 who have already used HashChing. We have a network of mortgage brokers around the country, over 700. We have lots of people who have already registered for this offer to go live and Equitise is the platform that is helping us do it. And they\u2019re a great little start-up as well.<\/p>\n

Kevin:<\/strong>\u00a0 That\u2019s a platform that allows for this to happen. Is that right?<\/p>\n

Siobhan:<\/strong>\u00a0 Yes. You can go onto their site, and they have loads of businesses that they\u2019ve already raised money for. It\u2019s actually a really good site. I have friends who own their own hospitality businesses who have already downloaded the Equitise app, so we\u2019re across the opportunities that Equitise offers in all different business verticals.<\/p>\n

Of course, we\u2019re in the home loan and property space, but they have an \u201cInvest\u201d tab, and if you click on that, you can see their whole offer.<\/p>\n

Kevin:<\/strong>\u00a0 Okay, tell me a little bit about HashChing. I\u2019d like to know the business behind it but also the risks involved for anyone who wants to become involved.<\/p>\n

Siobhan:<\/strong>\u00a0 Yes, totally. When the offer becomes live on Equitise, it will have all the documents available for consumers to read, and it is a risk that a customer needs to review in detail and make that decision themselves.<\/p>\n

At the point of the capital raise, the equity crowdfunding, the business is valued at $25 million pre-valuation, so pre-money, so pre-raising the funds, and we\u2019re looking to raise the $5 million, as I suggested.<\/p>\n

The main reason for the funds or the main use of the funds that we\u2019re raising is really to get the branding out there and primarily to grow the business and help more customers own their own home sooner, which is what our passion is, and obviously, not to be owned by a financial institution.<\/p>\n

We want to really maintain that view of having multiple lenders across the panel that customers can genuinely trust and not being influenced by any parent company.<\/p>\n

Kevin:<\/strong>\u00a0 The website is called Equitise.com.<\/p>\n

Siobhan:<\/strong>\u00a0 That\u2019s right.<\/p>\n

Kevin:<\/strong>\u00a0 There are quite a number of businesses on there that you can have a look at. By the time this goes to air, when we broadcast this, that offer will be live, I understand?<\/p>\n

Siobhan:<\/strong>\u00a0 Yes, that\u2019s right.<\/p>\n

Kevin:<\/strong>\u00a0 Okay, so it\u2019s live right now as you\u2019re listening, so go to Equitise.com.<\/p>\n

Anything else you\u2019d like to add about the future for HashChing?<\/p>\n

Siobhan:<\/strong>\u00a0 We\u2019ve already done so many things in the business that we\u2019re excited about, but recently added our own HashChing home loan deals, two deals that brokers in our network are now able to chat with customers about, which we\u2019re really excited about, and we\u2019ve also launched our customer portal when customers launch a lead with us or an interest to talk to a broker, they\u2019re given access to their own customer portal, which is where they will also receive offers and alerts about their property.<\/p>\n

Kevin:<\/strong>\u00a0 Wonderful. A great opportunity, I think, for small investors or investors wanting to start out. If you have some confidence in the product, it\u2019s called HashChing, and the website to go to to find out a little bit more about investing is Equitise.com and all the information will be there.<\/p>\n

Siobhan Hayden from HashChing, thank you so much for your time and telling us about this opportunity. It\u2019s great to talk to you.<\/p>\n

Siobhan:<\/strong>\u00a0 Thanks, Kevin. Much appreciated. Have a good day.<\/p>\n","protected":false},"excerpt":{"rendered":"

Siobhan Hayden from HashChing announces an opportunity for investors to get in on the ground floor and take a stake in the future of this growing on-line home loan company. 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