Question 1

What is private lending in Australia?

Accepted Answer

Private lending is finance provided outside traditional bank lending. In property-secured private lending, the lender assesses the property offered as security, existing debts, the funding purpose and how the borrower will repay the loan. Assurity Capital provides private finance for eligible business and commercial investment purposes across Australia.

Question 2

What types of loans does Assurity Capital offer?

Accepted Answer

Assurity Capital offers first mortgage loans, second mortgage loans, secured business loans, short-term business finance and bridging finance. Funding scenarios also include business debt consolidation, ATO and creditor payments, property development, residual stock finance and refinancing existing private loans. Each application is assessed against the proposed purpose, property security and repayment strategy.

Question 3

What is the difference between a first mortgage and a second mortgage?

Accepted Answer

A first mortgage is secured by a first-ranking mortgage over a property. A second mortgage is additional borrowing secured against a property that already has a first mortgage. The second mortgage lender ranks behind the first lender for repayment from the security. The mortgage ranking affects the loan’s assessment, pricing and available amount.

Question 4

Can I get a second mortgage without refinancing my existing loan?

Accepted Answer

A second mortgage may allow you to access property equity while retaining your existing first mortgage. Assurity Capital considers second mortgage funding for eligible business cash flow, expansion, commercial obligations and investment purposes. Whether this structure is available depends on the existing mortgage arrangements, available equity and approval of the proposed security.

Question 5

How much can I borrow from a private lender?

Accepted Answer

Assurity Capital considers private loans starting from $50,000. The amount available depends on the assessed property value, existing secured debt, mortgage ranking, loan purpose and repayment strategy. Available equity alone does not guarantee a particular loan amount.

Question 6

What is LVR, and how does it affect my borrowing capacity?

Accepted Answer

Loan-to-value ratio, or LVR, measures borrowing against the assessed value of the security property. For a second mortgage, the combined LVR includes both the existing first mortgage and proposed second mortgage.For example, a $500,000 first mortgage plus a $100,000 second mortgage against a property valued at $1 million produces a combined LVR of 60%, before any additional amounts included in the facility.

Question 7

What are the interest rates and fees for private loans?

Accepted Answer

Private loan interest rates and fees depend on the security property, LVR, mortgage ranking, loan term and complexity of the application. Request a written quote showing the interest calculation and all applicable fees. Compare the total cost over your expected borrowing period, the funds you will actually receive and the amount required to repay the facility.

Question 8

How quickly can Assurity Capital arrange private finance?

Accepted Answer

Eligible scenarios may receive indicative terms within 24–48 hours once sufficient information is available. Some straightforward transactions can settle in approximately three to five business days. Timing depends on security assessment, valuation requirements, legal documentation and any mortgage discharges. Indicative terms are not final approval, and settlement timeframes are not guaranteed.

Question 9

Can self-employed borrowers apply for low-doc business loans?

Accepted Answer

Yes. Assurity Capital considers property-secured funding for self-employed borrowers and business owners whose circumstances may not fit standard bank documentation requirements. Assessment focuses on the security, funding purpose and repayment strategy. Low-doc or no-doc lending does not mean no checks: borrower identification, property details, existing debts and supporting transaction information may still be required.

Question 10

Can I get a private business loan with bad credit or a bank decline?

Accepted Answer

A bank decline or imperfect credit history does not automatically rule out private business finance. Assurity Capital considers applications involving complex circumstances, with attention to the security property and repayment plan. Approval still depends on the complete scenario; property ownership alone does not guarantee funding.

Question 11

What properties can secure a private loan?

Accepted Answer

Assurity Capital can consider residential, commercial and industrial properties, as well as vacant land, subject to assessment. The property’s location, value, marketability and existing debt influence whether it is acceptable security. The type of property offered as security does not, by itself, determine whether the proposed loan purpose is eligible.

Question 12

How does bridging finance work for business or property investment?

Accepted Answer

Bridging finance provides short-term funding while a borrower waits for a defined event, such as a property sale or longer-term refinance. Assurity Capital considers property-secured bridging loans for eligible business and commercial investment purposes. The proposed repayment event needs to be realistic and achievable within the loan term.

Question 13

Can I use property equity to pay ATO debt or business creditors?

Accepted Answer

Yes. Assurity Capital considers secured business loans for eligible ATO debts, supplier invoices and other commercial obligations. A first or second mortgage may provide funding where suitable property equity and a credible repayment plan are available. The loan replaces an existing obligation with new secured debt, so its cost and repayment requirements need careful consideration.

Question 14

Can I refinance an existing private loan or caveat loan?

Accepted Answer

Assurity Capital considers refinancing existing private loans, second mortgages and caveat-related funding arrangements. Assessment includes the current payout amount, maturity date, property security and proposed repayment strategy. Provide details before the existing facility expires so there is time to assess the application and coordinate any required discharges.

Question 15

What is an exit strategy for a private loan?

Accepted Answer

An exit strategy is your plan to repay the loan at or before maturity. Examples include selling a property, refinancing into a longer-term facility or receiving identifiable business proceeds. A useful exit strategy explains where the repayment funds will come from, when they should become available and what evidence supports that timing.

Question 16

Can I make monthly interest payments or capitalise the interest?

Accepted Answer

Depending on the approved facility, interest may be paid monthly or capitalised into the loan. Capitalised interest is added to the borrowing and affects the amount owed and available equity. The appropriate structure depends on the loan term, available security and repayment plan. Confirm the payment schedule and final payout requirements before proceeding.

Question 17

Does Assurity Capital provide personal loans or owner-occupier home loans?

Accepted Answer

No. Assurity Capital does not offer personal loans or consumer-purpose owner-occupier home loans. Its focus is eligible property-secured business and commercial finance. The borrower structure and actual use of funds must be assessed to establish whether a proposed transaction fits its lending criteria.

Question 18

Does Assurity Capital lend Australia-wide?

Accepted Answer

Yes. Assurity Capital considers private lending applications across Australia, including Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart, Darwin and regional locations. Eligibility depends on the individual property, local market conditions, funding purpose and repayment strategy.

Question 19

How do I apply for a private loan with Assurity Capital?

Accepted Answer

Submit your required loan amount, funding purpose, property address, estimated property value, existing mortgage balances and required settlement date. Include your proposed repayment strategy and any relevant purchase, sale or refinance documents. Borrowers can enquire directly, and mortgage brokers, accountants and other professional advisers can submit client scenarios.Have a funding scenario to discuss? Contact Assurity Capital for an initial assessment of your property-secured business finance requirements.

Private Lending Australia for First & Second Mortgages, Bridging Finance and Secured Business Loans

Assurity Capital provides property-secured finance from $50,000 for business owners, investors and developers across Australia. Flexible funding assessed on your property, purpose and repayment strategy.

FAST SECURED BUSINESS LOANS

Fast Property-Secured Finance for Business, Investment and Commercial Purposes

Loan Solutions

First Mortgages

Second Mortgages

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