Which private mortgage suits your funding needs?
Loan structure | How it works | When to discuss it |
Assurity Capital takes first-ranking mortgage security. | An eligible property purchase or refinance where first-ranking security can be provided. | |
Assurity Capital takes a mortgage behind the existing first mortgage. | Business funding where you want to retain your first mortgage and the combined debt is supportable. | |
A short-term property-secured loan tied to a proposed repayment event. | An eligible settlement or funding gap with a credible sale or refinance plan. | |
Australian property secures funding for an assessed business purpose. | Working capital, expansion or eligible debt repayment where the proposed exit can be supported. | |
Completed, unsold development stock can be considered as security. | Refinancing existing development debt while unit sales progress. | |
A new assessed facility can repay eligible existing private finance. | An approaching maturity or a refinance supported by a credible repayment plan. |
Explore all private lending products
What does Assurity Capital assess before lending?
Assessment item | What to provide |
Amount and purpose | The loan amount in AUD and how the business or commercial investment will use it. |
Property security | The address, property type, estimated value and relevant valuation information. |
Existing secured debt | Mortgage balances and repayment or payout details where available. |
Loan-to-value ratio (LVR) | Secured loan balance divided by assessed property value. For a second mortgage, combined LVR includes existing secured balances and the proposed loan. |
Funding deadline | The date funds are needed and any relevant settlement or payout documents. |
Exit strategy | A specific source of repayment, such as a sale, refinance or business proceeds, and the evidence supporting its timing. |
Costs and terms | Ask for written interest, fees, deductions, repayment terms and the amount expected to be available at settlement. |
Approval depends on acceptable security, lending criteria and legal documentation. Rates, terms, valuation requirements and settlement timing depend on the transaction. A delayed repayment can increase costs. If you default, the property offered as security may be at risk.
What has Assurity Capital funded?
Eight selected case studies disclose $31,836,250 in loan amounts, or $31.8 million rounded. The total adds the disclosed amount for each case once. Any cash-out included in a loan is already part of that loan amount.
Published case | Loan amount (AUD) |
$8,057,000 | |
$6,175,000 | |
$4,500,000 | |
$4,000,000 | |
$3,465,000 | |
$2,080,000 | |
$1,849,250 | |
$1,710,000 |
These eight transactions are a subset of published case studies. Each new scenario is assessed on its own merits. Browse Deals & Insights
Where in Australia can I offer property as security?
Assurity Capital is based in Bondi Junction, NSW, and considers eligible property-secured business scenarios nationally. Choose the guide for the location of the property offered as security.
State or territory | Location examples |
Sydney, Newcastle and the Central Coast | |
Melbourne, Geelong and regional Victoria | |
Brisbane, Gold Coast and Sunshine Coast | |
Perth and regional Western Australia | |
Adelaide and regional South Australia | |
Hobart and Launceston | |
Canberra | |
Darwin and other eligible locations |
What should borrowers know before applying?
How much can I borrow from Assurity Capital?
Assurity Capital considers loans from $50,000. The amount assessed depends on property value, existing secured debt, mortgage ranking, the use of funds and how you plan to repay.
Can I keep my existing first mortgage?
A second mortgage may allow you to retain your existing first mortgage. Assurity Capital assesses the existing balance, available equity and combined loan-to-value ratio. Existing loan terms and any required lender consent also matter.
What property can secure a private loan?
Assurity Capital can consider residential, commercial and industrial property and vacant land in Australia. The decision depends on location, assessed value, marketability, existing debt and the proposed use of funds.
Can I use the funds for personal expenses or an owner-occupier home loan?
Assurity Capital offers finance for eligible business and commercial investment purposes. Personal loans and consumer-purpose owner-occupier home loans are outside its lending scope.
How long does private mortgage finance take to settle?
Timing depends on the property assessment, any valuation, legal documents and any required consents or discharges. Share your funding deadline at the outset so it can be assessed alongside the proposed loan.
What should I prepare before I apply?
Provide the amount and purpose of the loan, property address and estimated value, existing mortgage balances, funding deadline and proposed exit strategy. Relevant sale, purchase or refinance documents can help explain the repayment plan.
How do I contact Assurity Capital?
Submit a lending scenario for an initial assessment. Borrowers and professional referrers can also call 02 9389 1077 or email scenario@assuritycapital.com.au.
Assurity Capital is the trading name presented by The Trustee for Assurity Capital Unit Trust, ABN 54 791 495 521, based at 45 Denison Street, Bondi Junction NSW 2022. About Assurity Capital · ABN Lookup · Privacy policy
Selected lending transactions
$31.8m
Featured funding (AUD)
8
Featured transactions
1st + 2nd
Mortgage Options
