Assurity Capital is an Australian non-bank private lender providing short-term, property-backed finance for eligible business and investment purposes.

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We specialise in private first mortgages, second mortgages, bridging finance and secured business loans for business owners, property investors, developers and professional referrers across Australia. Our role is to assess property-backed lending scenarios where timing, transaction complexity, an existing loan structure or a borrower’s circumstances may make a traditional bank solution unsuitable.

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Private lending is not a replacement for every mainstream loan. It is a specialist finance option for borrowers who have suitable property security, a genuine business or investment purpose, and a realistic plan to repay the loan through sale, refinance, business proceeds or another defined exit strategy.

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Assurity Capital does not provide regulated consumer loans or owner-occupied home loans. Our loans are considered for non-regulated business and investment purposes only.

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What Does Assurity Capital Do?

Assurity Capital provides private mortgage finance secured by Australian property. We assess first mortgage, second mortgage and short-term lending scenarios where a borrower needs a practical funding solution supported by property equity and a clear exit plan.

Our private lending solutions may be used for:

• Business cash flow and working capital.

• Property acquisition, development or improvement.

• Bridging finance between a purchase, sale or refinance.

• ATO liabilities and creditor payments.

• Refinancing an existing private lender or caveat loan.

• Short-term settlement requirements.

• Investment and commercial opportunities with a defined exit strategy.

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Each loan scenario is assessed individually. The security property, available equity, existing debt, intended use of funds and exit strategy are all important.

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What Is Private Lending?

Private lending is property-backed finance provided by a non-bank lender rather than a major bank or traditional financial institution. It is commonly used where a borrower needs a short-term finance solution, has a time-sensitive transaction or does not fit a standard bank lending process.

A private lender generally focuses closely on the value and suitability of the security property, the total loan-to-value ratio and the borrower’s exit strategy. This does not mean every scenario will be approved. It means the transaction is assessed as a whole rather than solely through a standardised bank credit model.

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Private loans may have different rates, fees, terms and risks from mainstream finance. Borrowers should understand the full cost of the loan, the security being offered and how the loan will be repaid before proceeding.

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Our Private Lending Solutions

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First Mortgage Loans

A first mortgage is a loan secured with first-ranking priority over a property. If the property is sold, the first mortgage lender has priority for repayment ahead of other registered lenders.

Assurity Capital considers first mortgage private loans for eligible business and investment scenarios, including property acquisitions, commercial opportunities, development funding, refinancing and urgent settlement requirements.

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Second Mortgage Loans

A second mortgage is secured behind an existing first mortgage on the same property. It can allow an eligible borrower to access available property equity without replacing their current first mortgage.

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Second mortgages are often used for business cash flow, bridging finance, refinancing a private lender, creditor payments, ATO obligations or a defined property transaction. The combined value of the first and second mortgages, known as the combined LVR, is a key consideration.

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Bridging Finance

Bridging finance is short-term funding that helps cover the gap between a property purchase, sale, settlement, development milestone or refinance.

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A private bridging loan may be suitable where a borrower has equity in property and needs funds before another transaction is completed. A clear exit strategy—such as a contracted sale, sale campaign, refinance or expected business proceeds—is central to every bridging finance assessment.

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Secured Business Loans

A secured business loan is finance supported by property security. It may assist with working capital, stock purchases, creditor obligations, expansion costs, commercial opportunities or other defined business requirements.

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For business owners, the purpose of the loan, the available equity, the required term and the repayment plan all need to be commercially sound.

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Refinancing Private Lenders and Caveat Loans

A borrower may require private lending to refinance an existing private loan, short-term loan or caveat loan. This can be relevant where more time is required to complete a property sale, finalise a mainstream refinance, settle a transaction or implement a longer-term funding strategy.

Assurity Capital assesses the existing facility, property security, timing requirements and proposed exit to determine whether a first or second mortgage may be appropriate.

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How Assurity Capital Assesses a Private Lending Scenario

Private lending is not based on one factor alone. Assurity Capital takes a practical, asset-backed approach and considers the overall transaction.

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Security Property and Available Equity

The type, location and estimated value of the property are important. Security may include eligible residential investment property, commercial property, industrial property, vacant land or other acceptable Australian real estate.

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Available equity is assessed after considering existing mortgages, caveats and other registered interests over the property.

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Loan-to-Value Ratio

The loan-to-value ratio, or LVR, compares the total secured debt against the estimated value of the property.

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For a second mortgage, the combined LVR includes both the existing first mortgage and the proposed second mortgage. A lower combined LVR may provide a stronger security position, but every scenario is assessed on its own facts.

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Purpose of Funds

Assurity Capital considers loans for genuine business and investment purposes. Understanding precisely how the funds will be used is essential to assessing whether the transaction is suitable.

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Exit Strategy

An exit strategy explains how the private loan will be repaid at the end of its term. Common exits include a property sale, mainstream refinance, sale of another asset, business proceeds or another verifiable funding event.

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A credible exit strategy is a core part of responsible private lending. It helps ensure the loan is structured around a realistic timeframe and repayment pathway.

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Borrower and Transaction Structure

Private lending scenarios may involve individuals, companies, trusts, self-managed super funds or more complex property ownership structures. Assurity Capital considers the relevant borrower, guarantor and security structure as part of the assessment.

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Who We Work With

Assurity Capital works directly with eligible borrowers and with professional referrers seeking private property finance solutions for their clients.

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Business Owners

Business owners may require short-term property-backed finance to manage working capital, pay creditors, address tax obligations, purchase stock, fund a commercial opportunity or refinance an existing facility.

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Property Investors and Developers

Property investors and developers may seek private finance for acquisitions, property improvements, development completion, bridging requirements, settlement deadlines or refinance opportunities.

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Mortgage and Finance Brokers

Mortgage and finance brokers can submit eligible first mortgage, second mortgage, bridging finance and secured business loan scenarios where a client requires a specialist private lending option.

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Accountants, Lawyers and Other Professional Referrers

Accountants, lawyers, property professionals and trusted advisers may refer clients who require a commercially focused private lending assessment for a defined business or investment purpose.

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Private Lending Australia-Wide

Assurity Capital considers eligible private lending scenarios across Australia, including Sydney, Melbourne, Brisbane, Adelaide, Perth, Canberra, Hobart, Darwin and regional locations.

The property location is one part of the assessment, alongside its type, value, existing debt, proposed loan amount and exit strategy. We consider suitable scenarios involving Australian residential investment, commercial, industrial and land security.

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When May Private Lending Be Suitable?

Private lending may be worth considering when a borrower has a time-sensitive, property-backed business or investment requirement and a defined exit plan.

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Examples may include:

• A business owner requiring short-term working capital before an expected refinance.

• An investor needing to settle on a property while another property is being sold.

• A developer needing funds to complete a project before sale or refinance.

• A borrower refinancing a private lender or caveat loan that is approaching maturity.

• A business requiring funds to manage an ATO or creditor obligation while arranging a longer-term solution.

• A borrower with available property equity but a first mortgage that they do not want to refinance or disturb.

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Private lending may not be suitable where there is no clear purpose, inadequate security or no realistic exit strategy.

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Why Work With Assurity Capital?

Assurity Capital is focused on clear communication, commercially minded assessment and property-backed lending structures for eligible non-regulated scenarios.

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Borrowers and professional referrers choose Assurity Capital when they need:

• An Australian private lender for first or second mortgage finance.

• Short-term property-backed business or investment funding.

• A practical assessment of security, equity and exit strategy.

• Private finance for a time-sensitive transaction.

• A lender experienced in bridging, refinancing and secured business loan scenarios.

• A clear pathway to discuss whether a private lending solution may be appropriate.

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Frequently Asked Questions

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Is Assurity Capital a bank?

No. Assurity Capital is a non-bank private lender that provides property-backed finance for eligible business and investment purposes.

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Does Assurity Capital provide owner-occupied home loans?

No. Assurity Capital does not provide regulated consumer loans or owner-occupied home loans.

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What is the minimum private loan amount?

Assurity Capital considers private mortgage loans from $50,000, subject to assessment, suitable property security and a clear exit strategy.

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

A first mortgage has first-ranking priority over a property. A second mortgage ranks behind an existing first mortgage and may allow a borrower to access available equity without refinancing the first loan.

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Can I get private finance if I have bad credit?

Credit history may be considered, but private lending assessment also focuses heavily on the security property, available equity, loan purpose and exit strategy. A poor credit history does not automatically determine the outcome.

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Does Assurity Capital lend Australia-wide?

Yes. Assurity Capital considers eligible private lending scenarios across Australian capital cities and regional areas.

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Can brokers, accountants and lawyers refer clients?

Yes. Assurity Capital works with mortgage brokers, finance brokers, accountants, lawyers and other professional referrers with eligible private lending scenarios.

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Discuss a Private Lending Scenario

If you are a business owner, investor, developer or professional referrer seeking private property finance, Assurity Capital can review your scenario confidentially.

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Provide the property security, existing debt position, funding requirement, purpose of funds, required timeframe and proposed exit strategy to begin an assessment.