When exploring private lending options, many borrowers and brokers come across terms like first mortgage  and second mortgage . But what do they actually mean—and which one suits your funding needs? At Assurity Capital, we specialise in both first and second mortgage loans. Understanding the difference can help you unlock the right solution, especially when speed and flexibility matter. What Is a First Mortgage? A first mortgage  is the primary loan  secured against a propert

Private loans are designed to be short-term, fast, and flexible. But just as important as getting the funding is how you're going to repay it — and that’s where your exit strategy  comes in. At Assurity Capital, we consider your exit strategy one of the most important parts of any deal. Here's why it matters — and what a strong exit looks like. What Is an Exit Strategy in Private Lending? An exit strategy  is the clear, realistic plan for how you will repay the loan at or bef

When speed, flexibility, and access to capital matter most, private loans  can provide a powerful alternative to traditional bank finance. Whether you're self-employed, running a business, or investing in property, private lending offers a way forward when mainstream lenders can’t. At Assurity Capital, we specialise in private loans secured by property. Here's a clear overview of how they work—and how they can help. What Is a Private Loan? A private loan  is a short-term, ass

When people hear “second mortgage,” they often assume it’s complicated or risky—but for business owners, investors, and borrowers with equity, it can be a strategic financial tool. At Assurity Capital, second mortgages are a common solution for fast, short-term funding. Here’s what you need to know about how second mortgages work and when they’re used. What Is a Second Mortgage? A second mortgage  is a loan secured against a property that already has an existing (first) mortg

Assurity Capital recently settled a $60,000 first mortgage loan secured against a vacant block of land located in Junee, NSW 2663. This deal involved a 40% Loan-to-Value Ratio (LVR) , showcasing our flexible lending approach and capacity to support regional borrowers where traditional banks may hesitate. Deal Summary: - First mortgage Vacant Land Junee Loan Type : First Mortgage – Vacant Land Loan Amount : $60,000 Location : Junee, NSW 2663 Security : Vacant residential land

Flexible Private Lending Solutions Assurity Capital provided a $178,000 second mortgage private loan secured against a residential property in Bellbowrie, Queensland . This loan was crucial for the borrower’s business growth . It enabled access to working capital necessary for expanding operations. The funding came at an impressive 60% loan-to-value ratio (LVR) based on a desktop valuation . This approach facilitated a fast and cost-effective settlement process. Such effic

First Mortgage Private Loan - Cheltenham. Assurity Capital provided a first mortgage private loan of $666,250 , secured against a residential property located in Cheltenham , a bayside suburb of Melbourne, Victoria. The borrower required fast access to capital to refinance an existing business loan that had been secured against a different property. By leveraging equity in the Cheltenham property, we were able to provide a flexible solution with a loan-to-value ratio (LVR)

Assurity Capital successfully settled a combined 1st mortgage of $474,500  and 2nd mortgage of $295,500  to assist a client purchasing a one-bedroom apartment in Newcastle, New South Wales . This deal involved a trust structure with a corporate trustee , a lending scenario we regularly support with tailored private funding solutions. Loan Overview Loan Type:  Combined 1st and 2nd Mortgage First Mortgage Security:  Newly purchased apartment in Newcastle, NSW Second Mortgage

Assurity Capital  recently settled a $295,000 second mortgage private loan  secured across three separate assets  located in New South Wales: A medical centre  in Murwillumbah A rural residential property  in Maroota A parcel of vacant land  in Morts Estate The loan was structured at a 76% loan-to-value ratio (LVR)  across the combined assets. Loan Overview Loan Type:  Second Mortgage Loan Amount:  $295,000 Security: Commercial property (medical centre – Murwillumbah) Rural r

Assurity Capital  provided a $187,000 second mortgage private loan  secured against a residential property in Bellbowrie , a western suburb of Brisbane, Queensland. The loan was arranged to help the borrower address urgent ATO liabilities  and superannuation debt , allowing them to regain financial stability while avoiding further enforcement action. Deal Summary Loan Type:  Second Mortgage Loan Amount:  $187,000 Security:  Residential property – Bellbowrie, Brisbane QLD Loan

Assurity Capital  provided a first mortgage private loan  secured against a premium apartment in Eureka Tower , located in Southbank, Melbourne—the tallest and most iconic residential skyscraper in Victoria. The borrower required fast funding to capitalise on a time-sensitive business investment opportunity . Due to the strength and location of the asset, and a clearly defined refinance strategy, we were able to structure the loan efficiently for a short-term solution. Loan S

Renovation Funding Secured Through Flexible Private Lending First mortgage private loan - Lakes Entrance. Assurity Capital  recently arranged a First mortgage private loan  secured against a serviced apartment in Lakes Entrance, VIC . The property is company-owned and located in one of Victoria’s most picturesque coastal towns, making it an ideal candidate for a strategic renovation project. Loan Overview - First mortgage private loan Lakes Entrance Loan Type : First Mortgage

First mortgage private loan - Rose Bay. Assurity Capital  has successfully settled a $6.175 million first mortgage private loan  in secured against a DA-approved residential development site  in Rose Bay , one of Sydney’s most prestigious harbour-side suburbs. The site has approval for three luxury whole-floor apartments , offering strong end-value potential and broad market appeal. The client required fast and flexible funding to refinance an existing facility and release c

Private Lending for Business Cash Flow Relief Assurity Capital  recently funded a 1st mortgage private loan  of $120,000  secured against a residential property in Banora Point , located in the picturesque Northern Rivers region  of New South Wales, within the Tweed Shire . Loan Details: Loan Amount : $120,000 Loan Type : 1st Mortgage Private Loan Security : House in Banora Point, NSW Purpose : Refinance existing unsecured debts and improve business cash flow Valuation : Not

Supporting Repeat Borrowers with Property Development Finance Assurity Capital  recently settled a second mortgage private loan  of $545,000 , secured against a new duplex development  in Mornington, Victoria . This marks the second successful transaction  we’ve completed for this experienced property developer, reinforcing our commitment to building long-term relationships through consistent, reliable private lending solutions. Loan Summary: Loan Type : Second Mortgage Priva

Second mortgage private loan of $825,000 secured against an apartment in Bondi Beach, Sydney. 52.5% leverage. Assurity Capital is a non-bank lender providing private lending and private loan solutions. To discuss your private lending or private loan requirements please contact the team

Location: North Arm Cove, Port Stephens, Loan Amount: $715,000,LVR: 55% (as-is value) Assurity Capital  has provided a 1st mortgage private loan of $715,000  secured against a residential property in North Arm Cove , located on the northern shore of Port Stephens, NSW . Deal Overview: Loan Type:  1st Mortgage – Private Loan Security:  Residential house in North Arm Cove Loan Amount:  $715,000 Leverage:  55% LVR (based on “as-is” valuation) Purpose: • Fund completion of constr

Flexible Private Lending to Complete a Home Renovation Project Assurity Capital  recently funded a second mortgage private loan  of $150,000 , secured against a residential property in Caves Beach , a sought-after coastal suburb in New South Wales. The funds were used to assist with the completion of a renovation and construction project , transforming the property into a modern family home. Loan Summary: Loan Type : Second Mortgage Private Loan Loan Amount : $150,000 Locatio

Private Lending to Unlock Value from Industrial Property Assurity Capital  recently settled a 1st mortgage private loan  of $1,710,000 , secured against a residential property located in Eltham , a leafy suburb in Victoria. The loan was structured at 60% loan-to-value ratio (LVR) , allowing the borrower to access equity for a strategic business purpose. Loan Summary: Loan Type : 1st Mortgage Private Loan Loan Amount : $1,710,000 Location : Eltham, Victoria Security : Resident

Assurity Capital  recently provided a 1st mortgage private loan  of $1,650,000 , secured against a residential property in Mona Vale , a highly sought-after suburb in Sydney’s Northern Beaches  region. The purpose of the loan was to refinance an existing private facility  with improved terms and a more competitive interest rate. Loan Snapshot: Loan Type : 1st Mortgage Private Loan Loan Amount : $1,650,000 Location : Mona Vale, Northern Beaches, Sydney Security : Residential h